{"id":21574,"date":"2026-03-04T20:17:18","date_gmt":"2026-03-04T19:17:18","guid":{"rendered":"https:\/\/brokla.com\/?page_id=21574"},"modified":"2026-06-07T12:58:28","modified_gmt":"2026-06-07T10:58:28","slug":"onroerend-goed-kopen-in-spanje-als-amerikaan","status":"publish","type":"page","link":"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/","title":{"rendered":"Onroerend goed kopen in Spanje als Amerikaan of Canadees: De Definitieve Gids 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong><em>Buying Property in Spain as an American<\/em><\/strong> &#8211; The landscape for North American buyers in Spain has fundamentally shifted as we move through <strong>2026<\/strong>. Between the full implementation of the EU&#8217;s digital border systems and a landmark court ruling on non-resident taxes, the &#8220;old rules&#8221; no longer apply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are a citizen of the United States or Canada looking to secure a home in the Costa Blanca\u2014whether it\u2019s a luxury villa in <strong>Finestrat<\/strong> or a coastal retreat in <strong>Villajoyosa<\/strong>\u2014this guide provides the technical and financial framework you need to succeed.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"brokla-key-takeaways\" style=\"background:#f4f8fb;border-left:4px solid #1a7ab8;padding:18px 22px;margin:24px 0;border-radius:6px;\">\n<p style=\"margin:0 0 10px;font-weight:700;font-size:1.05em;\">Key Takeaways<\/p>\n<ul style=\"margin:0;padding-left:20px;\">\n<li><strong>The Costa Blanca remains undervalued<\/strong> versus US coastal markets like Florida and California &mdash; a strong portfolio diversifier.<\/li>\n<li><strong>For residency visas you need a Spanish private health policy with no co-payments<\/strong> (sin copagos); US\/Canadian insurance is not accepted.<\/li>\n<li><strong>Plusval&iacute;a<\/strong> is a local town-hall tax on the land-value increase, payable when you sell &mdash; factor it into your exit strategy.<\/li>\n<li><strong>Brokla charges zero buyer commission<\/strong> (the firm is paid by the seller).<\/li>\n<li><strong>Stay ahead of EES, IPREM and tax-court updates<\/strong> that specifically affect North American buyers.<\/li>\n<\/ul>\n<\/div>\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle tabel met inhoud\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#1_The_2026_Reality_Can_You_Still_Buy\" >1. The 2026 Reality: Can You Still Buy?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#The_%E2%80%9C100_Tax%E2%80%9D_Rumor_Fact_Check\" >The &#8220;100% Tax&#8221; Rumor: Fact Check<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#2_Major_2026_Tax_Update_Deductions_for_North_Americans\" >2. Major 2026 Tax Update: Deductions for North Americans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#3_Visas_Residency_Life_After_the_Golden_Visa\" >3. Visas &amp; Residency: Life After the Golden Visa<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#The_90-Day_Rule_The_EES_System\" >The 90-Day Rule &amp; The EES System<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#Residency_Options_for_2026\" >Residency Options for 2026<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#4_Financing_Spanish_Mortgages_for_Non-Residents\" >4. Financing: Spanish Mortgages for Non-Residents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#5_Logistics_Getting_to_the_Costa_Blanca\" >5. Logistics: Getting to the Costa Blanca<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#Best_1-Stop_Routes_to_Alicante\" >Best 1-Stop Routes to Alicante:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#6_The_Essential_%E2%80%9CAmericanCanadian%E2%80%9D_Checklist\" >6. The Essential &#8220;American\/Canadian&#8221; Checklist<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#7_Frequently_Asked_Questions_FAQ\" >7. Frequently Asked Questions (FAQ)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#Is_property_in_Spain_a_good_investment_for_Americans_in_2026\" >Is property in Spain a good investment for Americans in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#Can_I_use_my_USCanadian_Health_Insurance\" >Can I use my US\/Canadian Health Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#What_is_the_%E2%80%9CPlusvalia%E2%80%9D_tax\" >What is the &#8220;Plusval\u00eda&#8221; tax?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/brokla.com\/nl\/onroerend-goed-kopen-in-spanje-als-amerikaan\/#Why_Choose_Brokla\" >Why Choose Brokla?