Resale (second-hand) property
- ITP (transfer tax) — Andalucía 7%
- Notary — €600–€1,800
- Land Registry — €400–€1,200
- Lawyer — 1% (€1,800–€4,500)
- Bank valuation — €350–€600 (only if mortgaging)
- Mortgage arrangement — 0.25%–1%
- Survey (optional) — €450–€900
Total: 9–11% for cash buyers, 10.5–13% with mortgage
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- IVA — 10%
- AJD (stamp duty) — Andalucía 1.2%
- Notary, Registry, Lawyer — as above
- Mortgage costs — as above
Total: 13–14% with mortgage
What's NOT included
Furniture and fit-out (€20–€80k for an apartment, €50–€200k for a villa). First-year community fee deposit. IBI for the part-year you'll own.
Run the live numbers in our cost calculator. Pair with first-time buyer checklist.
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