How much money do I need to have saved to buy a home?

You need roughly 30% to 32% of the property value: 20% for the initial down payment that banks do not usually finance and 10% for taxes and legal formalities (ITP, notary, land registry).

What taxes do I have to pay if I buy in Catalonia?

Buying a resale property in Catalonia is subject to 10% property transfer tax (ITP), reduced to 5% if you meet the age or family requirements. New-build properties are subject to 10% VAT.

How do I make a formal offer on a property I like?

It is formalised through a deposit contract in which a financial reservation is paid. This document secures the purchase between the parties and establishes feasibility before going to the notary.

Do I have to take out the mortgage only with the bank where I am already a customer?

Absolutely not. You can negotiate the financing with different banks. A specialist adviser can approach several at once to get you the most advantageous interest rates and conditions on the market.

Guided Property Purchase in Vilanova i la Geltrú

If you want to buy a property, we will put at your disposal a broad portfolio of properties of every type and price range.

Whether to live in, work in or invest in. Tell us what you are looking for and, if we don’t have it right now, we will end up finding it.

Our mission as your property partner is to guide you so that you have complete financial and legal peace of mind throughout the process.

In short, at Llars.net we help you find your home.

How our buying service works

Personalised property search

We take care of searching for and finding the right property that meets your needs and requirements, with a tailored guided viewing.

Market and feasibility analysis

We analyse the market where the property is located, the technical feasibility of the purchase and all the available options before you put any money down.

Price and terms negotiation

We negotiate the price and the terms of the sale contract, acting as an objective intermediary to secure the most favourable outcome for you.

Financial and legal advice

We look for the best mortgage conditions if you need them, advise you throughout the process and formalise the purchase with you at the notary’s office.

Resale properties in Vilanova and the surrounding area

To buy a resale property, all you have to do is find the home or commercial unit that matches your priorities in terms of location, layout and lifestyle. Once you have chosen, our estate agency in Vilanova will advise you at every step until you have the keys.

Llars.net maintains a verified portfolio of highly competitive properties, ideal whether you are looking for houses for sale in the Garraf that are ready to move into tomorrow, or a characterful flat to renovate. We filter the market so we only show you what fits you.

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New-build homes and renovations in the Garraf

At Llars.net we promote the most innovative offering and are constantly looking for new developments and full building renovations so that you find properties that meet the most recent energy efficiency standards.

We always have exclusive offers with the best build quality, modern finishes and buildings that benefit from sustainable materials in Vilanova i la Geltrú and nearby towns.

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Property investment in the Garraf region

Bank-owned assets have consolidated their place in recent years: plots, homes, offices and warehouses, either resale or nearly new, which — thanks to the supply held in the banks’ portfolios — allow high annual returns for the investor buyer.

Llars.net has been selected as the official property manager for the leading bank funds in the Garraf. The buying process requires extra paperwork, and we free you from it completely thanks to our specialist agents.

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Grants and financing to buy a home in 2026

Did you know there are significant grants available if you are looking to buy this year? Buying a flat or looking for a house in Vilanova does not always mean having to put up 20% plus 10% in taxes out of your own pocket all at once.

ICO guarantee 2026: the State temporarily covers the initial 20% that banks do not lend if you are under 35 or a family with dependent children.
Emancipation Loan in Catalonia: you can receive a loan of up to 20% of the property value at 0% interest if you are registered as a resident in Catalonia.

Trust our estate agency to structure your financial profile with the banking option that gives you fair access to the houses for sale in the Garraf.

Frequently asked questions about buying a home (FAQ)

How much money do I need to have saved to buy a home?

As a general rule, the bank finances up to 80% of the appraised or purchase value of the property. You need the remaining 20% plus the cost of taxes and formalities, which means having around 30% to 32% of the total value saved in cash, unless you qualify for state grants or are under 35.
What taxes do I have to pay if I buy in Catalonia?

Resale properties are subject to property transfer tax (ITP), which in Catalonia is generally 10%. This rate is reduced to 5% for people under 32 on specific income levels, or for large families. New-build properties are subject to 10% VAT plus stamp duty (AJD).
How do I make a formal offer on a property I like?

It is done through a deposit contract (contrato de arras). It is a binding contract in which a sum of money is paid. If the bank does not grant you the mortgage, there are clauses (the Generalitat’s mortgage clause) that can protect the recovery of the deposit, which we prepare rigorously at our agency.
Do I have to take out the mortgage only with the bank where I am already a customer?

Of course not! Just as with negotiating the property price, your leverage lies in comparing offers. With expert intermediation, we put your profile in front of several banks in parallel so they compete and offer you the cheapest Euribor-linked or fixed-rate option on the market, without you having to visit every branch.

Guided Property Purchase in Vilanova i la Geltrú