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_The_2026_Reality_Can_You_Still_Buy\"><\/span><strong>1. The 2026 Reality: Can You Still Buy?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yes.<\/strong> US and Canadian citizens retain full rights to purchase real estate in Spain. There are no national restrictions on foreign ownership.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_%E2%80%9C100_Tax%E2%80%9D_Rumor_Fact_Check\"><\/span><strong>The &#8220;100% Tax&#8221; Rumor: Fact Check<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In early 2025, a draft proposal made headlines regarding a &#8220;100% purchase tax&#8221; for non-EU buyers. <strong>As of March 2026, this proposal has NOT become law.<\/strong> While the Spanish government continues to debate measures to cool the housing market in high-density areas, the current tax rate for North Americans remains at the standard <strong>10% IVA (New Build)<\/strong> or <strong>6-10% ITP (Resale)<\/strong>. At Brokla, we monitor these legislative updates daily to protect our clients&#8217; investments.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Major_2026_Tax_Update_Deductions_for_North_Americans\"><\/span><strong>2. Major 2026 Tax Update: Deductions for North Americans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is the most significant financial change in a decade. Traditionally, Americans and Canadians were taxed at a flat <strong>24% on gross rental income<\/strong> with zero deductions allowed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The 2025\/2026 Shift:<\/strong> Following the <strong>Spanish National High Court ruling (SAN 3630\/2025)<\/strong>, the Spanish tax authority (Hacienda) can no longer discriminate against non-EU residents regarding rental expenses.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Benefit:<\/strong> You can now deduct mortgage interest, property management fees, repairs, and insurance from your Spanish rental income.<\/li>\n\n\n\n<li><strong>The Result:<\/strong> Your effective tax rate is drastically reduced, bringing your ROI closer to that of an EU resident.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1365\" height=\"768\" src=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Villa-for-Sale-in-Finestrat-07.jpg\" alt=\"Buying Property in Spain as an American or Canadian: The 2026 Definitive Guide\" class=\"wp-image-21455\" style=\"aspect-ratio:16\/9;object-fit:cover\" title=\"\" srcset=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Villa-for-Sale-in-Finestrat-07.jpg 1365w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Luxury-Villa-for-Sale-in-Finestrat-07-18x10.jpg 18w\" sizes=\"(max-width: 1365px) 100vw, 1365px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Visas_Residency_Life_After_the_Golden_Visa\"><\/span><strong>3. Visas &amp; Residency: Life After the Golden Visa<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With the <strong>Golden Visa officially ended in April 2025<\/strong>, North Americans must choose a specific residency path if they wish to stay longer than 90 days.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_90-Day_Rule_The_EES_System\"><\/span><strong>The 90-Day Rule &amp; The EES System<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you don&#8217;t seek residency, you are limited to the <strong>90\/180-day rule<\/strong>. In 2026, this is enforced by the <strong>Entry\/Exit System (EES)<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No more manual stamps:<\/strong> Biometric kiosks at Alicante (ALC) and Madrid (MAD) track your days to the second.<\/li>\n\n\n\n<li><strong>Overstaying:<\/strong> Even a 24-hour overstay can trigger an automated ban from the entire Schengen Area.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Residency_Options_for_2026\"><\/span><strong>Residency Options for 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Visa Path<\/strong><\/td><td><strong>2026 Income Requirement (Single)<\/strong><\/td><td><strong>Best For<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Non-Lucrative Visa (NLV)<\/strong><\/td><td><strong>\u20ac2,880 \/ month<\/strong> (400% IPREM)<\/td><td>Retirees &amp; Passive Income earners.<\/td><\/tr><tr><td><strong>Digital Nomad Visa (DNV)<\/strong><\/td><td><strong>\u20ac2,849 \/ month<\/strong> (200% SMI)<\/td><td>Remote workers &amp; Freelancers.<\/td><\/tr><tr><td><strong>Beckham Law<\/strong><\/td><td>N\/A<\/td><td>High-earning expats (Flat 24% tax).