Rates as of
Buying cost calculator
Estimate taxes and fees when buying a new-build or resale home in Andalusia.
Price before IVA, as quoted by the developer.
More optionsMain home and reduced rates, reference value, non-resident seller, fees
The 'valor de referencia' from the Catastro. Transfer tax (ITP) and stamp duty (AJD) are charged on the higher of this and the price. New builds often don't have one yet: leave empty if you don't know it.
Adjust fees
Change these if you have quotes. Leave empty to use typical ranges.
Total to pay, all in
€338,430 – €339,180
Price €300,000 + €38,430 – €39,180 in taxes and fees (12.81% – 13.06% of the price)
Taxes and fees
| Item | Amount |
|---|---|
| IVA (VAT)10% of €300,000 | €30,000 |
| AJD (stamp duty)1.2% of €300,000 | €3,600 |
| Notary | €500 – €1,000 |
| Land registry | €400 – €650 |
| Gestoría (paperwork) | €300 |
| Lawyer (incl. IVA)1% of €300,000 | €3,630 |
| Total | €38,430 – €39,180 |
Cash you need to buy
The total amount you need to pay: the price plus all buying costs.
- Purchase price
- €300,000
- + Buying costs
- €38,430 – €39,180
= Total to pay€338,430 – €339,180
Estimate, not tax or legal advice.
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Sources and rates used (20)
Rates and sources
| Rate | Value | In force since | Source | Status |
|---|---|---|---|---|
| IVA on new-build homes | 10% | Official source | Confirmed | |
| AJD (stamp duty), general rate | 1.2% | Official source | Confirmed | |
| ITP (transfer tax), general rate | 7% | Official source | Confirmed | |
| ITP, main home up to €150,000 | 6% | Official source | Confirmed | |
| ITP, under 35 or special situation, main home up to €150,000 | 3.5% | Official source | Confirmed | |
| ITP, large family, main home up to €250,000 | 3.5% | Official source | Confirmed | |
| ITP, disability ≥ 33%, main home up to €250,000 | 3.5% | Official source | Confirmed | |
| AJD, main home up to €150,000 | 1% | Official source | Confirmed | |
| AJD, under 35 or special situation, main home up to €150,000 | 0.3% | Official source | Confirmed | |
| AJD, large family, main home up to €250,000 | 0.1% | Official source | Confirmed | |
| AJD, disability ≥ 33%, main home up to €250,000 | 0.1% | Official source | Confirmed | |
| Notary, typical for a €300,000 purchase (incl. IVA) | €500 – €1,000 | Our estimate | Confirmed | |
| Land registry, typical for a €300,000 purchase (incl. IVA) | €400 – €650 | Our estimate | Confirmed | |
| Notary fee scale (adjusts the notary fee to the price) | Official scale | Official source | Confirmed | |
| Land registry fee scale (adjusts the registry fee to the price) | Official scale | Official source | Confirmed | |
| Gestoría | €300 | Our estimate | Confirmed | |
| Mortgage valuation | €300 – €600 | Our estimate | Confirmed | |
| Lawyer's fee (of price) | 1% | Our estimate | Confirmed | |
| IVA on the lawyer's fee | 21% | Official source | Confirmed | |
| Retention if the seller is non-resident | 3% | Official source | Confirmed |
Estimate, not tax or legal advice. These figures are an estimate based on the published rates listed on this page. Your own situation may differ. Always confirm with an independent lawyer or tax adviser before you commit.