{"id":2735,"date":"2026-08-13T09:48:05","date_gmt":"2026-08-13T07:48:05","guid":{"rendered":"https:\/\/finquessegarra.com\/consejos\/documents-needed-to-sell-a-house-a-comprehensive-guide-to-a-smooth-transaction\/"},"modified":"2026-08-18T11:44:00","modified_gmt":"2026-08-18T09:44:00","slug":"documents-needed-to-sell-a-house-a-comprehensive-guide-to-a-smooth-transaction","status":"publish","type":"consejos","link":"https:\/\/finquessegarra.com\/en\/consejos\/documents-needed-to-sell-a-house-a-comprehensive-guide-to-a-smooth-transaction\/","title":{"rendered":"Documents needed to sell a house: A comprehensive guide to a smooth transaction"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;||3px|||&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_accordion _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; border_width_left=&#8221;4px&#8221; border_color_left=&#8221;#00549D&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_accordion_item title=&#8221;Is now a good time to sell your second home?&#8221; open=&#8221;on&#8221; open_toggle_text_color=&#8221;#00549D&#8221; open_toggle_background_color=&#8221;#FFFFFF&#8221; closed_toggle_background_color=&#8221;#FFFFFF&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#00549D&#8221; toggle_level=&#8221;h2&#8243; toggle_font_size=&#8221;27px&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p>Knowing when to sell a second home depends on the market, but the answer for 2026 is clear: the best time is right now. Due to the growing prevalence of remote working and the high demand from buyers looking to move to the coast permanently, holiday property prices remain at record highs. In Finques Segarra\u2019s experience, postponing the decision introduces unnecessary risks in the face of future changes in the economic cycle; capitalising on the current momentum guarantees you\u2019ll complete the sale with maximum profitability, security and speed.<\/p>\n<p>  <\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_text _builder_version=&#8221;4.27.7&#8243; header_2_font_size=&#8221;27px&#8221; custom_margin=&#8221;|10px|||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; header_3_font_size=&#8221;20px&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><!-- divi:paragraph {\"align\":\"left\"} --><\/p>\n<p data-path-to-node=\"4\">Deciding when<a href=\"https:\/\/finquessegarra.com\/en\/services\/second-residence\/\" style=\"color: #003366;\"> to sell a second home<\/a> is often accompanied by a host of strategic uncertainties. Is it better to wait for prices to rise a little further, or should you capitalise on the current momentum before a possible change in the market cycle? Based on Finques Segarra\u2019s experience, we can give you the short answer straight away: yes, we are in an exceptionally favourable market for sellers in 2026. The holiday property market, particularly for properties in coastal areas and well-connected residential areas, has undergone a structural transformation that has dramatically boosted its appeal.   <\/p>\n<p data-path-to-node=\"5\">We are no longer dealing with the traditional seasonal weekend market. Macroeconomic factors, profound sociological changes and the evolution of property as a financial asset have all come together to create a unique window of opportunity for property owners seeking to maximise the return on their initial investment. Throughout this in-depth analysis, we will break down in detail why demand remains at record highs and what factors you need to consider to carry out the transaction with complete legal and financial certainty.  <\/p>\n<p><!-- \/divi:paragraph --><\/p>\n<p><!-- divi:paragraph {\"align\":\"left\"} --><\/p>\n<h2 data-path-to-node=\"7\">The evolution of the modern buyer: From holiday homes to primary residences<\/h2>\n<p data-path-to-node=\"8\">The main driving force behind the current market is the radical change in the buyer\u2019s profile. Traditionally, buying a house on the coast or in rural areas was associated exclusively with seasonal leisure: a property that remained closed for much of the year and only came to life during the summer holidays or long weekends. However, developments in recent years have cemented work and social trends that have rewritten these rules.  <\/p>\n<p data-path-to-node=\"9\">The widespread adoption of hybrid and fully flexible remote working models has led to a trend towards urban decentralisation. Technical professionals, managers and self-employed people on middle-to-high incomes no longer need to live just a few kilometres from their corporate offices in major cities. Now, the top priority is quality of life, space and contact with natural surroundings, provided that three fundamental requirements are met:  <\/p>\n<ul data-path-to-node=\"10\">\n<li>\n<p data-path-to-node=\"10,0,0\">Impeccable digital connectivity: The expansion of high-speed fibre-optic networks to virtually any coastal town means you can work just as efficiently as you would in the heart of a major capital city.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"10,1,0\">Efficient infrastructure and transport: The excellent road links and proximity to medium- and high-speed rail networks enable fast and punctual travel for essential face-to-face meetings.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"10,2,0\">Services open all year round: Areas that used to be deserted in winter now have shops, restaurants and medical services operating year-round, thanks to the steady influx of long-term temporary residents.