Nota Simple

Why you need it before buying

The nota simple reveals problems that are not visible from a physical viewing: unpaid mortgages, legal disputes, embargoes from creditors, rights of way, or ownership claims from third parties. If a property has a registered mortgage, the debt follows the property, not the seller. Buying without checking the nota simple is one of the most expensive mistakes you can make in Spain.

How to request one

You can request a nota simple online through registradores.org for a small fee (typically 9 to 15 euro) or in person at the Registro de la Propiedad where the property is registered. Online requests usually deliver the document within 24 to 48 hours. You need either the property's finca number (found on the escritura) or its full address.

Nota simple versus catastro

The nota simple comes from the Registro de la Propiedad and tells you who owns the property and what debts are on it. The catastro tells you the physical characteristics (surface area, location, use) and the fiscal value (valor catastral) used for tax calculations. They are complementary. Discrepancies between the two are common and should be investigated before purchase.

How long is it valid

A nota simple has no fixed legal validity period, but the information is only accurate at the moment it was issued. Banks and notaries typically require one that is no older than 15 to 30 days. If your transaction takes longer, request a fresh one.