{"id":543983,"date":"2022-07-17T00:00:00","date_gmt":"2022-07-16T21:00:00","guid":{"rendered":"https:\/\/deniz-estate.com\/?p=543983"},"modified":"2026-09-03T21:50:56","modified_gmt":"2026-09-03T18:50:56","slug":"nedvizhimost-v-ispanii-dlya-grazhdan-ua","status":"publish","type":"post","link":"https:\/\/deniz-estate.com\/en\/blog\/news\/nedvizhimost-v-ispanii-dlya-grazhdan-ua\/","title":{"rendered":"Real estate in Spain for Ukrainian citizens: features of purchase and registration"},"content":{"rendered":"<p><\/p>\n<p><span style=\"font-weight: 400\">The Kingdom of Spain is one of the most popular countries in terms of immigration and investment among foreigners, including Ukrainians. As of mid-2022, the number of Ukrainian immigrants is over 100,000 people. The most active period in terms of relocation was observed since 2014 and this year it broke records.<\/span> <span style=\"font-weight: 400\">This trend has led to a rapidly growing demand for <a href=\"https:\/\/deniz-estate.com\/en\/sale\/spain\/\"><span data-sheets-root=\"1\">property Spain<\/span><\/a>, which for some are of interest for their own residence, for others \u2013 a reliable preservation of capital. How to<\/span> <span style=\"font-weight: 400\">buy an <a href=\"https:\/\/deniz-estate.com\/en\/sale\/spain\/apartments\/\">apartment in Spain<\/a> for a Ukrainian<\/span> <span style=\"font-weight: 400\">, about the conditions for buying Spanish real estate and other important points \u2013 read in this article.<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Immigration to Spain in Ukrainian<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Along with other Russian-speaking immigrants, Ukrainians prefer to buy housing on the Mediterranean coast of Spain \u2013 in Costa Blanca. And if the south-eastern part is popular for recreation among Europeans, then <a href=\"\/ru\/sale\/spain\/torrevieja\/\">Torrevieja<\/a> is home to the largest number of citizens from the post-Soviet space.<\/span> <span style=\"font-weight: 400\">It is worth noting that Ukrainian citizens, whose priorities are a European career, choose Madrid for life. And Barcelona and Marbella prevail in the choice of politicians, show business stars and other wealthy immigrants.<\/span><\/p>\n<blockquote>\n<p><b><i>Ukrainians quickly become accustomed to the local culture and freely master the Spanish language. Many speak Spanish quite well after a year and do not experience a language barrier. In addition to easy adaptation, Ukrainian immigrants can exchange the driver\u2019s license obtained in their country for a Spanish one, absolutely free of charge and without passing an exam.<\/i><\/b><\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400\">The most popular<\/span> <span style=\"font-weight: 400\">real estate in Spain for Ukrainians<\/span> <span style=\"font-weight: 400\">is apartments in central locations or apartments within walking distance of the beach. Houses are purchased less often, only in 15-20% of cases.<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Mortgage lending for Ukrainian property buyers<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Ukrainian citizens<\/span> <span style=\"font-weight: 400\">can also buy real estate in Spain on credit, and the credit terms are quite attractive: at 2-4% per annum, without guarantors, the repayment period is up to 20 years.<\/span> <span style=\"font-weight: 400\">However, not all Spanish banks are willing to lend to Ukrainians, for example, Bankinter \u2013 a high percentage of refusals and protracted responses like: \u201cYour application is under consideration.\u201d It is also difficult to get a loan from Bankia, after the merger with BMN, the financial institution is in a \u201csuspended\u201d state and has a hard time cooperating with foreigners.<\/span> <span style=\"font-weight: 400\">The situation is completely opposite with La Caixa, Banco Sabadell and Banco Popular Espanol: they have a loyal attitude towards Ukrainian borrowers.<\/span> <span style=\"font-weight: 400\">Mortgage lending in a Spanish bank for<\/span> <span style=\"font-weight: 400\">real estate abroad for Ukrainians<\/span> <span style=\"font-weight: 400\">is issued on the basis of the following package of documents:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">a certificate from your place of work, certified by the accounting department and signed by the director, which should contain information about your salary, position and the company itself;<\/span><\/li>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">statements of outgoing transactions from your bank account for 3-6 months, indicating the balance of funds on the day of issue;<\/span><\/li>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">2-PDFO certificates for the current and previous year, certified by the seal of your company where you work;<\/span><\/li>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">official confirmation of the absence of debts from the Credit History Bureau (ubki.ua) or from the bank;<\/span><\/li>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">a letter of recommendation from a banking institution;<\/span><\/li>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">copies of the title to real estate: apartment, house, land plot, etc.;<\/span><\/li>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">pension payments for the last 12 months \u2013 for pensioners;<\/span><\/li>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">certificates of no criminal record, certified and apostilled in Ukraine (not always required).