Is your property registered at the Catastro as
well as the Registro? Who cares? Here’s a simple way to find out and why it pays to do so.
Most people are surprised to learn that Spain has two property registration systems that co-exist side by side. This means that a property is registered (or at least should be) in two different places, each one holding different information about the property. Unfortunately however the two bodies do not share information with one another terribly well which can lead to complications.
British people are used to dealing with one local Land Registry which holds all of the information about a property. When the time comes to sell in the UK the vendor’s solicitor will apply for a copy of the information held on the property register and send this to the buyer’s solicitor together with the title deeds. This is not the case in Spain where the buyer’s lawyer should check with each of the two registries, and it is a good idea to check yourself (whether you are selling or not) if only to make sure that the correct information is held by each registry.
The Catastro – If you are paying your IBI tax (sometimes mistakenly referred to as Suma tax) then your property’s catastral reference will appear on the IBI receipt. From this reference number you will be able to obtain a catastral certificate which will tell you the property’s boundaries, its physical layout and its exact location. The certificate is cheap to obtain and will provide you with a plan as well as a full description of the property in words. In addition, the Catastro deals with the official valuation of a property and holds the valor catastral which is the sum upon which your IBI bill is calculated.
The Registro de la Propiedad – This registry holds information confirming the details of the registered owner as well as the charges/debts which are registered against a property. Many people think that an escritura in a person’s name is proof of ownership – it is not. Only an up to date ‘Nota Simple’ obtained from the relevant land registry is confirmation of ownership, and will show if the property has a mortgage registered against it amongst other things. Once again the cost of obtaining a Nota Simple is tiny compared with the value of the information it holds.
Property has exchanged hands on the strength of a Nota Simple (or less) for many years in Spain although this is gradually changing and foreign purchasers are thankfully becoming better informed. It is still quite often the case however that a buyer will be encouraged not to worry about the Catastro records and many different reasons will be given. Do not be put off and ask to see them. For example, I am currently dealing with a transaction where the plot size mentioned on the property’s escritura is almost 1,500 m2 greater than that stated at the records held at the Catastro office. Fortunately for my client this will be brought into line when the new escritura is signed at time of sale but the discrepancy would not have been noticed if a search of the Catastro had not been made.
As they say at the end of Crimewatch please don’t worry unnecessarily - I’m sure your property is fine although it doesn’t cost a great deal to check.
If you have any questions about property registration,
then please email us: info@spanishadvertiser.info using your
spanish advertiser email address and we will endeavour to return
your query as soon as possible.
So,
you have are thinking of relocating to Spain, of finding
a job to live and work in the Spanish sun. Now all you
need to do is work out the best and most efficient way to do
so. Below, we will give you as much information as we can,
to assist your journey through the bureaucratic systems involved.
If you have travelled, previously, you will know that being
prepared and learning from “Those
who have gone before”, lessens the inevitable frustration.
We hope that the information we have gathered, will do just
that.
In addition, visit our forum often…., make friends and
ask questions of others who have made the journey and found jobs.
Be assured that we at the Spanish Advertiser want to help you,
in any way we can to make Spain your home. Don't forget to visit
our jobs in spain directory on the jobspot page.
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we cannot be held legally responsible for any misrepresentation
that may occur by misprint. Whilst every effort is made to ensure accuracy
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S.L. cannot be held responsible for poor quality images or inadequate
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