When buying a house you must take into account three very important points: - Savings. If you are not going to make a cash payment and you need to ask for a mortgage, you will usually need to have saved approximately 30% of the price of the house, in addition to the optimal conditions for the bank to grant you a mortgage, such as job stability. - Visits and time. Buying a house means investing time in the search, visits and paperwork. From Clikalia, we help you save time thanks to our virtual visits. - Documentation. Although the law does not require too many documents, we always recommend you to consult the following information. - Nota simple. You can get it online at the Land Registry. This will confirm information such as who owns the property and if it is free of encumbrances. At Clikalia, we are the owners of our properties, so we will provide you with this documentation for your peace of mind. - Cadastral information of the property. You can consult it in the Electronic Headquarters of the Cadastre to make sure that it coincides with the information of the simple note and that everything is in order. - Fiscal Value of the Property. From 2022 you can also consult it in the Electronic Headquarters and it is the value that the Treasury gives to your house to pay the Tax on Patrimonial Transmissions (ITP) for second hand houses. If you are going to ask for a mortgage, our mortgages team can ask you for documents to carry out their solvency studies, such as the last pay slips, the work contract or the annual VAT declaration if you are self-employed.