Denise Guerrero
The Notary & Escritura — Completing Your Property Purchase

The Notary & Escritura — Completing Your Property Purchase

The escritura de compraventa is the official deed of sale that transfers property ownership in Spain. It's signed at a notary's office in the presence of a notario público — a government-appointed legal official who verifies that the transaction is lawful, the parties are who they claim to be, and both buyer and seller understand what they're signing. The notary signing is the culmination of the entire buying process. It's the moment where the property legally changes hands, the money transfers, and you receive the keys. Everything that came before — the viewings, the offer, the NIE, the arras contract, the lawyer's due diligence, the mortgage approval — leads to this appointment.

Key Info Box

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🕐Duration

1–2 hours at the notary office

💰Notary fees

€600–1,200 (varies by property price)

📄Key document

Escritura de compraventa (deed of sale)

📍Location

Any notary in Spain (buyer traditionally chooses)

What Is the Escritura?

The escritura de compraventa is the official deed of sale that transfers property ownership in Spain. It's signed at a notary's office in the presence of a notario público — a government-appointed legal official who verifies that the transaction is lawful, the parties are who they claim to be, and both buyer and seller understand what they're signing.

The notary signing is the culmination of the entire buying process. It's the moment where the property legally changes hands, the money transfers, and you receive the keys. Everything that came before — the viewings, the offer, the NIE, the arras contract, the lawyer's due diligence, the mortgage approval — leads to this appointment.

For international buyers, the notary process can feel unfamiliar and slightly intimidating. In practice, it's a well-choreographed procedure that your lawyer will prepare you for. This guide walks through exactly what happens so there are no surprises.

Before the Notary Appointment

Your lawyer handles most of the preparation, but here's what's happening behind the scenes in the days before completion:

Final checks. Your lawyer verifies the property's Nota Simple one final time (to confirm no new charges or encumbrances have been registered since the arras was signed), confirms that the seller is up to date on IBI, community fees, and utility payments, and ensures that any agreed conditions (repairs, included items) have been met.

Money arrangements. The purchase funds must be in your Spanish bank account ready to transfer. If you're paying by bank draft (cheque bancario), your bank prepares it in advance. The exact payment method (transfer, bank draft, or a combination) is agreed between the lawyers beforehand. If you have a mortgage, the bank prepares the loan funds for simultaneous disbursement.

Document preparation. The notary's office prepares the draft escritura. Your lawyer reviews it for accuracy before the appointment. Any errors (wrong cadastral reference, misspelled names, incorrect prices) are corrected before the signing day.

Appointment scheduling. The buyer traditionally chooses the notary (you're paying the fee, so you choose). Your lawyer typically recommends a notary they work with regularly. The appointment is coordinated between both parties' lawyers, the notary, and the bank (if there's a mortgage).

At the Notary — Step by Step

Who's in the room: The buyer (you, or your representative with power of attorney), the seller (or their representative), both parties' lawyers, the notary, and the bank representative (if there's a mortgage). If you don't speak Spanish fluently, your lawyer acts as translator, or a sworn translator can be arranged.

1

Identity verification.

The notary checks everyone's identification — passports, NIEs, and any powers of attorney. This is a legal requirement.
2

Reading of the escritura.

The notary reads the entire escritura aloud. This is a legal requirement in Spain — the document must be read in full to ensure all parties understand the terms. The escritura includes: the identities of buyer and seller, the property description (including cadastral reference), the purchase price, the payment method, confirmation that the property is free of charges (or listing any existing charges), and various legal declarations.

For international buyers, this can be the most tedious part — the reading is in Spanish, and even with translation, it takes thirty to sixty minutes. Your lawyer will have reviewed the document beforehand, so there should be no surprises.

3

Signing.

Once the reading is complete, buyer, seller, and notary all sign the escritura. If there's a mortgage, the mortgage deed (escritura de hipoteca) is signed in a separate but simultaneous process — the bank signs first, then the property deed.
4

Payment.

The buyer's payment is made (or confirmed as already transferred). Bank drafts are exchanged. The notary verifies that the financial arrangements are complete.
5

Keys.

The seller hands over the keys. The property is legally yours.
6

Post-signing.

The notary sends the signed escritura to the Land Registry (Registro de la Propiedad) for inscription. This takes a few weeks. Your lawyer handles the administrative follow-up: ensuring the property is registered in your name, that utilities are transferred, and that the IBI and tax records are updated.

Costs

CostAmount
Notary fees€600–1,200 (scaled to property value)
Land Registry inscription€400–800
Gestoría (administrative processing)€200–400 (if used for registration follow-up)
Sworn translator (if needed)€150–300 for attending the signing

The notary fee is set by government-regulated scales and is based on the property price. It is not negotiable. The buyer pays the notary fee. The seller traditionally pays for their own copy of the escritura (copia simple).

Common Mistakes to Avoid

Mistake 1: Not having your lawyer present. Never attend a notary signing without your lawyer. The reading is in Spanish, the legal implications are significant, and last-minute issues (an unexpected charge, a utility debt, a cadastral discrepancy) need professional handling in real time.

Mistake 2: Not reviewing the draft escritura in advance. Your lawyer should receive and review the draft at least 48 hours before the appointment. Corrections at the notary are possible but create delays and stress. Catch errors early.