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"11\">This paradigm shift means that your second home is no longer competing solely in the limited holiday home market. It is now a sought-after property for families who envisage it as their primary residence or as their main home for more than six months a year, exponentially increasing the number of qualified buyers ready to make a firm offer. <\/p>\n<p><!-- \/divi:buttons --><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|15px|||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_code _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<iframe loading=\"lazy\" width=\"458\" height=\"815\" src=\"https:\/\/www.youtube.com\/embed\/5doz69y4HRU\" title=\"Thinking of selling your house in 2026? The answer is YES (and I\u2019ll explain why) \ud83c\udfe1\ud83d\udcc8\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen=\"\"><\/iframe>[\/et_pb_code][et_pb_button button_url=&#8221;https:\/\/finquessegarra.com\/en\/contact\/&#8221; button_text=&#8221;I want to sell my second home&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;20px&#8221; button_text_color=&#8221;#EF7C00&#8243; button_border_radius=&#8221;50px&#8221; button_letter_spacing=&#8221;0px&#8221; custom_margin=&#8221;30px||20px||false|false&#8221; animation_style=&#8221;slide&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|||15px|false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.5&#8243; header_2_font_size=&#8221;27px&#8221; custom_margin=&#8221;|10px|||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; header_3_font_size=&#8221;20px&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;]<!-- divi:paragraph {\"align\":\"left\"} --><\/p>\n<h2 data-path-to-node=\"13\">Property market forecasts: Price trends and developments<\/h2>\n<p data-path-to-node=\"14\">Another crucial factor in determining when to sell a second home relates to the trend in prices per square metre. Official industry statistics show that residential property prices in areas with high tourist and coastal demand have continued to rise steadily. Far from suffering a drastic slowdown due to the rise in interest rates in previous years, the shortage of new-build properties and strong demand (both domestic and international) have kept prices at very competitive levels.  <\/p>\n<p data-path-to-node=\"24\"><!-- \/divi:paragraph --> <!-- divi:paragraph --> <!-- \/divi:paragraph --> <!-- divi:paragraph --> <!-- \/divi:paragraph --> <!-- divi:paragraph --> <!-- \/divi:paragraph --> <!-- divi:paragraph --> <!-- \/divi:paragraph --> <!-- divi:buttons {\"layout\":{\"type\":\"flex\",\"justifyContent\":\"center\"}} --> <!-- \/divi:buttons --><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||30px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.7&#8243; header_2_font_size=&#8221;27px&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; header_3_font_size=&#8221;20px&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_margin=&#8221;|10px|||false|false&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><!-- divi:paragraph {\"align\":\"left\"} --><\/p>\n<h2 data-path-to-node=\"17\">The importance of tax planning: Expenses and taxes when selling your second home<\/h2>\n<p data-path-to-node=\"18\">For a property transaction to go from being \u2018good\u2019 to a resounding success, it is essential to have a thorough understanding of the financial fine print. When selling this type of property, tax legislation applies different criteria to those for a main residence. As it is not your permanent residence, you do not benefit from the general tax relief available for reinvestment, so you must make appropriate provision for the following tax costs:  <\/p>\n<p data-path-to-node=\"19,0,0\" style=\"padding-left: 40px;\">1. Personal Income Tax (IRPF): You will be required to pay tax on the net capital gain in your tax return. This is calculated by subtracting the adjusted acquisition value (original purchase price plus notary fees, taxes and justified renovation costs) from the actual disposal value (final sale price minus estate agent\u2019s or administrative fees). The resulting tax rate is applied using progressive bands ranging from 19% to 28%, depending on the amount of the profit made.  <\/p>\n<p data-path-to-node=\"19,0,0\" style=\"padding-left: 40px;\">2. Tax on the Increase in the Value of Urban Land (Municipal Capital Gains Tax): This local tax is levied on the increase in the value of the land on which the property is built, from the date you purchased it until the date of sale. It is paid directly to the relevant local council and can be calculated using either the objective assessment method or the actual cost method, whichever is financially more favourable to you. <\/p>\n<p data-path-to-node=\"19,0,0\" style=\"padding-left: 40px;\">3. Land Registry Discharge Fees: If the property is still subject to a mortgage, it is essential to arrange for the mortgage to be paid off with the bank and subsequently have it discharged from the Land Registry by means of a notarised deed, so that the property can be handed over to the new buyer completely free of encumbrances.<\/p>\n<h2 data-path-to-node=\"21\">Maximise the profit from your sale with Finques Segarra<\/h2>\n<p data-path-to-node=\"22\">The success of a property transaction does not depend on chance, but on combining analytical market data with a flawless marketing strategy. If your property is in a prime location and you want to take the plunge without making any strategic mistakes, the best course of action is to put your trust in results-driven local specialists. <\/p>\n<p data-path-to-node=\"23\">We invite you to find out first-hand how we manage properties through our section specialising in <link-block _nghost-ng-c3037463044=\"\" class=\"ng-star-inserted\"><a _ngcontent-ng-c3037463044=\"\" target=\"_blank\" rel=\"noopener\" externallink=\"\" _nghost-ng-c1066256787=\"\" jslog=\"197247;track:generic_click,impression,attention;BardVeMetadataKey:[[\"r_be69ea0b2574b6a8\",\"c_fa8f08d9e814b260\",null,\"rc_638e53e26c194c88\",null,null,\"es\",null,1,null,null,1,0]]\" href=\"https:\/\/finquessegarra.com\/en\/services\/second-residence\/\" class=\"ng-star-inserted\">second homes in Tarragona<\/link-block><\/a> where we design bespoke marketing plans to connect your property with highly qualified national and international buyers.