{"id":41866,"date":"2025-08-19T16:38:58","date_gmt":"2025-08-19T16:38:58","guid":{"rendered":"https:\/\/spaineasy.com\/step-4-final-signing-with-the-notary-opening-your-spanish-bank-account\/"},"modified":"2026-10-16T11:05:10","modified_gmt":"2026-10-16T11:05:10","slug":"passo-4-firma-finale-dal-notaio-e-apertura-del-conto-bancario-in-spagna","status":"publish","type":"page","link":"https:\/\/spaineasy.com\/it\/portale-clienti\/regole-chiave-e-informazioni-essenziali\/passo-4-firma-finale-dal-notaio-e-apertura-del-conto-bancario-in-spagna\/","title":{"rendered":"Passo 4 &#8211; Firma finale dal notaio e apertura del conto bancario in Spagna"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top-small:1em;--awb-background-color:rgba(0,168,255,0.13);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-margin-bottom-small:1em;--awb-max-width:700px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\" style=\"border-radius:10px;\"><img decoding=\"async\" width=\"1536\" height=\"1024\" title=\"adf640f9-31e3-4e98-b85f-b3aced8e0ae8 (1)\" src=\"https:\/\/spaineasy.com\/wp-content\/uploads\/2025\/08\/adf640f9-31e3-4e98-b85f-b3aced8e0ae8-1.jpg\" alt class=\"img-responsive wp-image-41868\" srcset=\"https:\/\/spaineasy.com\/wp-content\/uploads\/2025\/08\/adf640f9-31e3-4e98-b85f-b3aced8e0ae8-1-200x133.jpg 200w, https:\/\/spaineasy.com\/wp-content\/uploads\/2025\/08\/adf640f9-31e3-4e98-b85f-b3aced8e0ae8-1-400x267.jpg 400w, https:\/\/spaineasy.com\/wp-content\/uploads\/2025\/08\/adf640f9-31e3-4e98-b85f-b3aced8e0ae8-1-600x400.jpg 600w, https:\/\/spaineasy.com\/wp-content\/uploads\/2025\/08\/adf640f9-31e3-4e98-b85f-b3aced8e0ae8-1-800x533.jpg 800w, https:\/\/spaineasy.com\/wp-content\/uploads\/2025\/08\/adf640f9-31e3-4e98-b85f-b3aced8e0ae8-1-1200x800.jpg 1200w, https:\/\/spaineasy.com\/wp-content\/uploads\/2025\/08\/adf640f9-31e3-4e98-b85f-b3aced8e0ae8-1.jpg 1536w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 1200px\" \/><\/span><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:42;line-height:1.16;\">Passo 4 &#8211; Firma finale dal notaio e apertura del conto bancario in Spagna<\/h1><\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" id=\"precisionimportantes\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:15px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:1.16;\">Documenti di identit\u00e0<\/h2><\/div><div class=\"fusion-text fusion-text-1\"><p data-start=\"391\" data-end=\"450\">La preghiamo di portare con s\u00e9 i Suoi documenti di identit\u00e0 originali e in corso di validit\u00e0.<\/p>\n<ul data-start=\"452\" data-end=\"617\">\n<li data-start=\"452\" data-end=\"542\">\n<p data-start=\"454\" data-end=\"542\">Per la firma dell'atto ufficiale davanti al notaio \u00e8 preferibile il passaporto. Verifichi che sia in corso di validit\u00e0.<\/p>\n<\/li>\n<li data-start=\"543\" data-end=\"617\">\n<p data-start=\"545\" data-end=\"617\">Il Suo NIE (numero di identificazione per stranieri) \u00e8 obbligatorio per la firma.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"619\" data-end=\"829\">Se il Suo NIE \u00e8 ancora in attesa, il nostro team post-vendita pu\u00f2 fornirLe un codice fiscale spagnolo (NIF) temporaneo entro 72 ore (servizio opzionale a pagamento).<\/p>\n<\/div><div class=\"fusion-text fusion-text-2 resumed\"><p>Il NIE ufficiale dovr\u00e0 comunque essere presentato entro 3 settimane dalla firma.