{"id":76,"date":"2026-07-09T16:41:40","date_gmt":"2026-07-09T14:41:40","guid":{"rendered":"https:\/\/lagunaone-mijas.com\/?page_id=76"},"modified":"2026-07-09T18:12:39","modified_gmt":"2026-07-09T16:12:39","slug":"buyer-due-diligence","status":"publish","type":"page","link":"https:\/\/lagunaone-mijas.com\/de\/buyer-due-diligence\/","title":{"rendered":"Leitfaden zur K\u00e4ufer-Due-Diligence"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Last updated: July 2026<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buying an off-plan apartment in Spain can be a good opportunity, but buyers should always complete proper due diligence before signing any document or making any payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains the main checks buyers should consider before purchasing an off-plan apartment at Laguna One Mijas or any similar new-build project in Spain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This website is an independent informational and marketing website. It does not provide legal, financial, tax or investment advice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Due Diligence Matters<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Off-plan property means the home is purchased before construction is fully completed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because the property is not yet finished, buyers should carefully verify the legal status, purchase conditions, payment protection, delivery terms, specifications and contract documents before committing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In Spain, advance payments for off-plan homes are generally expected to be protected through bank guarantees or insurance under the applicable legal framework, but buyers should verify the exact protection in their own contract with an independent lawyer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Use an Independent Lawyer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before signing a reservation agreement or private purchase contract, buyers should appoint an independent Spanish lawyer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The lawyer should not simply represent the seller, promoter or commercial party. Their role should be to protect the buyer\u2019s interests.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An independent lawyer can help verify:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Legal status of the project<\/li>\n\n\n\n<li>Building licence<\/li>\n\n\n\n<li>Ownership and title<\/li>\n\n\n\n<li>Contract terms<\/li>\n\n\n\n<li>Payment schedule<\/li>\n\n\n\n<li>Bank guarantees or insurance<\/li>\n\n\n\n<li>Taxes and purchase costs<\/li>\n\n\n\n<li>Delivery date conditions<\/li>\n\n\n\n<li>Buyer rights if the project changes or is delayed<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2. Verify the Building Licence<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before purchasing an off-plan property, buyers should confirm that the project has the correct building licence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For Laguna One Mijas, the project information states that the building licence is granted, but buyers should still verify this through official documentation before signing or paying.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ask your lawyer to check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Building licence status<\/li>\n\n\n\n<li>Licence reference<\/li>\n\n\n\n<li>Approved project documentation<\/li>\n\n\n\n<li>Whether the unit you are buying matches the approved plans<\/li>\n\n\n\n<li>Whether there are any conditions attached to the licence<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. Confirm Payment Guarantees<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Off-plan buyers should confirm how advance payments are protected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your lawyer should verify whether stage payments are covered by a valid bank guarantee or insurance policy, and whether the guarantee clearly protects the amounts paid before completion. Spanish legal sources commonly highlight guarantees or insurance as a key protection for off-plan buyers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Who issues the guarantee<\/li>\n\n\n\n<li>What amount is covered<\/li>\n\n\n\n<li>Whether VAT is included<\/li>\n\n\n\n<li>When the guarantee is delivered<\/li>\n\n\n\n<li>Whether the guarantee is individual or general<\/li>\n\n\n\n<li>What happens if construction is delayed or not completed<\/li>\n\n\n\n<li>How the buyer can claim if needed<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Do not rely only on verbal confirmation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Check the Payment Schedule<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Buyers should understand exactly when each payment is due.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For off-plan property, payments are usually made in stages before completion, with the final balance paid at notary. However, each project can have different conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before signing, confirm:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reservation amount<\/li>\n\n\n\n<li>Payment due on private purchase contract<\/li>\n\n\n\n<li>Intermediate stage payments<\/li>\n\n\n\n<li>Final payment at completion<\/li>\n\n\n\n<li>VAT and other taxes<\/li>\n\n\n\n<li>Whether payments are refundable or non-refundable<\/li>\n\n\n\n<li>What happens if the buyer cannot complete<\/li>\n\n\n\n<li>What happens if the seller delays completion<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">5. Confirm Exactly What Is Included<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Buyers should not assume that everything shown in renders or brochures is included.