{"id":172321,"date":"2026-03-30T10:47:06","date_gmt":"2026-03-30T10:47:06","guid":{"rendered":"https:\/\/www.santanyi.net\/?p=172321"},"modified":"2026-03-30T10:47:06","modified_gmt":"2026-03-30T10:47:06","slug":"ets-estranger-i-vols-comprar-una-casa-a-mallorca-guia-completa-2026","status":"publish","type":"post","link":"https:\/\/www.santanyi.net\/ca\/ets-estranger-i-vols-comprar-una-casa-a-mallorca-guia-completa-2026\/","title":{"rendered":"Ets estranger i vols comprar una casa a Mallorca? Guia completa 2026"},"content":{"rendered":"<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si est\u00e0s pensant a comprar una propietat a Mallorca sent estranger, la bona not\u00edcia \u00e9s que el proc\u00e9s \u00e9s m\u00e9s senzill del que sembla. Espanya no imposa restriccions als ciutadans estrangers per adquirir immobles. Qualsevol persona, sigui resident o no, pot comprar una casa, apartament, vila o finca a Mallorca sense necessitat de perm\u00eds especial.  <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El que s\u00ed que necessites \u00e9s informaci\u00f3 clara, un acompanyament professional de confian\u00e7a i saber exactament quins passos fer. Aquesta guia t&#8217;ho explica tot, des dels tr\u00e0mits inicials fins a la signatura davant de notari. I al final, t&#8217;expliquem per qu\u00e8 el sud-est de Mallorca \u2014i Santany\u00ed en particular\u2014 \u00e9s la zona que m\u00e9s compradors europeus exigents escullen avui.  <\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Un estranger pot comprar una casa a Mallorca?<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">S\u00ed, sense cap restricci\u00f3. Com a ciutad\u00e0 de la Uni\u00f3 Europea tens exactament els mateixos drets que qualsevol espanyol per adquirir una propietat a Mallorca. Sense permisos especials, sense burocr\u00e0cia addicional, sense complicacions.  <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">L&#8217;\u00fanic requisit previ \u00e9s obtenir el NIE (Nombre d&#8217;Identificaci\u00f3 d&#8217;Estranger), que \u00e9s el n\u00famero fiscal que us identifica davant l&#8217;administraci\u00f3 espanyola. Sense ell no es pot formalitzar cap compravenda. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Es tramita al Consolat espanyol del teu pa\u00eds o directament a Espanya. El proc\u00e9s sol trigar entre uns dies i poques setmanes. Amb el NIE a la m\u00e0, el cam\u00ed est\u00e0 obert.  <\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">El proc\u00e9s de compra pas a pas<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Comprar una propietat a Mallorca segueix un proc\u00e9s ordenat. Aquests s\u00f3n els passos habituals: <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">1. Troba la propietat adequada Treballa amb una immobili\u00e0ria local de confian\u00e7a que conegui b\u00e9 el mercat. No totes les propietats apareixen als portals generalistes, especialment al segment de luxe. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">2. Oferta i negociaci\u00f3 Un cop identificada la propietat, es presenta una oferta. Si el venedor l&#8217;accepta, s&#8217;avan\u00e7a al pas seg\u00fcent. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">3. Contracte d&#8217;arres \u00c9s un contracte privat entre comprador i venedor que en reserva la propietat. El comprador lliura normalment un 10% del preu com a senyal. Si el comprador es fa enrere, perd el senyal. Si \u00e9s el venedor qui es retira, n&#8217;ha de tornar el doble.   <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">4. Due diligence Abans de signar, \u00e9s fonamental verificar que la propietat est\u00e0 lliure de c\u00e0rregues, que t\u00e9 totes les llic\u00e8ncies en regla i que la situaci\u00f3 urban\u00edstica \u00e9s correcta. La teva immobili\u00e0ria i el teu advocat se n&#8217;encarreguen. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">5. Signatura davant de notari L&#8217;escriptura p\u00fablica de compravenda se signa davant de notari. En aquest moment s&#8217;abona el preu restant i la propietat passa al vostre nom. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">6. Registre de la propietat Despr\u00e9s de la signatura, la propietat s&#8217;inscriu al Registre de la Propietat al teu nom. A partir d?aqu\u00ed ets el propietari oficial. <\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Quants diners necessites realment?<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Aquest \u00e9s un dels punts on m\u00e9s sorpreses desagradables es treuen els compradors que no estan ben assessorats. El preu de la propietat \u00e9s nom\u00e9s una part del desemborsament total. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">A aquest preu cal sumar-hi aproximadament un 10-12% en impostos i despeses, que inclouen:<\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"whitespace-normal break-words pl-2\">ITP (Impost de Transmissions Patrimonials): s&#8217;aplica a la compra de segona m\u00e0. Balears oscil\u00b7la entre el 8% i el 13% segons el preu. <\/li>\n<li class=\"whitespace-normal break-words pl-2\">IVA: s&#8217;aplica a l&#8217;obra nova, actualment al 10%.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Notaria: entre 600 i 1.500 aproximadament segons el valor de l&#8217;immoble.