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:0.5em;--awb-padding-right:0.5em;--awb-padding-bottom:0.5em;--awb-padding-left:0.5em;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:var(--awb-color3);--awb-border-top:0.5px;--awb-border-right:0.5px;--awb-border-bottom:0.5px;--awb-border-left:0.5px;--awb-border-style:solid;--awb-border-radius:5px 5px 5px 5px;--awb-width-large:33.333333333333%;--awb-margin-top-large:15px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element md-text-align-center sm-text-align-center\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" src=\"https:\/\/oleimmobilier.com\/wp-content\/uploads\/2024\/12\/exemple-de-NIF.jpg\" alt class=\"img-responsive\"\/><\/span><\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:24;--minFontSize:24;line-height:1.08;\"><h3 style=\"text-align: center;\">Ottenga il Suo NIF personale per l'acquisto di un immobile in Spagna<\/h3><\/h3><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-span-yes fusion-button-default-type\" style=\"--awb-margin-top:0.5em;--button_font_size:18px;--button_typography-font-family:&quot;Basier Square Semibold&quot;;--button_typography-font-style:normal;--button_typography-font-weight:400;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/spaineasysupport.com\/nif-personnel\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Per saperne di pi\u00f9<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:1.16;\">Normativa antiriciclaggio (AML)<\/h2><\/div><div class=\"fusion-text fusion-text-3\"><p>Per avviare la ricerca dell'immobile in modo efficace, abbiamo bisogno dei seguenti documenti:<\/p>\n<\/div><div class=\"fusion-text fusion-text-4\"><p data-start=\"950\" data-end=\"1111\">In base alle normative europee antiriciclaggio, le banche spagnole devono verificare la provenienza dei fondi per tutte le operazioni, sia che Lei paghi in contanti sia che ricorra a un mutuo.<\/p>\n<p data-start=\"1113\" data-end=\"1196\">Dovr\u00e0 fornire documenti che attestino la provenienza del denaro, ad esempio:<\/p>\n<ul data-start=\"1198\" data-end=\"1251\">\n<li data-start=\"1198\" data-end=\"1218\">\n<p data-start=\"1200\" data-end=\"1218\">Risparmi personali<\/p>\n<\/li>\n<li data-start=\"1219\" data-end=\"1243\">\n<p data-start=\"1221\" data-end=\"1243\">Eredit\u00e0 o donazioni<\/p>\n<\/li>\n<li data-start=\"1244\" data-end=\"1251\">\n<p data-start=\"1246\" data-end=\"1251\">Prestiti<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1253\" data-end=\"1284\">I documenti accettati possono includere:<\/p>\n<ul data-start=\"1286\" data-end=\"1411\">\n<li data-start=\"1286\" data-end=\"1305\">\n<p data-start=\"1288\" data-end=\"1305\">Estratti conto bancari<\/p>\n<\/li>\n<li data-start=\"1306\" data-end=\"1333\">\n<p data-start=\"1308\" data-end=\"1333\">Contratti di prestito o di donazione<\/p>\n<\/li>\n<li data-start=\"1334\" data-end=\"1356\">\n<p data-start=\"1336\" data-end=\"1356\">Prove dei bonifici<\/p>\n<\/li>\n<li data-start=\"1357\" data-end=\"1411\">\n<p data-start=\"1359\" data-end=\"1411\">Qualsiasi documento ufficiale che attesti l'origine dei fondi<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1413\" data-end=\"1645\">La mancata presentazione dei documenti richiesti entro i termini pu\u00f2 comportare il blocco dei fondi e la loro restituzione al conto di origine entro 10 giorni.<br data-start=\"1553\" data-end=\"1556\">Per evitare ritardi o complicazioni, Le consigliamo di preparare questi documenti con largo anticipo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:1.16;\">Aprire un conto bancario in Spagna<\/h2><\/div><div class=\"fusion-text fusion-text-5\"><p data-start=\"1103\" data-end=\"1181\">Si assicuri che tutti i decisori siano presenti durante le visite.