{"id":3479,"date":"2026-03-30T16:14:04","date_gmt":"2026-03-30T16:14:04","guid":{"rendered":"https:\/\/lafodi.com\/?p=3479"},"modified":"2026-06-22T12:27:19","modified_gmt":"2026-06-22T10:27:19","slug":"geldoverdracht-bij-aankoop-van-onroerend-goed-in-spanje","status":"publish","type":"post","link":"https:\/\/lafodi.com\/nl\/penzatutalas-ingatlanvasarlas-spanyolorszag\/","title":{"rendered":"Hoe verloopt de betaling en de wisselkoers bij de aankoop van onroerend goed in Spanje? (2026)"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3479\" class=\"elementor elementor-3479\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64e7c53d e-flex e-con-boxed e-con e-parent\" data-id=\"64e7c53d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5950e973 elementor-widget elementor-widget-text-editor\" data-id=\"5950e973\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"219\" data-end=\"310\">Een van de belangrijkste aspecten bij de aankoop van onroerend goed in Spanje is de wijze van betaling en de veiligheid daarvan.<\/p>\r\n<p data-start=\"312\" data-end=\"393\">Veel mensen maken zich zorgen over de manier waarop de geldoverdracht in het buitenland verloopt.<\/p>\r\n<p data-start=\"395\" data-end=\"490\">De realiteit is dat het proces goed gereguleerd en veilig is, mits het op de juiste manier wordt uitgevoerd.<\/p>\r\n<p data-start=\"395\" data-end=\"490\">Een van de basisvereisten voor de administratieve afhandeling van een aankoop is het NIE-nummer. Meer hierover<em><a href=\"https:\/\/lafodi.com\/nl\/wat-is-een-nie-nummer-en-waarom-is-het-nodig-bij-de-aankoop-van-onroerend-goed-in-spanje-in-2026\/\"> dat kun je hier lezen.<\/a><\/em><\/p>\r\n\r\n\r\n<hr data-start=\"492\" data-end=\"495\" \/>\r\n\r\n<h2 data-section-id=\"rs68vc\" data-start=\"497\" data-end=\"534\">Hoe verloopt het betalingsproces?<\/h2>\r\n<p data-start=\"536\" data-end=\"588\">De betaling vindt in meerdere stappen plaats, niet in \u00e9\u00e9n keer.<\/p>\r\n\r\n\r\n<hr data-start=\"590\" data-end=\"593\" \/>\r\n\r\n<h2 data-section-id=\"1ezfnsj\" data-start=\"595\" data-end=\"621\">1. Aanbetaling (reservering)<\/h2>\r\n<p data-start=\"623\" data-end=\"676\">De eerste stap is meestal het storten van een klein bedrag.<\/p>\r\n<p data-start=\"678\" data-end=\"681\">Dit:<\/p>\r\n\r\n<ul data-start=\"683\" data-end=\"746\">\r\n \t<li data-section-id=\"1pnec58\" data-start=\"683\" data-end=\"710\">legt beslag op het onroerend goed<\/li>\r\n \t<li data-section-id=\"gt83yy\" data-start=\"711\" data-end=\"746\">duidt op een serieuze koopintentie<\/li>\r\n<\/ul>\r\n<p data-start=\"748\" data-end=\"788\">Dit bedrag bedraagt doorgaans enkele duizend euro.<\/p>\r\n\r\n\r\n<hr data-start=\"790\" data-end=\"793\" \/>\r\n\r\n<h2 data-section-id=\"1xf8mc7\" data-start=\"795\" data-end=\"834\">2. Voorlopige overeenkomst en grotere aanbetaling<\/h2>\r\n<p data-start=\"836\" data-end=\"884\">De volgende stap is de uitbetaling van een groter bedrag.<\/p>\r\n<p data-start=\"886\" data-end=\"900\">Dit is doorgaans:<\/p>\r\n\r\n<ul data-start=\"902\" data-end=\"945\">\r\n \t<li data-section-id=\"1thqius\" data-start=\"902\" data-end=\"925\">een deel van de aankoopprijs<\/li>\r\n \t<li data-section-id=\"1aisjmq\" data-start=\"926\" data-end=\"945\">vaak ongeveer 10%<\/li>\r\n<\/ul>\r\n<p data-start=\"947\" data-end=\"1001\">Op dat moment wordt ook de gedetailleerde overeenkomst vastgelegd.<\/p>\r\n\r\n\r\n<hr data-start=\"1003\" data-end=\"1006\" \/>\r\n\r\n<h2 data-section-id=\"1v749l5\" data-start=\"1008\" data-end=\"1044\">3. Definitieve betaling bij de notaris<\/h2>\r\n<p data-start=\"1046\" data-end=\"1126\">Het resterende deel van de totale koopprijs wordt in aanwezigheid van de notaris (notario) betaald.