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Frequent questions

Deja que ellos te lo cuenten. Ayudamos a personas como tú a obtener su primera vivienda

How does Libeen work?

Can I apply for SmartHousing?

If you are looking to buy a home, want to stop throwing away money every month, and want to stop worrying about whether you have enough savings and a down payment, contact us and together, we will find the house that's right for you! It's that easy!


What is SmartHousing?

#SmartHousing means that you stop spending money on a simple rent and you start using it to buy your home with Libeen.


Why do we want to help you?

This is simple. We want to help you write your own history and get that house of your dreams.

The stringent financial requirements for acquiring a mortgage, along with employment instability makes it nearly impossible for most of us to buy our dream homes. As a consequence, there are very few people who are able to make this dream a reality and the only option most people have is to rent. This has caused prices to skyrocket, not only raising the cost of rent but also making the paperwork a nightmare.

This is where Libeen comes in, to give you easy access to your future home, without a huge down payment, without a ton of savings and without all the other documents a bank usually demands. This way you can finally stop wasting your money every month on rent.


Who are we?

Libeen emerged with one simple mission: help our generation to buy houses and write their own history.

We believe that everyone deserves the right to buy their own home without having to sacrifice their savings account, their wish list, or lifestyle.

That being said, we want to be clear that we aren't a bank, nor loan sharks, or anything close! Simply put, we're like your "fairy godmother" here to lend a hand when you need it most.


How does Libeen work?

When does the process finalize in order for me to officially become a homeowner?

Depending on the property, this period of time varies between 3 to 7 years. After that time, you will have saved 20% of the value of your home, the purchase of the property is finalized, and before you even realize it, you will be the owner of your very own dream home!


What documents do we need from you?

First, we will need your identification (DNI, NIE, or passport). Next we will ask you to provide information regarding your employment status.

1. If you are an employee, we need you to provide us the last 2 pay stubs.

2. If you are self-employed we will need your last income tax return (IRPF) and your last two contributions to Social Security or VAT installment payments.

3. If you are retired, we will need an updated income certificate.

4. For any type of temporary contract, we will need you to provide us with your employment history.


What requirements do I need to fill to join the SmartHousing revolution?

1. The rent cannot not exceed 45% of your net income.

2. You must have a permanent work contract (you must have worked there for over 6 months). We also allow any other work contract with seniority of 1 year or greater. In case you have worked less than one year, you will be asked to present your entire employment history.

3. There cannot be any record of you in ASNEF files. Of course, we will not take into account small telephone debts of up to €500 or other small debts of up to €300.


Can I remodel or make changes to the property?

You can always make adjustments to better fit your needs. In the end this is your house, and we want you to feel at home, however if you are going to make any changes or renovations to the property, you should always speak with us beforehand.


Who is responsible for the upkeep and maintenance of the property?

All homes have a Home Insurance covering any problem that may occur.


Are the taxes and expenses of buying and selling the house included?

The sales tax as well as the price of the change of ownership to your name will be paid by you.


Will Libeen help me to get the mortgage?

We’ll do our best to help you get the best mortgage conditions. Right now, we have the support of several Spanish entities.


Can I sublet my home?

You can sublet your home, but first you need to notify us.


In 4 simple steps we will teach you how does the Smart Housing work:

1. Look for your home: browse our marketplace to find your dream home, or if you've already got one in mind, contact us.

2. Digital Scoring: we will conduct a quick financial check to make sure this is the right home for you.

3. Use your rent to buy your home: put down at least 5% of the property value, move to your new home, and start saving with your monthly rent to become the homeowner.

4. Time to get your mortgage: In just 7 years you will have saved the 20% down payment you need to get your mortgage. We will guide you through the process, finding the best fit for you.


Libeen's Properties

Where can I find a property with Libeen?

We always study good opportunities in the market as we work on high demand locations.

We are growing and we hope to announce very shortly our new national and international locations! For now, you can find us in Madrid and Valencia.


Are all properties furnished or remodeled?

No. Not all properties are furnished our recently remodeled. We understand that some of you prefer to adapt your home to your personal preference from scratch, and others that prefer to have it the easy way. This is why we have all the different options on our marketplace.