<\/span><\/li>\n<\/ul>\n<blockquote>\n<p><b><i>The package of documents should be submitted for translation to a sworn translator and a notary in Spain to avoid any claims from Spanish banks.<\/i><\/b><\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400\">It is worth noting that banking institutions in Spain are more willing to lend to foreigners who purchase real estate worth \u20ac100,000 or more. It is more difficult to obtain a mortgage for a studio apartment with a price tag of \u20ac30,000 \u2013 it is simply not profitable for the bank.<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Stages of buying Spanish property<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Is it possible to buy real estate in Spain for cash<\/span> <span style=\"font-weight: 400\">? Of course, just keep in mind: without declaring, it is allowed to bring $10,000 or another currency in equivalent. However, you can<\/span> <span style=\"font-weight: 400\">transfer money to Spain to buy real estate<\/span> <span style=\"font-weight: 400\">, having previously opened an account there. Read about this below \u2013 in frequently asked questions.<\/span> <span style=\"font-weight: 400\">The procedure for buying an apartment in Spain is the same both with a mortgage and for cash, and takes place in the following sequence:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b><i>Selecting Real Estate<\/i><\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Buying a residential property is a fairly large purchase that needs to be approached in the most balanced and reasonable manner. Decide what will suit you for living: a classic apartment, a spacious apartment, a luxury <a href=\"https:\/\/deniz-estate.com\/en\/sale\/spain\/villa\/\"><span data-sheets-root=\"1\">villas in Spain<\/span><\/a> or a bungalow?<\/span> <span style=\"font-weight: 400\">Do not skimp on spending time on viewings. If you like several options and are confused, visit the properties again to take a closer look at all the details and feel the atmosphere of the area. Listen to your feelings, and once you have decided, make a deposit and thus the housing will be secured for you.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b><i>Obtaining an identification code in Spain<\/i><\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">It is not possible to conclude a deal immediately, since you first need to obtain a foreigner\u2019s tax identification number \u2013 NIE. Without it, it is impossible to carry out any legal transaction.<\/span> <span style=\"font-weight: 400\">As soon as the identification number is received, you can safely open an account in a Spanish bank, from which you can pay for the purchased housing and pay taxes. Then the property is checked for status according to the Housing Code, as well as for the absence of debts and encumbrances.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b><i>Conclusion of the deal<\/i><\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">When signing the purchase and sale agreement, a notary must be present. After the transaction is concluded, you are given 1 month to pay tax duties and send documents for registration of ownership in the State Register. Expenses usually amount to 10% of the value of the real estate. The registration period is 2-3 months.<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Frequently asked questions<\/span><\/h2>\n<p><span style=\"font-weight: 400\">When purchasing real estate in the Kingdom of Spain, Ukrainians face a number of questions. Let\u2019s look at the most basic ones.<\/span> <b><i>Is it possible to transfer money from Ukraine to Spain?<\/i><\/b> <span style=\"font-weight: 400\">According to the NBU resolution adopted in 2017, individuals can conduct currency transactions and transfer funds abroad. The option is also available with an e-license, on the basis of which money is transferred abroad, including for the purchase of real estate. The license is issued by the bank where you are served, free of charge. Also, to obtain it, you can contact the Spanish financial institution where you plan to open an account and clarify the list of documents with them.<\/span> <span style=\"font-weight: 400\">With an e-license, you can transfer no more than $50,000 per year or the equivalent of another currency. If the cost of the property is higher, Ukrainians can do the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">Obtain licenses for all family members, which allows you to significantly increase the amount of transfer. Moreover, in Spain you can open family accounts.