Selling a home isn’t just about finding a buyer. For the transaction to proceed smoothly, it’s essential to have all the necessary documentation prepared from the outset. At Finques Jordi Tané, a real estate agency in Palafrugell with extensive experience in buying and selling homes in the Empordà and Costa Brava regions, we guide homeowners through the entire process to make the sale faster, safer, and more organized.
When someone looks for information about the documentation required to sell a home in Girona, they typically want to avoid delays, errors, or surprises at the time of signing. Having the documents prepared helps build trust with buyers, facilitates the notary’s work, and allows for resolving potential issues before the closing date.
Property Title Deed
One of the main documents is the property title deed. This document proves who owns the property and how it was acquired, whether through purchase, inheritance, donation, or another transaction.
It is important to verify that the information in the deed matches the current state of the property and the owners who are selling.
If the property belongs to several people, all must agree and participate in the transaction, unless there is a valid legal authorization.
Property Registry Extract
The property registry extract is a very useful document because it allows you to check the property’s registration status. It provides information on ownership, a description of the property, and whether there are any liens, mortgages, encumbrances, or other restrictions.
Before putting a property up for sale in Girona, Palafrugell, Begur, Calella de Palafrugell, Llafranc, Tamariu, or any other town in the Empordà region, it is advisable to request an up-to-date property registry extract. This way, potential issues can be detected and resolved before finalizing the sale.
Certificate of Occupancy and Energy Performance Certificate
In Catalonia, the certificate of occupancy is a standard document for property sales, as it certifies that the property meets the minimum requirements for residential use. An energy performance certificate is also required, which provides information on the property’s energy consumption and rating.
These documents are especially important because they are typically requested both during the marketing phase and at the time of signing. If they are expired or have not been processed, they can cause delays. Therefore, from our real estate agency in Palafrugell, we recommend reviewing them before starting the sale.
Property Tax Receipts and Community Fees
Another important document is the latest Property Tax (IBI) receipt. This receipt helps to correctly identify the property and proves that the municipal tax is up to date.
If the property is part of a homeowners’ association, it will also be necessary to have a certificate indicating whether there are any outstanding debts to the association. This is especially relevant for flats, apartments, multi-family buildings, and some developments on the Costa Brava.
In addition, it can be useful to have information on community fees, regular dues, any approved special assessments, or the association’s bylaws. An informed buyer is more confident in making a decision.
Documentation regarding mortgages or outstanding encumbrances
If the property has an existing mortgage, it will be necessary to arrange for its financial cancellation and, subsequently, its cancellation in the land registry. In many cases, this process is coordinated on the same day as the signing, but it is advisable to prepare it in advance.
There may also be other encumbrances or liens that must be resolved before selling. This is why the property registry extract (nota simple) is so important: it allows you to know if the property is free of encumbrances or if there are any pending procedures.
Certificates and additional documents
Depending on the type of property, other documents may be required. In single-family homes, townhouses, rural properties, or older buildings, it may be advisable to review floor plans, cadastral references, building permits, completion certificates, or documentation related to extensions and renovations.
In the Girona and Empordà area, we find very different types of housing: apartments near the metroTownhouses, rural properties, houses with gardens, renovated properties, or historic old houses. Each case must be reviewed individually.
Taxes and Obligations After the Sale
In addition to the property documentation, the owner must consider the tax obligations associated with the sale. The Spanish Tax Agency indicates that the sale of a property must be declared in the Personal Income Tax (IRPF) return as a capital gain or loss, although there may be exemptions in some cases, such as for the primary residence under certain conditions.
Municipal capital gains tax may also apply, a tax managed by the local council that levies the increase in value of urban land when a property is transferred. It’s advisable to review each case with professional advice to avoid mistakes and accurately calculate the costs associated with the sale.
Finques Jordi Tané, real estate agency in Palafrugell for secure sales
Properly preparing the documentation for selling a property in Girona is key to avoiding delays and building trust with the buyer. At Finques Jordi Tané, we help homeowners organize their documentation, value their property, prepare for marketing, and guide them through the entire process until closing.
If you’re looking for a real estate agency in Palafrugell with local market knowledge, experience in the Empordà region, and personalized service, at Finques Jordi Tané we can help you sell your property with security, clarity, and professionalism.