<br data-start=\"759\" data-end=\"762\" \/>Il mercato spagnolo si muove rapidamente: se una decisione viene rimandata, l'opportunit\u00e0 potrebbe andare persa.<\/p>\n<\/div><div class=\"fusion-text fusion-text-6\"><p data-start=\"1688\" data-end=\"1740\">L'apertura di un conto bancario per non residenti \u00e8 necessaria per:<\/p>\n<ul data-start=\"1742\" data-end=\"1823\">\n<li data-start=\"1742\" data-end=\"1793\">\n<p data-start=\"1744\" data-end=\"1793\">Attivare le utenze (elettricit\u00e0, acqua, ecc.)<\/p>\n<\/li>\n<li data-start=\"1794\" data-end=\"1823\">\n<p data-start=\"1796\" data-end=\"1823\">Pagare le imposte locali sull'immobile<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1825\" data-end=\"1891\">Pu\u00f2 aspettarsi spese mensili di gestione contenute, a seconda della banca.<\/p>\n<p data-start=\"1893\" data-end=\"1912\">Documenti richiesti:<\/p>\n<p data-start=\"1914\" data-end=\"1933\">Per tutti i richiedenti:<\/p>\n<ul data-start=\"1934\" data-end=\"1963\">\n<li data-start=\"1934\" data-end=\"1963\">\n<p data-start=\"1936\" data-end=\"1963\">Ultime due dichiarazioni dei redditi annuali<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1965\" data-end=\"1977\">Se lavoratore dipendente:<\/p>\n<ul data-start=\"1978\" data-end=\"1999\">\n<li data-start=\"1978\" data-end=\"1999\">\n<p data-start=\"1980\" data-end=\"1999\">Ultime tre buste paga<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2001\" data-end=\"2018\">Se lavoratore autonomo:<\/p>\n<ul data-start=\"2019\" data-end=\"2075\">\n<li data-start=\"2019\" data-end=\"2044\">\n<p data-start=\"2021\" data-end=\"2044\">Ultimi due bilanci<\/p>\n<\/li>\n<li data-start=\"2045\" data-end=\"2075\">\n<p data-start=\"2047\" data-end=\"2075\">Ultime due dichiarazioni dei redditi<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2077\" data-end=\"2113\">Se ha altre fonti di reddito:<\/p>\n<ul data-start=\"2114\" data-end=\"2145\">\n<li data-start=\"2114\" data-end=\"2145\">\n<p data-start=\"2116\" data-end=\"2145\">Documenti giustificativi<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2147\" data-end=\"2178\">Per cittadini svizzeri e non UE:<\/p>\n<ul data-start=\"2179\" data-end=\"2223\">\n<li data-start=\"2179\" data-end=\"2223\">\n<p data-start=\"2181\" data-end=\"2223\">Certificato FICP (richiedibile online)<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-aspect-ratio:2 \/ 1;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none has-aspect-ratio\"><img decoding=\"async\" src=\"https:\/\/oleimmobilier.com\/wp-content\/uploads\/2025\/05\/Assurance_Habitation.webp\" class=\"img-responsive img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:1.16;\">Assicurazione sulla casa<\/h2><\/div><div class=\"fusion-text fusion-text-7\"><p data-start=\"2493\" data-end=\"2618\">Le consigliamo vivamente di sottoscrivere un'assicurazione sulla casa tramite la Sua banca spagnola.<br data-start=\"2337\" data-end=\"2340\">In genere copre i danni causati da incendi, perdite d'acqua e altri eventi.<br data-start=\"2413\" data-end=\"2416\">In molti casi, abbinare l'assicurazione al conto riduce anche le spese bancarie mensili.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:1.16;\">Provvista di fondi notarile<\/h2><\/div><div class=\"fusion-text fusion-text-8\"><p data-start=\"2540\" data-end=\"2607\">Non si tratta di un costo fisso, ma di una provvista destinata a coprire spese come:<\/p>\n<ul data-start=\"2609\" data-end=\"2716\">\n<li data-start=\"2609\" data-end=\"2642\">\n<p data-start=\"2611\" data-end=\"2642\">La registrazione del nuovo proprietario<\/p>\n<\/li>\n<li data-start=\"2643\" data-end=\"2716\">\n<p data-start=\"2645\" data-end=\"2716\">Le pratiche legali e amministrative (catasto, certificati, ecc.)