您的分步购房之路

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.

Arras是买方向卖方支付的经济担保，用于锁定房源并正式承诺购买。在西班牙，它出现在最终产权公证书之前（不同于尾款）。

分为三类：confirmatorias（价款预付）、penales（带罚则），以及二手房最常见的penitenciales（西班牙《民法典》第 1454 条），允许解约：

• 若买方撤回，已付 arras 不予退还。
• 若卖方撤回，须双倍返还 arras。

比例由您在意向中决定（常见且建议为房价的 10%）。就该物业而言，10% 为 20.000 €，将从成交总额中抵扣。 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.

在西班牙购房，总费用常见约为房价的 8–12%，取决于自治区、物业为新房或二手房及用途（首套、度假、投资）。

• 税费：二手房 ITP（因地区与类型而异，首套、青年等可能有减免）。新房：本土与巴利阿里为增值税 + AJD · 加那利群岛为 IGIC + AJD。
• 公证：约 600–1,200 欧元
• 产权登记：约 400–700 欧元
• 代办：约 300–400 欧元
• 评估费（若贷款）：约 300–450 欧元
• 中介费：有时卖方承担，有时分摊——签约前我们会确认。

如需，您的 Ziegel 顾问会在过户前准备个性化费用明细。

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.

可以。Ziegel 与多家合作银行合作，可将您的资料发送给它们以竞争最优条件（TIN、TAE、期限、费用、捆绑产品）。

该服务可选且免费，无强制：最终机构由您选择（我们的合作行或您常用银行）。在意向第 2 步勾选申请。

服务流程：

1. 在意向第 2 步勾选（同意 GDPR 向合作银行共享资料）。
2. 24–48 小时内，Ziegel 按揭顾问联系您收集基本材料（DNI/NIE、近期工资单或报税、工龄、负债）并了解目标（金额、期限、目标月供）。
3. 我们将匿名化资料发给 3–5 家合作机构并收集绑定报价（TIN、TAE、捆绑、费用）。
4. 提供对比表，由您选择银行继续评估与 FEIN/FIAE（西班牙 2019/5 房地产信贷法）。
5. 与您及银行协调时间，使过户节点与 arras 合同衔接（按揭常见约 60 天）。

若同时申请融资条款，可很好配合：比较、评估，若拒贷可退回 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.

需要。DNI 或 NIE在提交购房意向时为必填项：用于正式识别买方，并供业主与公证处核验签约能力。

若多人共同购买（夫妻、亲属、投资人），每位买方均须提供各自的 DNI/NIE——之后在办公室我们还会收取复印件。

数据加密存储（GDPR），仅用于本次交易。

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.