<\/p>\r\n<p data-start=\"1128\" data-end=\"1141\">Dit kan gebeuren:<\/p>\r\n\r\n<ul data-start=\"1143\" data-end=\"1196\">\r\n \t<li data-section-id=\"lgt9si\" data-start=\"1143\" data-end=\"1164\">via bankoverschrijving<\/li>\r\n \t<li data-section-id=\"1485p6b\" data-start=\"1165\" data-end=\"1196\">met een bankcheque (bank cheque)<\/li>\r\n<\/ul>\r\n<p data-start=\"1198\" data-end=\"1236\">Dit is de offici\u00eble afronding van de aankoop. Voor de betaling geldt doorgaans <em><a href=\"https:\/\/lafodi.com\/nl\/heb-je-in-2026-een-spaanse-bankrekening-nodig-om-een-woning-in-spanje-te-kopen\/\">Er is ook een Spaanse bankrekening nodig.<\/a><\/em><\/p>\r\n\r\n\r\n<hr data-start=\"1238\" data-end=\"1241\" \/>\r\n\r\n<h2 data-section-id=\"11n7fss\" data-start=\"1243\" data-end=\"1275\">Hoe wordt het salaris uitbetaald?<\/h2>\r\n<p data-start=\"1277\" data-end=\"1318\">De veiligheid van het proces wordt bepaald door verschillende factoren:<\/p>\r\n\r\n<ul data-start=\"1320\" data-end=\"1390\">\r\n \t<li data-section-id=\"49eb91\" data-start=\"1320\" data-end=\"1342\">controle door een advocaat<\/li>\r\n \t<li data-section-id=\"9hrb3j\" data-start=\"1343\" data-end=\"1366\">contractuele bescherming<\/li>\r\n \t<li data-section-id=\"1sx5r2d\" data-start=\"1367\" data-end=\"1390\">in aanwezigheid van een notaris<\/li>\r\n<\/ul>\r\n<p data-start=\"1392\" data-end=\"1442\">Daarom vindt er geen betaling \u201evan hand tot hand\u201d plaats.<\/p>\r\n\r\n\r\n<hr data-start=\"1444\" data-end=\"1447\" \/>\r\n\r\n<h2 data-section-id=\"yswjh4\" data-start=\"1449\" data-end=\"1471\">Waar moet je op letten?<\/h2>\r\n<ul data-start=\"1473\" data-end=\"1592\">\r\n \t<li data-section-id=\"nsge9d\" data-start=\"1473\" data-end=\"1510\">elke betaling moet worden gedocumenteerd<\/li>\r\n \t<li data-section-id=\"svltl3\" data-start=\"1511\" data-end=\"1553\">Maak geen rechtstreekse overschrijving naar een onbekende partij<\/li>\r\n \t<li data-section-id=\"1r8l12r\" data-start=\"1554\" data-end=\"1592\">het hele proces moet transparant zijn<\/li>\r\n<\/ul>\r\n\r\n<hr data-start=\"1594\" data-end=\"1597\" \/>\r\n\r\n<h2 data-section-id=\"10pj47\" data-start=\"1599\" data-end=\"1614\">Veelvoorkomende fout<\/h2>\r\n<p data-start=\"1616\" data-end=\"1687\">Veel mensen begrijpen de betalingsstappen niet helemaal en voelen zich daardoor onzeker.<\/p>\r\n<p data-start=\"1689\" data-end=\"1757\">Dit kan onnodige stress veroorzaken in een proces dat verder goed verloopt.<\/p>\r\n\r\n\r\n<hr data-start=\"1759\" data-end=\"1762\" \/>\r\n\r\n<h2 data-section-id=\"6zrw6\" data-start=\"1764\" data-end=\"1783\">Het is belangrijk om dit te verduidelijken<\/h2>\r\n<p data-start=\"1785\" data-end=\"1840\">De betaling vindt niet in \u00e9\u00e9n keer plaats, maar in verschillende fasen.<\/p>\r\n<p data-start=\"1842\" data-end=\"1879\">Dit biedt zowel de koper als de verkoper bescherming.<\/p>\r\n\r\n\r\n<hr data-start=\"1881\" data-end=\"1884\" \/>\r\n\r\n<h2 data-section-id=\"bzpk9t\" data-start=\"213\" data-end=\"244\">Hoe zit het met de omrekening?<\/h2>\r\n<p data-start=\"246\" data-end=\"339\">Als het geld niet in euro\u2019s beschikbaar is, moet er v\u00f3\u00f3r de aankoop een valutawissel plaatsvinden.<\/p>\r\n<p data-start=\"341\" data-end=\"354\">Dit is meestal:<\/p>\r\n\r\n<ul data-start=\"356\" data-end=\"400\">\r\n \t<li data-section-id=\"1owhh37\" data-start=\"356\" data-end=\"373\">forint \u2192 euro<\/li>\r\n \t<li data-section-id=\"17rz746\" data-start=\"374\" data-end=\"400\">of een andere valuta \u2192 euro<\/li>\r\n<\/ul>\r\n\r\n<hr data-start=\"402\" data-end=\"405\" \/>\r\n\r\n<h2 data-section-id=\"1mvbr4u\" data-start=\"407\" data-end=\"438\">Hoe verloopt de omwisseling?<\/h2>\r\n<p data-start=\"440\" data-end=\"459\">Er zijn verschillende mogelijkheden:<\/p>\r\n\r\n<ul data-start=\"461\" data-end=\"526\">\r\n \t<li data-section-id=\"1eumbmj\" data-start=\"461\" data-end=\"481\">via de bank<\/li>\r\n \t<li data-section-id=\"1h0uf8t\" data-start=\"482\" data-end=\"526\">via online financi\u00eble dienstverleners<\/li>\r\n<\/ul>\r\n<p data-start=\"528\" data-end=\"597\">De keuze is niet onbelangrijk, want de wisselkoersen en kosten kunnen verschillen.