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Registre de la propietat: entre 400\u20ac i 900\u20ac aproximadament.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Gestoria i advocat: entre 1.000 i 3.000 euros segons la complexitat de l&#8217;operaci\u00f3.<\/li>\n<\/ul>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Exemple pr\u00e0ctic: si compres una propietat per 800.000\u20ac, has de tenir previst un desemborsament addicional d&#8217;entre 80.000\u20ac i 96.000\u20ac nom\u00e9s en despeses i impostos.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Es pot demanar hipoteca a Mallorca essent estranger?<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">S\u00ed. Els bancs espanyols financen la compra de propietats a no residents, encara que les condicions s\u00f3n una mica m\u00e9s restrictives que per a residents. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">En general, els bancs solen finan\u00e7ar fins al 60-70% del valor de taxaci\u00f3 per a no residents, davant del 80% habitual per a residents. Aix\u00f2 vol dir que necessites tenir disponible com a m\u00ednim entre el 30% i el 40% del preu de compra, m\u00e9s les despeses esmentades anteriorment. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Els tipus d&#8217;inter\u00e8s i condicions varien segons el banc i el perfil financer. \u00c9s recomanable consultar diverses entitats i comptar amb el suport d&#8217;un broker hipotecari amb experi\u00e8ncia en operacions internacionals. <\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Qu\u00e8 passa amb els impostos si s\u00f3c resident a Alemanya i compro a Mallorca?<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Aquesta \u00e9s una pregunta molt habitual entre els compradors alemanys i del nord d&#8217;Europa. La resposta curta \u00e9s: comprar una propietat a Mallorca no us obliga a canviar la vostra resid\u00e8ncia fiscal ni a tributar a Espanya pels vostres ingressos globals. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">No obstant, s\u00ed que hi ha algunes obligacions fiscals que has de con\u00e8ixer:<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Impost sobre la Renda de No Residents (IRNR).<\/strong> Si no resideixes fiscalment a Espanya, pagues aquest impost anualment. Si no llogueu la propietat, la base imposable \u00e9s molt redu\u00efda \u2014 es calcula sobre un percentatge del valor cadastral de l&#8217;immoble i l&#8217;import final sol ser modest. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Si llogues la propietat.<\/strong> Els ingressos del lloguer tributen a Espanya. El tipus per a residents a la UE \u00e9s actualment del 19%. A m\u00e9s, pots deduir certes despeses relacionades amb la propietat.  <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Impost sobre el patrimoni.<\/strong> A les Balears hi ha un impost sobre el patrimoni per a no residents amb b\u00e9ns a Espanya que superin determinats llindars. El teu gestor o assessor fiscal t&#8217;informar\u00e0 si s&#8217;aplica en el teu cas concret. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El m\u00e9s recomanable \u00e9s consultar un assessor fiscal amb experi\u00e8ncia en operacions entre Alemanya i Espanya abans de tancar la compra. Aix\u00ed evites sorpreses i planifiques l&#8217;operaci\u00f3 de la manera m\u00e9s eficient possible. <\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Quina zona de Mallorca triar?<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Mallorca \u00e9s una illa gran amb mercats molt diferents entre si. La zona que trieu determinar\u00e0 no nom\u00e9s el preu, sin\u00f3 tamb\u00e9 l&#8217;estil de vida, el potencial de revaloraci\u00f3 i la rendibilitat si decideixes llogar. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Palma ofereix vida urbana i serveis complets. Perfecta per a qui vol ciutat, per\u00f2 sense la privadesa ni l&#8217;entorn natural que busca un comprador exigent. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El sud-oest (Calvi\u00e0, Andratx, Port Portals) \u00e9s una zona consolidada i cara, amb alta densitat tur\u00edstica. Els preus a molts segments ja han tocat sostre. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El nord (Pollen\u00e7a, Alc\u00fadia, S\u00f3ller) t\u00e9 paisatges espectaculars per\u00f2 tamb\u00e9 m\u00e9s massificaci\u00f3 en temporada alta i menys autenticitat local.<\/p>\n<h3 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">El sud-est de Mallorca: la zona amb m\u00e9s projecci\u00f3 per al comprador europeu<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si hi ha una zona que destaca per sobre de la resta per al comprador europeu que busca qualitat de vida, autenticitat i una inversi\u00f3 s\u00f2lida, aquesta \u00e9s el sud-est de Mallorca \u2014i dins ella, Santany\u00ed i els seus voltants.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">El municipi de Santany\u00ed engloba alguns dels racons m\u00e9s exclusius i cobejats de tota l&#8217;illa: Cala Figuera, Cala Llombards, Cala d&#8217;Or, Ses Salines, Es Llombards i Calonge, entre d&#8217;altres. Cadasc\u00fa amb el seu propi car\u00e0cter, per\u00f2 tots amb alguna cosa en com\u00fa: una qualitat de vida excepcional i una demanda internacional que no para de cr\u00e9ixer. