Buying a property involves two types of expenses: those associated with the mortgage loan and others with purchase and sale transactions.
Mortgage loan expenses are paid by the bank: registration, notarial fees, processing and stamp duty. The process is a bit different in the Basque Country where regional regulations require the buyer to pay the stamp duty.
Purchase and sale expenses have nothing to do with the mortgage. Therefore, the bank is not responsible for paying them. These include the following expenses: Taxes (e.g., property transfer tax, VAT, and inheritance tax) and management, notary public, and registration costs.
The appraisal is usually paid by the buyer.