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before signing, confirm in writing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apartment type<\/li>\n\n\n\n<li>Floor<\/li>\n\n\n\n<li>Orientation<\/li>\n\n\n\n<li>Built area<\/li>\n\n\n\n<li>Usable area<\/li>\n\n\n\n<li>Terrace area<\/li>\n\n\n\n<li>Parking space<\/li>\n\n\n\n<li>Storage room, if any<\/li>\n\n\n\n<li>Kitchen equipment<\/li>\n\n\n\n<li>Bathroom fittings<\/li>\n\n\n\n<li>Air conditioning or climate system<\/li>\n\n\n\n<li>Furniture, if any<\/li>\n\n\n\n<li>Communal facilities<\/li>\n\n\n\n<li>Any optional extras<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Furniture, decoration, plants, artwork and lifestyle items shown in renders may not be included unless confirmed in official contract documentation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Review Taxes and Purchase Costs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Buying a new-build property in Spain usually involves taxes and additional costs on top of the purchase price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For new-build homes in Spain, buyers typically need to consider VAT and stamp duty, plus legal, notary, registry and mortgage-related costs where applicable. Buyer costs should be confirmed with a lawyer or tax adviser before purchase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buyers should check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>VAT<\/li>\n\n\n\n<li>Stamp duty<\/li>\n\n\n\n<li>Legal fees<\/li>\n\n\n\n<li>Notary fees<\/li>\n\n\n\n<li>Land Registry fees<\/li>\n\n\n\n<li>Mortgage costs, if financing<\/li>\n\n\n\n<li>Bank valuation costs<\/li>\n\n\n\n<li>Community fees after completion<\/li>\n\n\n\n<li>Utility connection costs<\/li>\n\n\n\n<li>Non-resident tax obligations, if applicable<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">7. Confirm Delivery Date Conditions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An estimated completion date is not the same as a guaranteed delivery date.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For Laguna One Mijas, the estimated completion is currently stated as Q4 2028, but buyers should verify the official delivery conditions in the contract.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ask your lawyer to review:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Estimated delivery date<\/li>\n\n\n\n<li>Long-stop date, if any<\/li>\n\n\n\n<li>Grace periods<\/li>\n\n\n\n<li>Delay clauses<\/li>\n\n\n\n<li>Buyer rights if delivery is delayed<\/li>\n\n\n\n<li>Compensation or cancellation rights<\/li>\n\n\n\n<li>Force majeure clauses<\/li>\n\n\n\n<li>What documentation must be completed before handover<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">8. Review Cancellation Clauses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before signing, buyers should understand when they can cancel and what happens to money already paid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ask your lawyer to explain:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Can the buyer cancel after reservation?<\/li>\n\n\n\n<li>Is the reservation deposit refundable?<\/li>\n\n\n\n<li>What happens if mortgage approval fails?<\/li>\n\n\n\n<li>What happens if the seller delays completion?<\/li>\n\n\n\n<li>What happens if the project changes?<\/li>\n\n\n\n<li>What penalties apply if the buyer does not complete?<\/li>\n\n\n\n<li>How disputes are resolved?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Never assume cancellation rights are automatic.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">9. Confirm What Happens if Plans or Specifications Change<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Off-plan developments may change during construction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The contract should explain what happens if there are changes to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apartment layout<\/li>\n\n\n\n<li>Surface areas<\/li>\n\n\n\n<li>Materials<\/li>\n\n\n\n<li>Finishes<\/li>\n\n\n\n<li>Communal areas<\/li>\n\n\n\n<li>Building design<\/li>\n\n\n\n<li>Delivery date<\/li>\n\n\n\n<li>Technical specifications<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ask whether substitutions must be of equal or superior quality and whether buyers have any rights if changes are significant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">10. Review All Documents Before Signing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before making a purchase decision, buyers should review all relevant official documents with their lawyer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reservation agreement<\/li>\n\n\n\n<li>Private purchase contract<\/li>\n\n\n\n<li>Building licence<\/li>\n\n\n\n<li>Official plans<\/li>\n\n\n\n<li>Technical specifications<\/li>\n\n\n\n<li>Payment schedule<\/li>\n\n\n\n<li>Bank guarantee or insurance documentation<\/li>\n\n\n\n<li>Developer\/seller identification<\/li>\n\n\n\n<li>Land registry information<\/li>\n\n\n\n<li>Tax information<\/li>\n\n\n\n<li>Community information, where available<\/li>\n\n\n\n<li>Completion and handover conditions<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Buyer Checklist Before Paying<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Use this quick checklist before sending money or signing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Independent lawyer appointed<\/li>\n\n\n\n<li>Building licence verified<\/li>\n\n\n\n<li>Project ownership checked<\/li>\n\n\n\n<li>Payment guarantee confirmed<\/li>\n\n\n\n<li>Payment schedule understood<\/li>\n\n\n\n<li>Taxes and purchase costs reviewed<\/li>\n\n\n\n<li>Exact unit, floor and layout confirmed<\/li>\n\n\n\n<li>Parking and extras confirmed<\/li>\n\n\n\n<li>Specifications checked<\/li>\n\n\n\n<li>Delivery date conditions reviewed<\/li>\n\n\n\n<li>Cancellation clauses understood<\/li>\n\n\n\n<li>Contract reviewed before signature<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Important Notice<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This guide is for general information only.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is not legal advice, financial advice, tax advice or investment advice. Buyers should always rely on official documentation and independent professional advice before purchasing any property.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Contact<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For current Laguna One Mijas prices, availability, floor plans and purchasing information, contact us directly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>WhatsApp:<\/strong> +34 602 11 99 19<br><strong>Email:<\/strong> <a>sales@lagunaone-mijas.com<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Last updated: July 2026 Buying an off-plan apartment in Spain can be a good opportunity, but buyers should always complete proper due diligence before signing any document or making any payment. This guide explains the main checks buyers should consider before purchasing an off-plan apartment at Laguna One Mijas or any similar new-build project in [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-76","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Buyer Due Diligence Guide | Laguna One Mijas<\/title>\n<meta name=\"description\" content=\"Learn what buyers should verify before purchasing an off-plan apartment in Mijas, including legal checks, payment guarantees, licences &amp; contract documents.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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