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2718\" data-end=\"2804\">Entro 3-8 mesi dall'appuntamento dal notaio verranno emesse le fatture effettive. Se:<\/p>\n<ul data-start=\"2806\" data-end=\"2948\">\n<li data-start=\"2806\" data-end=\"2880\">\n<p data-start=\"2808\" data-end=\"2880\">I costi sono inferiori alla provvista \u2192 Le verr\u00e0 rimborsata la differenza<\/p>\n<\/li>\n<li data-start=\"2881\" data-end=\"2948\">\n<p data-start=\"2883\" data-end=\"2948\">I costi superano la provvista \u2192 Le verr\u00e0 chiesto di versare il saldo<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:1.16;\">Dopo la firma dal notaio: che cosa succede?<\/h2><\/div><div class=\"fusion-text fusion-text-9\"><p data-start=\"3003\" data-end=\"3135\">Ricever\u00e0 una copia semplice dell'atto firmato (escritura). Questo documento servir\u00e0 per le Sue pratiche amministrative successive all'acquisto.<\/p>\n<p data-start=\"3137\" data-end=\"3156\">Le fasi successive comprendono:<\/p>\n<ol data-start=\"3158\" data-end=\"3624\">\n<li data-start=\"3158\" data-end=\"3300\">\n<p data-start=\"3161\" data-end=\"3300\"><strong data-start=\"142\" data-end=\"162\">Pagamento delle imposte<\/strong><br data-start=\"162\" data-end=\"165\">A seconda del tipo di immobile (nuovo o di seconda mano), dovr\u00e0 pagare le imposte corrispondenti, come IVA, imposta di trasferimento o tasse di registrazione.<\/p>\n<\/li>\n<li data-start=\"3302\" data-end=\"3461\">\n<p data-start=\"3305\" data-end=\"3461\"><strong data-start=\"314\" data-end=\"353\">Iscrizione al Registro de la Propiedad (catasto)<\/strong><br data-start=\"353\" data-end=\"356\">Una volta pagate le imposte, l'atto viene inviato al Registro de la Propiedad affinch\u00e9 l'immobile possa essere registrato ufficialmente a Suo nome.<\/p>\n<\/li>\n<li data-start=\"3463\" data-end=\"3624\">\n<p data-start=\"3466\" data-end=\"3624\"><strong data-start=\"512\" data-end=\"542\">Consegna dell'atto definitivo<\/strong><br data-start=\"542\" data-end=\"545\">Dopo la registrazione, che pu\u00f2 richiedere alcuni mesi, ricever\u00e0 l'atto autentico registrato, ovvero il Suo titolo di propriet\u00e0 definitivo.<\/p>\n<\/li>\n<\/ol>\n<\/div><div class=\"fusion-text fusion-text-10 fusion-text-no-margin resumed\" style=\"--awb-margin-bottom:1em;\"><h3 data-start=\"3631\" data-end=\"3650\">Note importanti<\/h3>\n<ul data-start=\"3652\" data-end=\"3930\">\n<li data-start=\"3652\" data-end=\"3742\">\n<p data-start=\"682\" data-end=\"953\">La informiamo che dipendiamo interamente dallo Stato spagnolo per il rilascio degli atti autentici definitivi.<\/p>\n<\/li>\n<li data-start=\"3652\" data-end=\"3742\">\n<p data-start=\"682\" data-end=\"953\">Queste tempistiche sfuggono al nostro controllo e non esiste alcun modo per accelerare il processo.<\/p>\n<\/li>\n<li data-start=\"3652\" data-end=\"3742\">\n<p data-start=\"682\" data-end=\"953\">In alcuni casi possono essere necessari pi\u00f9 di 10 mesi.<\/p>\n<\/li>\n<li data-start=\"3652\" data-end=\"3742\">\n<p data-start=\"682\" data-end=\"953\">Se ha acquistato con un mutuo, di solito \u00e8 la banca o il servizio amministrativo del notaio a occuparsi dell'intero processo.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":41868,"parent":41936,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-41866","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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