<\/p>\r\n\r\n\r\n<hr data-start=\"599\" data-end=\"602\" \/>\r\n\r\n<h2 data-section-id=\"yswjh4\" data-start=\"604\" data-end=\"626\">Waar moet je op letten?<\/h2>\r\n<ul data-start=\"628\" data-end=\"779\">\r\n \t<li data-section-id=\"1p1dfpe\" data-start=\"628\" data-end=\"668\">het wisselkoersverschil kan aanzienlijk zijn<\/li>\r\n \t<li data-section-id=\"18uoyb5\" data-start=\"669\" data-end=\"725\">banken wisselen vaak tegen een minder gunstige wisselkoers<\/li>\r\n \t<li data-section-id=\"1jfpd3r\" data-start=\"726\" data-end=\"779\">bij grotere bedragen kan dit een aanzienlijk verschil betekenen<\/li>\r\n<\/ul>\r\n\r\n<hr data-start=\"781\" data-end=\"784\" \/>\r\n\r\n<h2 data-section-id=\"10pj47\" data-start=\"786\" data-end=\"801\">Veelvoorkomende fout<\/h2>\r\n<p data-start=\"803\" data-end=\"859\">Veel mensen regelen de omwisseling pas op het laatste moment.<\/p>\r\n<p data-start=\"861\" data-end=\"864\">Dit:<\/p>\r\n\r\n<ul data-start=\"866\" data-end=\"939\">\r\n \t<li data-section-id=\"u7djis\" data-start=\"866\" data-end=\"900\">kan leiden tot een ongunstige wisselkoers<\/li>\r\n \t<li data-section-id=\"1k4kycs\" data-start=\"901\" data-end=\"939\">kan onnodige extra kosten met zich meebrengen<\/li>\r\n<\/ul>\r\n\r\n<hr data-start=\"941\" data-end=\"944\" \/>\r\n\r\n<h2 data-section-id=\"6zrw6\" data-start=\"946\" data-end=\"965\">Het is belangrijk om dit te verduidelijken<\/h2>\r\n<p data-start=\"967\" data-end=\"1053\">De betaling vindt altijd in euro\u2019s plaats, dus moet u van tevoren rekening houden met de wisselkoers.<\/p>\r\n<p data-start=\"967\" data-end=\"1053\">De keuze voor de juiste omzettingsoplossing is ook vanuit het oogpunt van de totale kosten een belangrijke beslissing.<\/p>\r\n\r\n<h2 data-section-id=\"fx0csx\" data-start=\"1886\" data-end=\"1902\"><\/h2>\r\n<h2 data-section-id=\"fx0csx\" data-start=\"1886\" data-end=\"1902\">Samenvatting<\/h2>\r\n<ul data-start=\"1904\" data-end=\"2022\">\r\n \t<li data-section-id=\"14m6qsy\" data-start=\"1904\" data-end=\"1940\">de betaling vindt in meerdere stappen plaats<\/li>\r\n \t<li data-section-id=\"ssnwut\" data-start=\"1941\" data-end=\"1985\">de laatste betaling vindt plaats in aanwezigheid van een notaris<\/li>\r\n \t<li data-section-id=\"1tditjd\" data-start=\"1986\" data-end=\"2022\">het proces verloopt veilig<\/li>\r\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>A spanyolorsz\u00e1gi ingatlanv\u00e1s\u00e1rl\u00e1s egyik legfontosabb k\u00e9rd\u00e9se a fizet\u00e9s m\u00f3dja \u00e9s biztons\u00e1ga. Sokan att\u00f3l tartanak, hogy hogyan t\u00f6rt\u00e9nik a p\u00e9nz \u00e1tad\u00e1sa egy k\u00fclf\u00f6ldi orsz\u00e1gban. A val\u00f3s\u00e1g az, hogy a folyamat j\u00f3l szab\u00e1lyozott \u00e9s biztons\u00e1gos, ha megfelel\u0151en van v\u00e9gigvezetve. A v\u00e1s\u00e1rl\u00e1shoz sz\u00fcks\u00e9ges adminisztr\u00e1ci\u00f3 egyik alapja a NIE sz\u00e1m. Err\u0151l b\u0151vebben itt olvashatsz. Hogyan zajlik a fizet\u00e9s folyamata? [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3480,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[94],"tags":[],"class_list":["post-3479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/posts\/3479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/comments?post=3479"}],"version-history":[{"count":6,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/posts\/3479\/revisions"}],"predecessor-version":[{"id":4310,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/posts\/3479\/revisions\/4310"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/media\/3480"}],"wp:attachment":[{"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/media?parent=3479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/categories?post=3479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/tags?post=3479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}