In this guide
15
In short
Up to date as of: October 2026. Conditions and rates checked against official sources on 19 October 2026.
Documents fall into three groups: A — for the IVF application (from the official programme rules), B — for the bank, C — extra for the self-employed. If there are two buyers, you need documents for both. Order certificates valid for three months close to the application date. Your ticks are saved in your browser.
A. For the IVF guarantee application
Per the official 2026 programme rules (article “Octavo”) and the IVF instructions. Submitted online at prestamos.ivf.es.
Not required
Do not attach a negative Cadastre certificate (certificado negativo catastral): the 2026 IVF instructions say so explicitly. The Registry nota de localización proves you own no other home.
Get the full checklist by email
B. For the bank
Banks usually ask for these; confirm the exact list with your bank.
C. Extra for the self-employed
Banks usually ask for these; requirements on how long you have been trading differ between banks — check with yours.
Where to get the documents
- Padrón with history — from the town hall where you are registered, often online with an electronic signature.
- Nota de localización and nota simple — at sede.registradores.org (“Pedir nota de localización” for all of Spain).
- Declaración responsable — template in the e-office and in the “Descargas” section of prestamos.ivf.es.
- Vida laboral — free from the Social Security e-office.
Common mistakes
- The guarantee or loan amount in the form differs from the bank offer — the application is refused and cannot be corrected.
- A mistake in a buyer’s name, surname or ID number.
- Documents for only one of two buyers.
- Expired certificates (older than three months) or an illegible handwritten signature.
- Arras signed by only one party or already expired.
The road to the keys
- Bank — mortgage offer.
- Documents for all buyers.
- Online IVF application.
- IVF decision and bank approval.
- FEIN — at least 10 days before signing.
- Notary: consultation and signing.
How much of your own money do you really need?
Want to know how much of your own money you actually need? Tairix Invest will work out your case: price, taxes, costs and the mortgage share. We do not promise approval or specific rates — those are set by the bank.
We can guide you through getting a mortgage
Tairix Invest helps you prepare for a mortgage and supports the purchase:
- working out how much of your own money you really need
- finding a property that fits the programme rules
- preparing and checking documents
- help with the IVF guarantee application
- support with the purchase up to the notary
Terms for support and help with documents are agreed individually.
We are not a credit intermediary and do not promise approval: the bank decides on the mortgage.
Download the mortgage document checklist
Frequently asked questions
Do I need a negative Cadastre certificate?
No. The 2026 IVF instructions explicitly say not to attach it; use the Property Registry nota de localización instead.
How long are the certificates valid?
The padrón certificate and nota de localización must be no older than three months on the application date.
What if there are two buyers?
You need documents for both, and all buyers sign the declaración responsable.
Can I correct the application after sending it?
Not the form: mistakes in buyer details or amounts lead to refusal and a new application. The IVF may request missing documents with 10 working days to reply.
Where can I ask about the programme?
The IVF lists financiacion@ivf.es and the prestamos.ivf.es website. Loan terms are discussed with a participating bank.
All mortgage guides
Important
This information is for general guidance and is not financial advice. The final mortgage decision is made by the bank.
Free guides. Professional support.
These materials are free to read. Contact Irina and Tairix Invest for property searches and purchase or rental support. Service scope and fees are agreed before work starts.
Irina · Iryna Drahaliova is an API Alicante (APIAL) member, no. A599. Registered in the Comunitat Valenciana real estate agent register: RAICV 5885.
Office: Calle Patricio Pérez, 131, Torrevieja. Visits by appointment.