Spain Property Closing Costs Calculator
Calculate closing costs for buying property in Spain. Region-specific ITP rates, new build vs resale, notary and registry fees.
ITP rates vary by autonomous community and property value. New builds pay IVA (10%) + AJD instead of ITP. Notary and registry fees are approximate. Consult a gestor or lawyer for exact costs.
Spain Property Closing Costs FAQ
What is ITP in Spain?
ITP (Impuesto de Transmisiones Patrimoniales) is the property transfer tax paid when buying a resale property in Spain. The rate varies from 4% in the Basque Country to 10% in Catalonia, Valencia, and Cantabria.
What taxes do I pay on a new-build property in Spain?
New-build properties in Spain are subject to IVA (VAT) at 10% plus AJD (stamp duty) which varies by region from 0.5% to 1.5%. This replaces the ITP that applies to resale properties.
What other costs should I budget for when buying in Spain?
Beyond closing costs, budget for a property survey, mortgage arrangement fees (if applicable), legal fees (1-2%), and ongoing costs such as IBI (annual property tax), community fees, and home insurance.
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