Tool · Tripinvest ES

Calculator

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How much does a property in Spain really cost?

Enter the price and see your real budget — taxes, legal costs and an optional mortgage.

New build:  VAT 10%  instead of ITP · bank guarantees · staged payments
Property price
€
€150k
Region · ITP rate
Mortgage?
For non-residents · up to 70% LTV
Bank financing (LTV) 65%
50%70% max
Annual interest rate 4.2%
3.8%4.5%
Loan term 20 years
10 years30 years
Bank finances —
Total amount you need
—
Cost breakdown
Property price
—
ITP transfer tax (9%)
Resale
—
Lawyer, notary, land registry, NIE + bank account
~4% of the property value (upper estimate, may be less)
Total transaction costs
—
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* The calculator gives an indicative estimate only. ITP (transfer tax on resale properties): Costa Blanca (Alicante) 9%, Costa Cálida (Murcia) 8%, Costa del Sol (Málaga) 7%. VAT on new builds: 10%. Legal costs ~3–4%. We recommend consulting a lawyer before buying.