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Financing_Spanish_Mortgages_for_Non-Residents\"><\/span><strong>4. Financing: Spanish Mortgages for Non-Residents<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Spanish banks view North American buyers as &#8220;high-quality&#8221; clients due to the strength of the USD\/CAD and transparent credit reporting.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>LTV (Loan-to-Value):<\/strong> Expect a maximum of <strong>60-70%<\/strong>.<\/li>\n\n\n\n<li><strong>Rates:<\/strong> In March 2026, fixed rates range between <strong>3.2% and 4.2%<\/strong> for qualified US\/Canadian applicants.<\/li>\n\n\n\n<li><strong>The &#8220;Apostille&#8221; Requirement:<\/strong> All US\/Canadian documents (IRS\/CRA returns, pay stubs) must have an <strong>Apostille of the Hague<\/strong> and a sworn Spanish translation. This process usually takes 4-6 weeks\u2014factor this into your timeline!<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Logistics_Getting_to_the_Costa_Blanca\"><\/span><strong>5. Logistics: Getting to the Costa Blanca<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While there are still no direct flights from North America to Alicante (ALC) as of 2026, the connection routes have never been more efficient.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_1-Stop_Routes_to_Alicante\"><\/span><strong>Best 1-Stop Routes to Alicante:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Via Madrid\/Barcelona (Iberia\/American Airlines):<\/strong> Best for East Coast (JFK\/MIA) and Toronto (YYZ) buyers.<\/li>\n\n\n\n<li><strong>Via Reykjavik (Icelandair):<\/strong> A popular &#8220;northern route&#8221; for Canadians, offering quick connections to ALC.<\/li>\n\n\n\n<li><strong>Via Zurich\/Frankfurt (Swiss\/Lufthansa):<\/strong> The most reliable service for West Coast buyers (LAX\/SFO\/YVR).<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"2560\" height=\"1920\" src=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Villajoyosa-scaled.jpg\" alt=\"Villajoyosa Real Estate 2026\" class=\"wp-image-21443\" style=\"aspect-ratio:16\/9;object-fit:cover\" title=\"\" srcset=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Villajoyosa-scaled.jpg 2560w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Villajoyosa-1536x1152.jpg 1536w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Villajoyosa-2048x1536.jpg 2048w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Villajoyosa-16x12.jpg 16w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/Villajoyosa-584x438.jpg 584w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_The_Essential_%E2%80%9CAmericanCanadian%E2%80%9D_Checklist\"><\/span><strong>6. The Essential &#8220;American\/Canadian&#8221; Checklist<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To ensure a smooth closing, you must execute these steps in order:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>NIE Number:<\/strong> Apply via the Spanish Consulate in your home city (Chicago, Toronto, LA, etc.) <em>before<\/em> you fly. (Link: <a href=\"https:\/\/www.google.com\/search?q=https:\/\/brokla.com\/nie-number-spain-2026-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">Our 2026 NIE Guide<\/a>).<\/li>\n\n\n\n<li><strong>Spanish Bank Account:<\/strong> Required for your mortgage and utility direct debits. (Link: <a href=\"https:\/\/brokla.com\/opening-a-spanish-bank-account-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">Opening a Bank Account<\/a>).<\/li>\n\n\n\n<li><strong>Currency Broker:<\/strong> Do not use your local US\/Canadian bank to send funds. Use a specialist to save up to 3% on the exchange rate.<\/li>\n\n\n\n<li><strong>Surveyor:<\/strong> Unlike the US\/Canada, &#8220;home inspections&#8221; are not standard in Spain. At Brokla, we always recommend a private survey to check for structural integrity and dampness.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/seascape_blue_zonas_comunes_1-1.png\" alt=\"brand new properties for sale in Costa Blanca\" class=\"wp-image-21372\" style=\"aspect-ratio:16\/9;object-fit:cover\" title=\"\" srcset=\"https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/seascape_blue_zonas_comunes_1-1.png 1920w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/seascape_blue_zonas_comunes_1-1-1536x864.png 1536w, https:\/\/brokla.com\/wp-content\/uploads\/2026\/02\/seascape_blue_zonas_comunes_1-1-18x10.png 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Frequently_Asked_Questions_FAQ\"><\/span><strong>7. Frequently Asked Questions (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_property_in_Spain_a_good_investment_for_Americans_in_2026\"><\/span><strong>Is