Mistake 3: Not confirming the payment method with the bank. If you're paying by bank draft, the bank needs advance notice (typically 24–48 hours) to prepare it. If paying by transfer, the funds must clear before or during the appointment. Confirm the exact method, amount, and timing with your bank and lawyer the day before.

Mistake 4: Not checking that the seller has cleared all debts. Your lawyer should verify that the seller is current on IBI, community fees, and utility bills. Outstanding debts on the property can follow the property (not the previous owner) in some cases. Confirm this is clean before signing.

This page is general guidance only and should not be treated as legal or tax advice. For a specific purchase, consult a qualified Spanish lawyer and the appropriate professionals for your situation.

Next Step

Need help understanding what the final signing will actually look like in practice? Denise can help you prepare calmly.

If you want to map the timeline against real opportunities, Denise can share selected properties from trusted partner agencies.

Published by Denise Guerrero

FAQ

What is a notary in Spain?

A notario público in Spain is a government-appointed legal professional responsible for authenticating official documents, including property transactions. Unlike notaries in some other countries, Spanish notaries are qualified lawyers with additional specialized training. They act as impartial guarantors of the legality of the transaction — they verify identities, ensure the document is legally correct, and confirm that both parties understand what they're signing. The notary does not represent either the buyer or the seller.

How long does the notary appointment take?

A standard property purchase takes one to two hours at the notary. The bulk of the time is the reading of the escritura (thirty to sixty minutes). With a mortgage, add another thirty to sixty minutes for the separate mortgage deed reading and signing. Simple transactions (cash purchase, no complications) can be faster. Complex ones (multiple sellers, outstanding charges requiring resolution, translated documents) can take longer.

Do I have to be physically present at the notary?

No. You can grant a power of attorney (poder notarial) to your lawyer or another representative to sign on your behalf. This is common for international buyers who can't be in Málaga on the exact completion date. The power of attorney must be signed before a notary — either a Spanish notary (if you're in Spain beforehand) or at a Spanish consulate abroad (with apostille). Your lawyer can arrange this.

Can I choose which notary to use?

Yes. The buyer traditionally has the right to choose the notary. Your lawyer will typically recommend a notary they work with regularly, which streamlines communication and preparation. Any notary in Spain can handle the transaction — it doesn't need to be in the same city as the property, though having it in Málaga is practical.

What documents should I bring to the notary?

Your passport (original), your NIE (original certificate), your bank details (for payment verification), and any power of attorney documents if signing on behalf of another party. Your lawyer brings the legal documentation — you should not need to source any additional papers on the day itself. Arrive with your lawyer fifteen minutes before the scheduled time.

What is the difference between escritura pública and escritura privada?

An escritura pública is a public deed authenticated by a notary — this is what you sign when buying property. It has legal force and is inscribed in the Land Registry. An escritura privada is a private document between two parties without notarial authentication — the arras (deposit contract) is typically an escritura privada. Only the escritura pública signed at the notary transfers legal ownership.

What happens if there's a problem during the notary signing?

Your lawyer is there precisely for this situation. Common issues that arise: a last-minute discrepancy in the Nota Simple (a newly registered charge), a utility debt the seller hasn't cleared, a cadastral reference error, or a bank transfer delay. In most cases, the issue can be resolved on the spot or the signing is postponed briefly (hours or days) while the issue is fixed. This is why having your lawyer present is non-negotiable.

When do I get the keys?

Immediately after the escritura is signed and payment is confirmed. The seller hands over the keys at the notary office. From that moment, the property is legally yours to access, occupy, or begin renovating. The Land Registry inscription (which formally records your ownership) happens in the following weeks but doesn't affect your right to the property — the signed escritura is your proof of ownership.

How do I register the property in my name after the notary?

After signing, the notary electronically transmits the escritura to the Land Registry. Your lawyer (or a gestoría acting on their behalf) follows up to ensure the inscription is completed, typically within four to eight weeks. Once inscribed, you receive an updated Nota Simple showing you as the registered owner. Your lawyer also handles updating the IBI records with the local council, transferring utilities, and ensuring the Catastro records reflect the new ownership.

What is a Nota Simple and why does it matter?

A Nota Simple is an extract from the Land Registry showing the current legal status of a property: who owns it, any registered charges (mortgages, liens, legal disputes), and the property description. Your lawyer requests this at the start of the buying process and again immediately before the notary signing to confirm nothing has changed. It's the document that proves the seller actually owns what they're selling and that the property is free of hidden encumbrances. It costs approximately €10 from the Land Registry and is essential.

Can the notary signing be done in English?

The escritura is always in Spanish — that's a legal requirement. However, you have several options for understanding: your lawyer translates and explains each section (the standard approach for most international buyers), or a sworn translator (traductor jurado) attends the signing and provides real-time translation (recommended for buyers who want word-for-word comprehension). Additionally, you can request a bilingual escritura (some notaries prepare dual-language versions), though this is less common and adds cost.

What happens to the arras deposit at the notary?

The arras (deposit, typically 10% of the purchase price paid when signing the arras contract weeks before) is deducted from the total purchase price at completion. So if the property costs €300,000 and you paid €30,000 in arras, the remaining payment at the notary is €270,000. The escritura records both the total price and the previously paid arras. Your lawyer ensures the arithmetic is correct and reflected accurately in the deed.

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