Why is IFAR the best company to choose?

IFAR is a registered insurance broker. For this, the strictest requirements must be met in Spain. This guarantees the treatment of your insurance at the highest quality level.

How does IFAR minimize my premium?

We work with more than 20 Spanish and international insurers. From this we choose the insurance with the best premiums for you per insurance. And if a company raises its premiums, we go to another. This way we keep your premiums low.

How does IFAR make it easy for me?

We make the translation for you in terms of language and regulations. You can email and call us in English. We answer your questions as clearly as possible. In fact, we simply arrange everything. This is how we make it as easy as possible for you.

Can IFAR take care of my mortgage quickly?

A mortgage for your dream house in Spain turns out to be different than in the UK, USA or any other country. You will receive a Spanish brochure with everything you need to deliver and the highest interest rate because you are a foreigner. We only ask you what is needed, in English, and give you the best offer in no time.

Business Premises Financing in Spain | Commercial Investing IFAR

Business Premises Financing in Spain: Everything You Need to Know

Financing a business premises in Spain offers opportunities but also comes with clear conditions. Financing is often limited to 50% of the property value, with a maximum term of 12 years. In this article, you will read exactly how financing commercial real estate in Spain works—and what you need to watch out for as a foreign entrepreneur.

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Why Invest in a Business Premises in Spain?

Buying a business premises in Spain is attractive due to the growing economy, relatively low property prices, and tourist appeal. Entrepreneurs in hospitality, retail, and logistics benefit from favorable conditions and strategic locations.

How Does Financing Commercial Real Estate in Spain Work?

Financing commercial real estate in Spain usually takes place through Spanish banks or specialized lenders. Banks typically finance up to 50% of the market value of the property. A solid business model and good creditworthiness are crucial.

Mortgage for Business Premises in Spain: Conditions and Term

A mortgage for a business premises in Spain usually has a maximum term of 12 years. Interest rates range between 3% and 6%, depending on the risk profile. Banks often require a significant own contribution and collateral.

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Financing Options for Foreign Entrepreneurs

Financing options in Spain for non-residents are limited but possible. Foreign entrepreneurs should expect stricter conditions, including higher down payments, additional guarantees, and support from a local tax advisor or lawyer.

Tax Benefits and Legal Aspects

When investing commercially in Spain, you can benefit from tax advantages such as VAT refunds with certain purchase structures. Pay attention to regional differences in regulations, the mandatory NIE (Número de Identificación de Extranjero), and registration with the Spanish land registry.

What to Consider When Buying a Business Premises in Spain?

When buying a business premises in Spain, location, zoning (urbano vs. rústico), permits, and condition are crucial. Always conduct due diligence and involve a local real estate agent and legal expert for guidance.

Conclusion: Stable Investment with Clear Conditions

Financing a business premises in Spain can be a stable long-term investment. However, keep in mind the conservative lending structure (maximum 50% of the value) and a term rarely longer than 12 years. Good preparation and local advice are essential for success.

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