{"id":12107,"date":"2018-03-22T12:22:26","date_gmt":"2018-03-22T09:22:26","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=12107"},"modified":"2025-08-14T19:46:48","modified_gmt":"2025-08-14T16:46:48","slug":"banks-in-torrevieja","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/fr\/articles\/banks-in-torrevieja","title":{"rendered":"Banques \u00e0 Torrevieja"},"content":{"rendered":"

Si vous venez \u00e0 Torrevieja en tant que touriste, le sujet des banques ne vous d\u00e9range pas vraiment. Mais d\u00e8s que vous commencez une relation plus \u00e9troite avec l'Espagne, par exemple, achetez une propri\u00e9t\u00e9<\/strong><\/a> ou une voiture, la question de l'ouverture d'un compte bancaire se posera imm\u00e9diatement. Lorsde l'achat d'une maison, vous<\/strong><\/a> devrez ouvrir un compte au stade initial de la transaction. Si vous achetez par l'interm\u00e9diaire d'une agence, votre agent immobilier vous aidera \u00e0 ouvrir un compte et vous recommandera une banque. Mais si vous concluez un accord par vous-m\u00eame, en vous adressant directement aux propri\u00e9taires, le probl\u00e8me avec la banque devra \u00eatre d\u00e9cid\u00e9 personnellement par vous.<\/p>\n

Banques de Torrevieja qui travaillent avec des non-r\u00e9sidents<\/h3>\n

Il existe des succursales de 10 \u00e0 15 banques diff\u00e9rentes \u00e0 Torrevieja. Mais vous n'aurez besoin que de ceux qui prennent sans probl\u00e8me le service non seulement des non-r\u00e9sidents espagnols, mais des citoyens russes et ukrainiens. Malheureusement, ces derni\u00e8res ann\u00e9es, les banques espagnoles ne sont plus amoureuses des clients de ces pays. Il est difficile de dire ce qui l'a caus\u00e9 : peut-\u00eatre une avalanche d' hypoth\u00e8ques<\/strong><\/a> impay\u00e9es prises il y a 10 ans au plus haut des prix ; peut-\u00eatre les relations complexes de l'Europe avec nos pays et la m\u00e9fiance \u00e0 l'\u00e9gard des sources d'origine de l'argent. Quoi qu'il en soit, nous vous recommandons de ne pas perdre de temps et de ne pas frapper aux seuils de toutes les banques \u00e0 la suite, mais de contacter les plus grandes : Santander, BBVA, La Caixa, Sabadell et Bankia. \"\" Soit dit en passant, si vous achetez un bien immobilier bancaire, vous n'aurez aucun probl\u00e8me \u00e0 ouvrir un compte. Il en va de m\u00eame pour les biens immobiliers bancaires achet\u00e9s avec une hypoth\u00e8que<\/a> . La banque propri\u00e9taire vous ouvrira un compte et y liera une carte de d\u00e9bit et parfois une carte de cr\u00e9dit.<\/p>\n

Choisir une banque \u00e0 Torrevieja pour acheter une propri\u00e9t\u00e9<\/strong><\/h2>\n

Mais revenons \u00e0 notre top cinq. Toutes les banques cot\u00e9es travaillent avec des \u00e9trangers, ouvrent des comptes pour les r\u00e9sidents espagnols et les non-r\u00e9sidents<\/a> . Si vous \u00eates un non-r\u00e9sident, pr\u00e9parez-vous \u00e0 ce qu'on vous demande de soumettre une s\u00e9rie de documents destin\u00e9s \u00e0 confirmer la nature de vos activit\u00e9s et votre source de revenus. \"\" Une personne devra pr\u00e9senter un passeport en cours de validit\u00e9 avec un visa<\/a> , un certificat de travail indiquant le salaire, le poste et l'anciennet\u00e9, une d\u00e9claration 2-NDFL et un extrait d'un compte bancaire russe avec mouvement de fonds au cours des six derniers mois . Si vous travaillez en Russie ou en Ukraine en tant qu'entrepreneur<\/a> , la banque peut demander un extrait du registre des personnes morales et des entrepreneurs. Si un compte bancaire \u00e0 Torrevieja est ouvert pour l' achat d'un bien immobilier<\/strong><\/a> , il faudra joindre un certificat NIE<\/strong><\/a> et un contrat de vente ou un acompte aux documents.

