Most buyers discover the true cost at the notary. The transfer tax alone varies by €15,000 depending on where you buy. Personalised to your nationality and region.
The asking or agreed price in euros
ITP transfer tax varies by region
Affects purchase taxes and annual IRNR
Resale: pays ITP transfer tax. New build: pays VAT (IVA, 10%) plus AJD stamp duty on the deed (0.5-1.5%).
Slide to 0% for cash. Spanish lenders typically offer up to 70% to non-residents, 80% to residents.