Since 2022, hundreds of thousands of Ukrainian families have settled across Europe under temporary protection. Many are now looking beyond rented apartments toward building their own homes — especially in Spain, where the climate, cost of living, and Ukrainian diaspora make it an attractive long-term destination. This guide addresses the specific questions and considerations for Ukrainians in this situation.
Temporary protection status and property rights
Ukrainian nationals under temporary protection in EU countries retain full property purchase rights in Spain. Temporary protection does not limit your ability to buy land, commission construction, or own property. You will need a NIE (which you may already have if you are registered in Spain under temporary protection), a Spanish or EU bank account, and the standard professional team. The temporary protection status actually simplifies certain processes — you already have legal residence in an EU country, which some banks and notaries find reassuring.
Financing options for Ukrainian buyers
Spanish banks currently offer mortgages to non-residents at 60–70% loan-to-value. If you are a tax resident in an EU country under temporary protection, some banks may offer better terms. Keys to mortgage approval: proof of stable income (employment contract or business income), clean credit history in your country of residence, a property valuation by an approved appraiser, and a minimum 30% down payment. Some Ukrainian families are purchasing outright with savings or business proceeds — Spain does not restrict cash purchases, though anti-money-laundering checks apply to transactions above €10,000.
Working with a Ukrainian-speaking architect
One of the biggest advantages for Ukrainian clients building in Spain is having an architect who speaks your language, understands your cultural expectations, and is familiar with the challenges of relocating abroad. Olena Solodovnik operates exactly in this space — a Ukrainian architect with strong local partnerships, collaborating with licensed Spanish architects and engineers to fulfil all legal requirements while providing native-language communication, Ukrainian design sensibility, and personal understanding of the relocation experience. This combination means fewer misunderstandings, faster decision-making, and a home that feels truly yours.