Complete buyer's guide
Complete Guide to Buying Property in Spain
Everything foreign buyers need to know about purchasing real estate in Spain, from NIE and mortgages to arras, notary, and taxes.
2–3
Months Average
10–15%
Additional Costs
70%
Max LTV Non-Resident
Estimate your total purchase cost
Adjust the price, region and financing to see all the taxes, notary and legal fees you'll need to budget for. Download a branded PDF summary.
Property Details
Enter your property details to calculate costs
50.000 €2.000.000 €
Transfer tax is set per community, not nationally.
Loan-to-Value70%
40%80%
Cost Breakdown
Estimated costs for your purchase
Property Price300.000 €
ITP Transfer Tax (7%)21.000 €
Notary Fees1.500 €
Land Registry800 €
Legal Fees3.000 €
Mortgage Setup Costs1.470 €
Total Additional Costs27.770 €
Total Purchase Cost327.770 €
Initial Deposit (arras)30.000 €
Cash You'll Need117.770 €
* These are estimates. Actual costs may vary based on specific circumstances, location, and professional fees. Consult with a lawyer for accurate figures.
Rates are set per autonomous community and do change. Confirm the current figures with a Spanish lawyer or tax adviser before you budget.
Still have questions?
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