<\/p>\n<p data-path-to-node=\"24\">Furthermore, at Finques Segarra we offer you full access to our advanced, free online property valuation tool, which cross-references data from actual sales and trends in your exact area to provide you with a realistic estimate in record time. Don\u2019t let uncertainty hold back your financial goals. Contact our team of specialist advisers today and let us guide you through the entire process to ensure a smooth, transparent sale that maximises the financial return for you.  <!-- \/divi:paragraph --> <!-- divi:paragraph --> <!-- \/divi:paragraph --> <!-- divi:paragraph --> <!-- \/divi:paragraph --> <!-- divi:paragraph --> <!-- \/divi:paragraph --> <!-- divi:paragraph --> <!-- \/divi:paragraph --> <!-- divi:buttons {\"layout\":{\"type\":\"flex\",\"justifyContent\":\"center\"}} --> <!-- \/divi:buttons --><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ededed&#8221; custom_padding=&#8221;|15px||15px|false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_heading title=&#8221;If you have a problem, we&#039;ll solve it for you.&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_text_color=&#8221;#00549D&#8221; title_font_size=&#8221;27px&#8221; custom_margin=&#8221;||10px|||&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p>Having the right support makes all the difference when it comes to selling your home.<\/p>\n<p>Talk to an agent and get answers to all your questions.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/finquessegarra.com\/en\/contact\/&#8221; button_text=&#8221;Contact&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#EF7C00&#8243; button_border_radius=&#8221;50px&#8221; button_letter_spacing=&#8221;0px&#8221; custom_margin=&#8221;30px||20px||false|false&#8221; animation_style=&#8221;slide&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/finquessegarra.com\/wp-content\/uploads\/2025\/12\/imagen_teayudo_finques_cuadrada.webp&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|40px|40px|40px|40px&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_accordion open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#EF7C00&#8243; use_icon_font_size=&#8221;on&#8221; icon_font_size=&#8221;26px&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; toggle_font=&#8221;||||||||&#8221; body_font_size=&#8221;16px&#8221; custom_css_free_form=&#8221;selector strong:hover {||  color: #ef7c00;||}||selector hr {||  border-top: 1px solid #ef7c00;||}&#8221; custom_css_toggle_title=&#8221;border-bottom: solid 1px #ef7c00;||padding-bottom: 10px!important;&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_accordion_item title=&#8221;How long does it currently take to sell a second home?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p>With the right pricing strategy, backed by market research and a professional marketing campaign, the average time taken to sell in high-demand coastal areas is usually between 2 and 4 months. A longer timeframe is often indicative of a misaligned asking price or a lack of publicity for the property. <\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What are the costs and taxes involved in selling a second home?&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; open=&#8221;off&#8221;]<\/p>\n<p data-path-to-node=\"29\">The seller must pay income tax on the capital gain realised (at rates ranging from 19 per cent to 28 per cent) and pay the municipal capital gains tax to the local council. Unlike in the case of a main residence, there is no exemption for reinvestment in another property; therefore, any capital gain not exempt on the basis of age (for those over 65 under very specific conditions) will be subject to tax. <\/p>\n<h3 data-path-to-node=\"30\"><\/h3>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Knowing when to sell a second home depends on the market, but the answer for 2026 is clear: the best time is right now. Due to the growing prevalence of remote working and the high demand from buyers looking to move to the coast permanently, holiday property prices remain at record highs. In Finques Segarra\u2019s [&hellip;]<\/p>\n","protected":false},"featured_media":2734,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"categories":[31],"class_list":["post-2735","consejos","type-consejos","status-publish","has-post-thumbnail","hentry","category-property-owners"],"acf":[],"_links":{"self":[{"href":"https:\/\/finquessegarra.com\/en\/wp-json\/wp\/v2\/consejos\/2735","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finquessegarra.com\/en\/wp-json\/wp\/v2\/consejos"}],"about":[{"href":"https:\/\/finquessegarra.com\/en\/wp-json\/wp\/v2\/types\/consejos"}],"version-history":[{"count":2,"href":"https:\/\/finquessegarra.com\/en\/wp-json\/wp\/v2\/consejos\/2735\/revisions"}],"predecessor-version":[{"id":2737,"href":"https:\/\/finquessegarra.com\/en\/wp-json\/wp\/v2\/consejos\/2735\/revisions\/2737"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finquessegarra.com\/en\/wp-json\/wp\/v2\/media\/2734"}],"wp:attachment":[{"href":"https:\/\/finquessegarra.com\/en\/wp-json\/wp\/v2\/media?parent=2735"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finquessegarra.com\/en\/wp-json\/wp\/v2\/categories?post=2735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}