\u041f\u043e\u043c\u043e\u0436\u0435\u043c \u043e\u0442\u043a\u0440\u044b\u0442\u044c \u0441\u0447\u0435\u0442 \u0432 \u0431\u0430\u043d\u043a\u0435 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0443<\/span>\u041f\u0440\u043e\u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0438\u0440\u0443\u0435\u043c \u0438 \u043f\u043e\u0434\u0433\u043e\u0442\u043e\u0432\u0438\u043c \u0432\u0441\u0435 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u044b\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b. \u0421\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0430\u0435\u043c \u0441 \u043d\u0430\u0434\u0435\u0436\u043d\u044b\u043c\u0438 \u0431\u0430\u043d\u043a\u0430\u043c\u0438 \u0438 \u043f\u043e\u043c\u043e\u0433\u0430\u0435\u043c \u043e\u0442\u043a\u0440\u044b\u0442\u044c \u0441\u0447\u0435\u0442 \u0431\u0435\u0437 \u0441\u043b\u043e\u0436\u043d\u043e\u0441\u0442\u0435\u0439. \r\n<\/span>
obtenir des conseils<\/a><\/div><\/div><\/div>
<\/div>\u041f\u043e\u043c\u043e\u0436\u0435\u043c \u043e\u0442\u043a\u0440\u044b\u0442\u044c \u0441\u0447\u0435\u0442 \u0432 \u0431\u0430\u043d\u043a\u0435 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0443<\/span>\u041f\u0440\u043e\u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0438\u0440\u0443\u0435\u043c \u0438 \u043f\u043e\u0434\u0433\u043e\u0442\u043e\u0432\u0438\u043c \u0432\u0441\u0435 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u044b\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b. \u0421\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0430\u0435\u043c \u0441 \u043d\u0430\u0434\u0435\u0436\u043d\u044b\u043c\u0438 \u0431\u0430\u043d\u043a\u0430\u043c\u0438 \u0438 \u043f\u043e\u043c\u043e\u0433\u0430\u0435\u043c \u043e\u0442\u043a\u0440\u044b\u0442\u044c \u0441\u0447\u0435\u0442 \u0431\u0435\u0437 \u0441\u043b\u043e\u0436\u043d\u043e\u0441\u0442\u0435\u0439. \r\n<\/span>
politique de confidentialit\u00e9<\/a><\/span><\/form>
Votre conseiller:<\/span>
<\/div>
Anna Zakharenko<\/span>responsable administratif<\/span><\/div><\/div><\/div><\/div><\/div> Pr\u00e9parez-vous au fait que vous devrez fournir des documents suppl\u00e9mentaires – la banque a le droit de le faire si elle a des doutes \u00e0 votre sujet. De plus, l'ensemble des documents doit \u00eatre apostill\u00e9 et traduit en espagnol par un traducteur asserment\u00e9. Comme nous l'avons d\u00e9j\u00e0 dit, les banques de Torrevieja travaillent avec des r\u00e9sidents et des non-r\u00e9sidents. Lors de l'ouverture d'un compte de non-r\u00e9sident, vous devrez peut-\u00eatre signer un certificat de non-r\u00e9sident, un document dans lequel vous confirmez votre statut par \u00e9crit. \u00c0 l'avenir, apr\u00e8s l'obtention d'un permis de s\u00e9jour<\/a> espagnol (r\u00e9sidence), le type de compte pourra \u00eatre modifi\u00e9. \"\" BBVA Bank<\/a> permet aux clients d'ouvrir des comptes en ligne. Mais les documents dont nous avons parl\u00e9 ci-dessus devront toujours \u00eatre apport\u00e9s au bureau de la banque ou envoy\u00e9s par courrier. Les banques de Torrevieja sont concentr\u00e9es principalement dans la zone centrale<\/a> et ces derni\u00e8res ann\u00e9es ont tout simplement \u00e9t\u00e9 submerg\u00e9es de clients. Vous pouvez parfois rester coinc\u00e9 dans la file d'attente \u00e0 la caisse pendant quelques heures. De nombreuses op\u00e9rations sont retir\u00e9es du champ d'application des t\u00e2ches des caissiers. Par exemple, les retraits d'esp\u00e8ces et les d\u00e9p\u00f4ts jusqu'\u00e0 un certain montant (600 \u00e0 1 000 \u20ac) doivent \u00eatre effectu\u00e9s via un guichet automatique. Ceci s'applique \u00e9galement au paiement des factures pour les services publics<\/a> . Si vous avez des probl\u00e8mes, les employ\u00e9s de la banque vous aideront certainement, mais pr\u00e9parez-vous \u00e0 un million de regards en coin de la part des personnes qui languissent dans la file d'attente. \"\" S'il est possible de choisir librement une succursale de la banque \u00e0 volont\u00e9, faites attention \u00e0 celles qui se trouvent \u00e0 la p\u00e9riph\u00e9rie. Cela vous \u00e9vitera des files d'attente constantes et une perte de temps. Un tr\u00e8s grand nombre d'op\u00e9rations peuvent \u00eatre effectu\u00e9es via votre banque en ligne : payer des imp\u00f4ts<\/strong><\/a> , effectuer un virement bancaire, ouvrir des comptes suppl\u00e9mentaires et m\u00eame contracter un emprunt. Si vous comprenez les services bancaires en ligne, vous \u00e9liminerez presque compl\u00e8tement le besoin de vous rendre \u00e0 votre succursale et d'effectuer des transactions bancaires par l'interm\u00e9diaire du caissier.<\/p>","protected":false},"excerpt":{"rendered":"

