Il tuo percorso di acquisto, passo dopo passo

A secured offer is a purchase offer that reaches the owner in writing, signed, dated and backed by a deposit. It is not a call or a message: it is a document with concrete terms — amount, payment method, deadlines and whether you request a financing clause — with money behind it proving the interest is real.

That is why it works better: the owner stops comparing words and compares verifiable offers. An offer with a deposit gets answered sooner, negotiates better and usually ranks ahead of those made by word of mouth.

It also protects you: there is a record of what you offered and when, and the owner has a maximum term to reply instead of leaving you waiting.

Le arras sono un segnale economico che l'acquirente versa al venditore per riservare l'immobile e impegnarsi all'acquisto. In Spagna sono anteriori al rogito definitivo (non sono il saldo finale).

Esistono tre tipi: confirmatorias (anticipo sul prezzo), penales (con sanzione) e, le più comuni nel mercato secondario, le penitenciales (art. 1454 Codice civile spagnolo), che consentono il recesso:

• Se l'acquirente recede, perde le arras versate.
• Se il venditore recede, deve restituire il doppio delle arras.

La percentuale la decidi tu nell'offerta (la più comune e consigliata è il 10 % del prezzo). Per questo immobile, il 10 % sarebbero 20.000 €, detratti dall'importo finale. Ejemplo con una vivienda de 200.000 €.

The financing clause is an optional condition you can ask to include in the earnest money contract. It states that if the bank formally refuses your mortgage, the contract is void and you get your earnest money back in full.

Bear in mind: it is useful protection, but many owners do not accept it because it prolongs uncertainty. If your profile is solid and you have pre-approval, leaving it out sometimes makes your offer more competitive.

If you request it, you will be asked for:

• A minimum of 2 refusal certificates from different banks.
• A banking process window of 30 days as a rule, extendable if agreed with the owner.

If you are buying with cash this clause does not apply. It is your decision: you enable it with a checkbox when making your offer.

In una compravendita in Spagna i costi totali sono spesso intorno al 8–12 % del prezzo, in base alla comunità autonoma, se l'immobile è nuovo o usato e all'uso (prima casa, seconda casa, investimento).

• Imposte: ITP sull'usato (variabile; riduzioni per prima casa, giovani, ecc.). Nuovo: IVA + AJD in penisola e Baleari · IGIC + AJD alle Canarie.
• Notaio: ≈ 600–1.200 €
• Registro della proprietà: ≈ 400–700 €
• Pratica: ≈ 300–400 €
• Perizia (se mutuo): ≈ 300–450 €
• Onorari intermediazione: a volte a carico del venditore, a volte divisi — lo confermiamo prima della firma.

Su richiesta, il tuo agente Ziegel prepara un prospetto personalizzato con importi esatti prima del rogito.

When you send your offer, a secure payment gateway holds €500 on your payment method. To begin with it is a hold (pre-authorisation), not a charge: the money does not leave your account.

From there:

• If the owner declines your offer or does not reply in time → the hold is released automatically and nothing is charged.
• If the owner accepts → the hold becomes a charge and the amount stays on deposit until the earnest money contract is signed. When you sign and pay the earnest money it is always returned to you in full.
• If the owner accepts and you do not sign → the €500 is not returned: it stays as compensation.

While it is only a hold, your banking app may show it as a pending transaction. That is normal and it disappears once released.

Sì. Ziegel collabora con un panel di banche partner a cui possiamo inviare il tuo profilo perché competano su condizioni (TIN, TAE, durata, commissioni, vincoli).

Servizio opzionale e gratuito, senza impegno: scegli tu l'istituto (uno dei nostri o la tua banca). Lo richiedi allo step 2 dell'offerta.

Come funziona il supporto:

1. Spunti l'opzione allo step 2 (consenso GDPR per condividere il profilo con le banche partner).
2. Entro 24–48 h un consulente mutui Ziegel ti contatta per documentazione (DNI/NIE, ultime buste paga o dichiarazione redditi, anzianità lavorativa, debiti) e obiettivo (importo, durata, rata target).
3. Inviamo il profilo anonimizzato a 3–5 partner e raccogliamo le offerte vincolanti (TIN, TAE, vincoli, commissioni).
4. Ti consegniamo una tabella comparativa e scegli la banca per perizia e FEIN/FIAE (legge spagnola 5/2019 sul credito immobiliare).
5. Coordiniamo le tempistiche con te e la banca perché il rogito sia coerente con il contratto di arras (tipico 60 giorni con mutuo).

Se chiedi anche la clausola di finanziamento, si integra bene: confronti, perizi e, in caso di diniego, recuperi le arras.

Yes. The owner can accept your offer, decline it or propose a different price or terms. If they counter, your agent passes it on and you decide: accept, offer again or walk away.

While you negotiate, your deposit stays on hold. If you do not reach an agreement it is released at no cost.

It is not compulsory, but we recommend it. Seeing it avoids surprises with the condition, light, noise or the building, and gives you arguments to negotiate.

You can book the viewing from this page and make your offer afterwards. If you are away, your agent can show it to you by video.

Yes. The property is not taken off the market while your offer is being considered: others may arrive. The owner picks the one that suits them best, and it is not always the highest — payment method, deadlines and whether you ask for a financing clause also count.

That is where a secured, well-framed offer makes the difference against a verbal one.

No. Once you send it and your agent presents it to the owner, the offer stands and cannot be withdrawn: it remains in force until the owner replies or the term expires. That is why it is worth checking the amount, payment method and terms before sending — the summary step is there for exactly that.

If the owner declines or does not reply in time, the offer lapses on its own and the hold is released at no cost. If they accept and you then do not sign the earnest money contract, the €500 deposit stays as compensation.

Sì. DNI o NIE è obbligatorio per l'offerta: identifica formalmente l'acquirente e consente a venditore e notaio di verificare la capacità giuridica.

Se comprate in più persone, ogni acquirente deve fornire il proprio DNI/NIE — in seguito, in ufficio, chiederemo anche una copia.

I dati sono conservati cifrati (GDPR) e usati solo per l'operazione.

Yes, for three reasons. There is a record: your offer has a date and exact content. It is comparable: the owner sees your amount and terms next to the others. And it has a deadline: you know when you will get an answer.

You also do it in two minutes from your phone, with no trip to the office and nothing to print, and your Ziegel agent presents and defends it before the owner on your behalf.