{"id":66548,"date":"2026-04-08T17:39:52","date_gmt":"2026-04-08T15:39:52","guid":{"rendered":"https:\/\/hogarea.house\/faqs\/"},"modified":"2026-07-29T12:09:13","modified_gmt":"2026-07-29T10:09:13","slug":"faqs","status":"publish","type":"page","link":"https:\/\/hogarea.house\/en\/faqs\/","title":{"rendered":"FAQs"},"content":{"rendered":"\t\t
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Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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For owners<\/span> who want to sell their home<\/h2>\t\t\t\t<\/div>\n\t\t
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Price and Market<\/p>\t\t\t\t<\/div>\n\t\t\t\t

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What is my home really worth on the market today? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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A home\u2019s true value is determined by current demand, the area, the property\u2019s condition and recent sales of similar homes.\nMany times, as owners, we tend to set the price based on emotions, memories or expectations, rather than real market data.\nWhen the price isn\u2019t aligned with the market, the home simply won\u2019t sell.\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Can I sell for the price I want? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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You can set whatever price you want, but if it\u2019s above the market, the home will take much longer to sell.\nWhen a property is listed too expensively and stays advertised for too long, it becomes \"stale\" on property portals.\nBuyers start to distrust it and think something is wrong, which often ends up meaning it sells for less than if it had been priced correctly from the start.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Is it better to start with a high price and then lower it? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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It\u2019s usually not the best strategy. The first few weeks are key, as that\u2019s when the home gets the most visibility and attracts the most active buyers. \nIf it\u2019s listed at the right price from the beginning, it generates more interest, more viewings and greater negotiating power, avoiding unnecessary price reductions.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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How do I know if my home is priced correctly? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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A correct valuation isn\u2019t based on listed ads, but on actual sales, the current market situation and the property\u2019s specific characteristics.\nThat\u2019s why it\u2019s essential to carry out a professional, objective study that sets a strategic asking price.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Time to sell<\/p>\t\t\t\t<\/div>\n\t\t\t\t

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How long does it take to sell a home? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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If the sales strategy is right and the price is aligned with the market, a property should not take more than 3 months to sell.\nThe time mainly depends on the price, presentation, demand in the area, and the marketing strategy.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Can I sell my home but continue living in it for a few months? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, it is completely possible. There are options that allow you to sell the property and agree with the buyer on a period to remain in it for a few months, for example until you find another home or organise the move.\nThis agreement is set out in writing in the deposit contract or in the deed, establishing the length of stay and the conditions, to ensure security and peace of mind for both parties.\nThis way, you can sell with peace of mind without having to move immediately or feel pressured during the process.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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When is the best time to sell my house? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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The property market is constantly moving. Homes are sold all year round, even in summer and at Christmas.\nThe most important thing is not the month, but the strategy, positioning, and the asking price. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Do I have to be present for viewings? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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It is not necessary. In fact, viewings are often more effective when handled by a professional, as the buyer feels more comfortable, asks freely, and makes decisions with greater peace of mind.\nIt also helps to better filter interested parties and avoid unproductive viewings.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Costs and taxes<\/p>\t\t\t\t<\/div>\n\t\t\t\t

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What costs do I have when selling my home? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Mainly the municipal capital gains tax and, if applicable, mortgage cancellation.\nThe energy certificate and the documentation required for the sale are also mandatory (which we manage to make the whole process easier).\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Do I have to pay taxes on the sale? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. If there is a capital gain, it must be declared in your income tax return (IRPF) in accordance with current regulations. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Who pays the notary in a sale and purchase? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Typically, the buyer covers the purchase deed and the seller the sale deed, unless both parties agree otherwise.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Mortgage and legal situation<\/p>\t\t\t\t<\/div>\n\t\t\t\t

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Can I sell my house if it still has a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, it is very common. The mortgage is cancelled at the time of signing at the notary with the proceeds from the sale, in a safe and transparent way. \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What happens if the property has charges or liens? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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They can be cancelled before or during signing, but it is essential to review the Land Registry status beforehand to ensure a safe sale.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Can I sell an inherited property? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, but first the inheritance must be accepted and registered in the heir\u2019s name in order to formalise the sale.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Preparing the property<\/p>\t\t\t\t<\/div>\n\t\t\t\t