Si vous venez \u00e0 Torrevieja en tant que touriste,\u2026<\/p>\n","protected":false},"author":1,"featured_media":12108,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,960],"tags":[],"class_list":["post-12107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-useful-information"],"yoast_head":"\nBanques \u00e0 Torrevieja<\/title>\n<meta name=\"description\" content=\"(RU) \u0411\u0430\u043d\u043a\u0438 \u0422\u043e\u0440\u0440\u0435\u0432\u044c\u0435\u0445\u0438: \u043a\u0430\u043a\u043e\u0439 \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u0434\u043b\u044f \u043e\u0442\u043a\u0440\u044b\u0442\u0438\u044f \u0441\u0447\u0435\u0442\u0430 \u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438. \u00ab\u041d\u0435\u0433\u043b\u0430\u0441\u043d\u043e\u0435\u00bb \u043f\u0440\u0430\u0432\u0438\u043b\u043e \u0431\u0430\u043d\u043a\u043e\u0432 \u0422\u043e\u0440\u0440\u0435\u0432\u044c\u0435\u0445\u0438 \u0432 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0438 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432: \u0434\u0435\u043b\u0430\u0439\u0442\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u044c\u043d\u044b\u0439 \u0432\u044b\u0431\u043e\u0440.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alegria-realestate.com\/fr\/wp-json\/wp\/v2\/posts\/12107\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banques \u00e0 Torrevieja\" \/>\n<meta property=\"og:description\" content=\"(RU) \u0411\u0430\u043d\u043a\u0438 \u0422\u043e\u0440\u0440\u0435\u0432\u044c\u0435\u0445\u0438: \u043a\u0430\u043a\u043e\u0439 \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u0434\u043b\u044f \u043e\u0442\u043a\u0440\u044b\u0442\u0438\u044f \u0441\u0447\u0435\u0442\u0430 \u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438. \u00ab\u041d\u0435\u0433\u043b\u0430\u0441\u043d\u043e\u0435\u00bb \u043f\u0440\u0430\u0432\u0438\u043b\u043e \u0431\u0430\u043d\u043a\u043e\u0432 \u0422\u043e\u0440\u0440\u0435\u0432\u044c\u0435\u0445\u0438 \u0432 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0438 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432: \u0434\u0435\u043b\u0430\u0439\u0442\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u044c\u043d\u044b\u0439 \u0432\u044b\u0431\u043e\u0440.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alegria-realestate.com\/fr\/wp-json\/wp\/v2\/posts\/12107\" \/>\n<meta property=\"og:site_name\" content=\"Immobilier en Espagne\" \/>\n<meta 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