Documents to sell a flat in Zaragoza

Having your paperwork in order is one of the simplest ways to sell without surprises. Missing documents can delay completion by weeks or make a buyer lose confidence.

This guide covers the usual documents for selling a flat in Zaragoza, the extra ones some cases require and a final checklist. Every sale has its own details, so check your case with the notary or an adviser.

The basic documents

These are needed in almost every sale:

• Title deed (escritura). It shows how you acquired the flat. If you cannot find it, you can request a copy from the notary's office where it was signed.
• Land Registry extract (nota simple). It shows the registered owner and any charges, such as mortgages or seizures. You request it from the Land Registry, and the buyer will check it before committing.
• Latest property tax receipt (IBI). It proves the local property tax is paid and gives the cadastral reference.
• Community certificate. The building's administrator or president confirms you are up to date with community fees.
• ID (DNI, NIE or passport) for every owner.

Energy certificate and building inspection

An energy performance certificate is compulsory for any sale. The energy rating must also appear in the listing from day one. A qualified technician issues it after visiting the property.

In Zaragoza you also need to consider the building inspection (Inspección Técnica de Edificios, ITE). According to the City Council, buildings undergo their first inspection when they turn 50 and every ten years after that. It is the community's responsibility, but buyers may ask about the result and any pending works.

What about the habitability certificate?

This question comes up often. The Government of Aragón states on its website that the habitability certificate (cédula de habitabilidad) has been abolished for residential buildings. That does not mean anything goes: the home must still meet habitability standards.

If your flat is old or has had major alterations, check your specific case before listing it.

If the flat has a mortgage

You can sell even if a mortgage is outstanding. It is usually paid off at completion with the buyer's money. You will need:

• A bank certificate showing the outstanding balance on the completion date.
• To agree with the bank how the payment will be handled at the notary.
• To have the mortgage removed from the Land Registry afterwards.

If the mortgage is paid off but still registered, it is wise to cancel it at the Registry before selling.

Special cases

A rented flat

If there are tenants, review the lease. Depending on its terms and the applicable law, the tenant may have pre-emption rights (tanteo y retracto), meaning a right to buy first. Also check whether the lease continues with the new owner.

Subsidised housing (VPO)

Price-controlled homes may need administrative authorisation to be sold and may have a maximum sale price. Check before setting your price.

An inherited flat

You will need the deed accepting and dividing the estate, and proof that inheritance tax and the plusvalía municipal have been paid. If there are several heirs, all of them must agree to the sale.

Divorce or separation

If the flat belongs to both spouses, both must sign. If it was allocated in the divorce, you will need the court-approved settlement (convenio regulador) or the relevant deed.

Your checklist

Before you put the flat on the market, make sure you have:

• Title deed.
• An up-to-date nota simple.
• Latest IBI receipt.
• Community certificate showing no debts.
• Energy performance certificate and label.
• Information on the building's ITE, if applicable.
• Bank certificate of the outstanding mortgage, if any.
• Lease agreement, if there are tenants.
• Sale authorisation, if it is VPO.
• Inheritance deed or divorce settlement, if relevant.
• ID for every owner.

At ACG Inmobiliaria we review your paperwork with you from day one and help you obtain anything missing, so you reach completion without last-minute rushes.

In short

To sell a flat in Zaragoza you need the title deed, the nota simple, the IBI receipt, the community certificate and the energy certificate. Keep the building's ITE in mind, and do not confuse the habitability certificate, abolished in Aragón, with habitability standards, which still apply. If there is a mortgage, tenants, VPO, an inheritance or a divorce, prepare the extra paperwork and check your case with a professional.

Related reading

• Costs of selling a flat in Zaragoza 2026
• Selling an inherited flat in Zaragoza