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Do I have to renovate my house before selling it? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Renovation is not always necessary. In many cases, good preparation is enough: tidying, cleaning, lighting, and a proper presentation strategy.\nHome staging for photos and videos, together with having the property well prepared on the day of viewings, can make a big difference without major investment. \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Does presentation affect the sale price? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, and a lot. A well-presented property creates a better first impression, more interest, and higher-quality viewings.\nWhen the buyer perceives care, order, and a homely feel, they value the property more positively, which helps it sell sooner and on better terms. \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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For buyers<\/span> who want to buy a home<\/h2>\t\t\t\t<\/div>\n\t\t
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Budget and financing<\/p>\t\t\t\t<\/div>\n\t\t\t\t

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How much money do I need to buy a home? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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In addition to the purchase price, it\u2019s advisable to have approximately an additional 10%\u201312% for costs and taxes.\n This includes notary, land registry, taxes, valuation and possible administrative costs.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Can I buy a home without savings? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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In most cases, no, as banks usually finance up to 80% of the purchase price or appraised value.\n However, depending on your profile and financial situation, our finance department may be able to secure higher financing, even close to 90%\u201395% in some cases.\n Even so, there are always additional costs that the buyer must cover.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What mortgage can I afford? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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It is most advisable that the mortgage payment does not exceed 30%\u201335% of monthly income.\n\nThis helps maintain financial stability and approach the purchase with peace of mind and long-term security.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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About the property<\/p>\t\t\t\t<\/div>\n\t\t\t\t

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What should I check before buying a property? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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It\u2019s essential to assess the state of repair, the installations (electricity and plumbing), the orientation, community fees, possible special assessments and the property\u2019s legal status.\nA full review avoids future surprises and provides confidence in the decision.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What is the difference between built area and usable area? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Built area includes walls, structural elements, and communal areas. Usable area is the actual liveable space within the property.\nKnowing this difference is key to correctly assessing the size and functionality of the property.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Costs and buying process<\/p>\t\t\t\t<\/div>\n\t\t\t\t

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What costs does the buyer have when purchasing a home? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Mainly taxes (ITP or VAT depending on the type of property), notary, land registry, valuation and administrative agency fees if financing is requested.\nThese costs are usually approximately between 10% and 12% of the purchase price.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What is the deposit contract? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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It is an agreement prior to the sale and purchase by which the property is reserved and the terms of the transaction are set until signing at the notary.\nIt provides security for both the buyer and the seller.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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How long does the buying process take from reservation to signing? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Normally between 30 and 60 days.\nThe timeframe mainly depends on financing, the bank valuation, and preparing all the necessary documentation.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What day can I move into the house? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Typically, the keys are handed over on the same day as signing at the notary, so from that moment the property belongs to the buyer and they can move in.\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Frequently asked questions For owners who want to sell their home Price and Market What is my home really worth on the market today? A home\u2019s true value is determined by current demand, the area, the property\u2019s condition and recent sales of similar homes. Many times, as owners, we tend to set the price based on emotions, memories or expectations, rather than real market …<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-66548","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/hogarea.house\/en\/wp-json\/wp\/v2\/pages\/66548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hogarea.house\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hogarea.house\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hogarea.house\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hogarea.house\/en\/wp-json\/wp\/v2\/comments?post=66548"}],"version-history":[{"count":4,"href":"https:\/\/hogarea.house\/en\/wp-json\/wp\/v2\/pages\/66548\/revisions"}],"predecessor-version":[{"id":66552,"href":"https:\/\/hogarea.house\/en\/wp-json\/wp\/v2\/pages\/66548\/revisions\/66552"}],"wp:attachment":[{"href":"https:\/\/hogarea.house\/en\/wp-json\/wp\/v2\/media?parent=66548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}