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Les restriccions mediambientals del Parc Natural de Mondrag\u00f3 i la manca de s\u00f2l edificable fan que l&#8217;oferta de propietats a Santany\u00ed sigui limitada i molt controlada. Aix\u00f2 significa que els preus estan protegits estructuralment i que el valor del que compres avui continuar\u00e0 creixent dem\u00e0. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">A m\u00e9s, el sud-est ofereix una cosa que altres zones de Mallorca ja han perdut: autenticitat. Pobles de pedra amb segles d?hist\u00f2ria, cales d?aig\u00fces cristal\u00b7lines sense massificaci\u00f3, mercats locals, restaurants de producte i un ritme de vida que els compradors alemanys, austr\u00edacs i escandinaus busquen precisament quan trien Mallorca. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">L\u00b4aeroport \u00e9s a menys de 40 minuts. Palma a menys duna hora. Per\u00f2 quan arribes a Santany\u00ed, sembla que el m\u00f3n s&#8217;atura.  <\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Errors freq\u00fcents del comprador estranger a Mallorca<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Con\u00e8ixer els errors m\u00e9s habituals et pot estalviar molts diners i molts disgustos:<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Comprar sense assessorament jur\u00eddic independent.<\/strong> Tenir un advocat propi \u2014diferent del de l&#8217;altra part\u2014 \u00e9s fonamental per verificar la situaci\u00f3 legal de la propietat abans de signar res.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>No verificar la situaci\u00f3 urban\u00edstica de la finca.<\/strong> Especialment en propietats r\u00fastiques, \u00e9s imprescindible comprovar que totes les construccions tenen llic\u00e8ncia i que no hi ha expedients sancionadors oberts.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Subestimar els terminis.<\/strong> Una compravenda a Espanya pot trigar entre sis setmanes i uns quants mesos des de l&#8217;oferta fins a la firma. Planifica amb marge. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>No visiteu la zona en diferents \u00e8poques de l&#8217;any.<\/strong> Mallorca a l&#8217;agost i Mallorca al gener s\u00f3n experi\u00e8ncies molt diferents. Si hi viur\u00e0s o passar llargues temporades, visita-la fora de la temporada tur\u00edstica. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Treballar amb una ag\u00e8ncia sense coneixement local real.<\/strong> El mercat immobiliari de Santany\u00ed no \u00e9s el mateix que el de Palma ni el de Pollen\u00e7a. Un agent que conegui el territori de primera m\u00e0 marca una difer\u00e8ncia enorme en el resultat final. <\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Compra la teva propietat a Mallorca amb qui coneix millor el sud-est de l&#8217;illa<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Comprar una propietat a Mallorca essent estranger \u00e9s perfectament viable. Nom\u00e9s necessites l&#8217;acompanyament adequat: alg\u00fa que conegui el mercat local en profunditat, que parli el teu idioma i que faci anys que treballa colze a colze amb compradors europeus exactament en la teva mateixa situaci\u00f3. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">RE\/MAX Collection Drac fa m\u00e9s de 35 anys que \u00e9s la immobili\u00e0ria de refer\u00e8ncia al sud-est de Mallorca. Han acompanyat centenars de compradors alemanys, austr\u00edacs, su\u00efssos i escandinaus al llarg de tot el proc\u00e9s: des de la primera visita fins a la firma davant notari. Coneixen cada propietat, cada zona i cada detall del mercat de Santany\u00ed i els voltants.  <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Si penses comprar una casa a Mallorca, el primer pas \u00e9s parlar amb alg\u00fa que realment conegui el territori. I aquest alg\u00fa \u00e9s a Santany\u00ed. <\/p>\n<p>&nbsp;<\/p>\n<h3 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">Est\u00e0s pensant en comprar una propietat a Santany\u00ed?<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">A RE\/MAX Drac us assessorem sense comprom\u00eds. Fa m\u00e9s de 35 anys que \u00e9s la immobili\u00e0ria de refer\u00e8ncia al sud-est de Mallorca. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/www.santanyi.net\/ca\/contacte\/\">Contacta&#8217;ns \u2192<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si est\u00e0s pensant a comprar una propietat a Mallorca sent estranger, la bona not\u00edcia \u00e9s que el proc\u00e9s \u00e9s m\u00e9s senzill del que sembla. Espanya no imposa restriccions als ciutadans estrangers per adquirir immobles. Qualsevol persona, sigui resident o no, pot comprar una casa, apartament, vila o finca a Mallorca sense necessitat de perm\u00eds especial. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":172317,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_joinchat":[],"footnotes":""},"categories":[2846],"tags":[],"class_list":["post-172321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guies-i-consells"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ets estranger i vols comprar una casa a Mallorca? Guia completa 2026 - RE\/MAX Drac<\/title>\n<meta name=\"description\" content=\"Ets estranger i vols comprar una casa a Mallorca? Descobreix tot el proc\u00e9s pas a pas: impostos, hipoteques i perqu\u00e8 Santany\u00ed \u00e9s la zona amb m\u00e9s projecci\u00f3. 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