property in Spain a good investment for Americans in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Despite higher interest rates globally, the Costa Blanca remains undervalued compared to US coastal real estate (Florida\/California). The combination of lower property taxes and the new ability to deduct rental expenses makes it a strong portfolio diversifier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_use_my_USCanadian_Health_Insurance\"><\/span><strong>Can I use my US\/Canadian Health Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. For residency visas, you must have a Spanish private policy with &#8220;no co-payments&#8221; (<em>sin copagos<\/em>). Once you are a resident, you may eventually access the public system.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_%E2%80%9CPlusvalia%E2%80%9D_tax\"><\/span><strong>What is the &#8220;Plusval\u00eda&#8221; tax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is a local tax paid to the Town Hall when you sell. It is based on the increase in the value of the land. In 2026, calculations are more transparent, but it is still a cost to factor into your &#8220;exit strategy.&#8221;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Choose_Brokla\"><\/span><strong>Why Choose Brokla?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Buying property 4,000 miles from home requires a partner who understands both the local Alicante market and the specific needs of North American investors.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zero Buyer Commission:<\/strong> We are paid by the seller, ensuring our search services for you are completely free.<\/li>\n\n\n\n<li><strong>2026 Expertise:<\/strong> We stay ahead of the EES, IPREM updates, and tax court rulings so you don&#8217;t have to.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ready to find your Mediterranean home? <a href=\"https:\/\/brokla.com\/contact-costa-blanca-real-estate\/\" data-type=\"page\" data-id=\"16941\">Contact our North American Desk<\/a> for a personalized consultation and a list of off-market properties in Finestrat and Altea.<\/strong><\/p>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is property in Spain a good investment for Americans in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Despite higher global interest rates, the Costa Blanca remains undervalued compared with US coastal real estate in Florida or California. Lower property taxes and the ability to deduct rental expenses make it a strong portfolio diversifier.\"}},{\"@type\":\"Question\",\"name\":\"Can I use my US or Canadian health insurance in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. For residency visas you must hold a Spanish private policy with no co-payments (sin copagos). Once you are a resident, you may eventually access the public health system.\"}},{\"@type\":\"Question\",\"name\":\"What is the Plusvalia tax?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Plusvalia is a local tax paid to the Town Hall when you sell, based on the increase in the value of the land during your ownership. In 2026 the calculation is more transparent, but it remains a cost to factor into your exit strategy.\"}}]}<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Buying Property in Spain as an American &#8211; The landscape for North American buyers in Spain has fundamentally shifted as we move through 2026. Between the full implementation of the EU&#8217;s digital border systems and a landmark court ruling on non-resident taxes, the &#8220;old rules&#8221; no longer apply. If you are a citizen of the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21575,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"googlesitekit_rrm_CAowzI3FDA:productID":"","footnotes":""},"class_list":["post-21574","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/brokla.com\/nl\/wp-json\/wp\/v2\/pages\/21574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/brokla.com\/nl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/brokla.com\/nl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/brokla.com\/nl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/brokla.com\/nl\/wp-json\/wp\/v2\/comments?post=21574"}],"version-history":[{"count":0,"href":"https:\/\/brokla.com\/nl\/wp-json\/wp\/v2\/pages\/21574\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/brokla.com\/nl\/wp-json\/wp\/v2\/media\/21575"}],"wp:attachment":[{"href":"https:\/\/brokla.com\/nl\/wp-json\/wp\/v2\/media?parent=21574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}