<\/span><\/li>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">Take cash with you: up to $10,000 per person without declaration, amounts over this amount will need to be declared and documents on the source of receipt will need to be provided.<\/span><\/li>\n<li style=\"font-weight: 400\" aria-level=\"1\"><span style=\"font-weight: 400\">Ask real estate specialists for additional legal ways to transfer funds from Ukraine to Spain.<\/span><\/li>\n<\/ul>\n<p><b><i>Is it possible to buy real estate in Spain without citizenship?<\/i><\/b> <span style=\"font-weight: 400\">In order to buy a house or apartment in the Kingdom of Spain, you do not need to have citizenship of the country. However, if you want to obtain Spanish citizenship in the future, you will need to renounce your Ukrainian passport, since dual citizenship is not provided for by Ukrainian law.<\/span> <span style=\"font-weight: 400\">In general, when buying Spanish real estate, you can obtain a residence permit in the country, and after 10 years of residence \u2013 permanent residence status. Read more about residence permits and citizenship in Spain in this publication.<\/span> <span style=\"font-weight: 400\">You can see current offers for Spanish real estate in <a href=\"\/ru\/sale\/spain\/\">our catalog<\/a> . By contacting the managers of the Deniz Estate company, you will learn more about<\/span> <span style=\"font-weight: 400\">how to buy housing in Spain for Ukrainians<\/span> <span style=\"font-weight: 400\">, and also become the owner of the property on legal grounds.<\/span> <em>Our office in Kiev: Kiev, V. Lipkovskoho st., 45, The Work, office 14<\/em> <em>* Reception at the office by prior arrangement<\/em><\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>The Kingdom of Spain is one of the most popular countries in terms of immigration and investment among foreigners, including Ukrainians. As of mid-2022, the number of Ukrainian immigrants is over 100,000 people. The most active period in terms of relocation was observed since 2014 and this year it broke records. This trend has led\u2026<\/p>\n","protected":false},"author":23,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[256],"tags":[],"class_list":["post-543983","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"<title>Real estate in Spain for Ukrainian citizens: features of purchase and registration - Deniz Estate<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/deniz-estate.com\/en\/blog\/news\/nedvizhimost-v-ispanii-dlya-grazhdan-ua\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Real estate in Spain for Ukrainian citizens: features of purchase and registration - Deniz Estate\" \/>\n<meta name=\"twitter:description\" content=\"The Kingdom of Spain is one of the most popular countries in terms of immigration and investment among foreigners, including Ukrainians. As of mid-2022, the number of Ukrainian immigrants is over 100,000 people. The most active period in terms of relocation was observed since 2014 and this year it broke records. This trend has led\u2026\" \/>","yoast_head_json":{"title":"Real estate in Spain for Ukrainian citizens: features of purchase and registration - Deniz Estate","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/deniz-estate.com\/en\/blog\/news\/nedvizhimost-v-ispanii-dlya-grazhdan-ua\/","twitter_card":"summary_large_image","twitter_title":"Real estate in Spain for Ukrainian citizens: features of purchase and registration - Deniz Estate","twitter_description":"The Kingdom of Spain is one of the most popular countries in terms of immigration and investment among foreigners, including Ukrainians. As of mid-2022, the number of Ukrainian immigrants is over 100,000 people. The most active period in terms of relocation was observed since 2014 and this year it broke records. This trend has led\u2026","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/deniz-estate.com\/blog\/news\/nedvizhimost-v-ispanii-dlya-grazhdan-ua\/#article","isPartOf":{"@id":"https:\/\/deniz-estate.com\/blog\/news\/nedvizhimost-v-ispanii-dlya-grazhdan-ua\/"},"author":{"name":"tanya art-sites","@id":"https:\/\/deniz-estate.com\/ua\/#\/schema\/person\/93ef8ae8ad465563d7d5d988736b69bb"},"headline":"Real estate in Spain for Ukrainian citizens: features of purchase and registration","datePublished":"2022-07-16T21:00:00+00:00","dateModified":"2026-09-03T18:50:56+00:00","mainEntityOfPage":{"@id":"https:\/\/deniz-estate.com\/blog\/news\/nedvizhimost-v-ispanii-dlya-grazhdan-ua\/"},"wordCount":2884,"commentCount":0,"publisher":{"@id":"https:\/\/deniz-estate.com\/ua\/#organization"},"articleSection":["News"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/deniz-estate.com\/blog\/news\/nedvizhimost-v-ispanii-dlya-grazhdan-ua\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/deniz-estate.com\/en\/blog\/news\/nedvizhimost-v-ispanii-dlya-grazhdan-ua\/","url":"https:\/\/deniz-estate.com\/en\/blog\/news\/nedvizhimost-v-ispanii-dlya-grazhdan-ua\/","name":"Real estate in Spain for Ukrainian citizens: features of purchase and registration - 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