{"id":435478,"date":"2026-10-06T16:30:48","date_gmt":"2026-10-06T14:30:48","guid":{"rendered":"https:\/\/mdrluxuryhomes.com\/costs-to-buyer-spain\/"},"modified":"2026-10-07T15:50:49","modified_gmt":"2026-10-07T13:50:49","slug":"costs-to-buyer-spain","status":"publish","type":"post","link":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/","title":{"rendered":"How much does it really cost to buy a home on the Costa del Sol?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"435478\" class=\"elementor elementor-435478 elementor-435424\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b350fb e-flex e-con-boxed e-con e-parent\" data-id=\"2b350fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-158db5a elementor-widget elementor-widget-text-editor\" data-id=\"158db5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The asking price is rarely the amount that is ultimately deducted from your account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-259c631 elementor-widget elementor-widget-text-editor\" data-id=\"259c631\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In addition to the purchase price, <strong>buyer\u2019s costs in Spain<\/strong> include taxes, legal fees, notary and registration fees, and possibly mortgage costs.<\/p><p><a href=\"https:\/\/mdrluxuryhomes.com\/en\/new-construction-or-resale\/\" title=\"New Construction or Resale on the Costa del Sol\">The difference between new construction and existing homes<\/a>, in particular, has a significant impact on the final amount. As a practical guideline, you can expect:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa3f96a e-flex e-con-boxed e-con e-child\" data-id=\"fa3f96a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d604863 e-flex e-con-boxed e-con e-child\" data-id=\"d604863\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10b9c30 elementor-widget elementor-widget-text-editor\" data-id=\"10b9c30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-family: 'Cormorant Infant', serif; font-size: 48px; font-weight: 500; line-height: 1; color: #b8694a; margin: 0 0 8px 0;\">9 to 10%<\/p><p style=\"margin: 0;\">extra for <strong>existing buildings<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd55944 e-flex e-con-boxed e-con e-child\" data-id=\"fd55944\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9add996 elementor-widget elementor-widget-text-editor\" data-id=\"9add996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-family: 'Cormorant Infant', serif; font-size: 48px; font-weight: 500; line-height: 1; color: #b8694a; margin: 0 0 8px 0;\">13 to 14%<\/p><p style=\"margin: 0;\">extra for <strong>new construction<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4cc5c4 elementor-widget elementor-widget-text-editor\" data-id=\"b4cc5c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>That difference is mainly due to taxes. But even within these percentages, every purchase is different. The purchase price, the lawyer you choose, the complexity of the case, and any financing you may need all determine how much you actually pay.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac7a1cf elementor-widget elementor-widget-image\" data-id=\"ac7a1cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Bestaande-en-moderne-woningen-aan-de-Costa-del-Sol.jpg?lossy=2&strip=1&webp=1\" class=\"attachment-full size-full wp-image-435480\" alt=\"Transfer Tax in Spain\" title=\"Existing and modern homes on the Costa del Sol | MDR Luxury Homes\" srcset=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Bestaande-en-moderne-woningen-aan-de-Costa-del-Sol.jpg?lossy=2&amp;strip=1&amp;webp=1 1536w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Bestaande-en-moderne-woningen-aan-de-Costa-del-Sol.jpg?size=234x156&amp;lossy=2&amp;strip=1&amp;webp=1 234w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Bestaande-en-moderne-woningen-aan-de-Costa-del-Sol.jpg?size=468x312&amp;lossy=2&amp;strip=1&amp;webp=1 468w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Bestaande-en-moderne-woningen-aan-de-Costa-del-Sol.jpg?size=702x468&amp;lossy=2&amp;strip=1&amp;webp=1 702w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Bestaande-en-moderne-woningen-aan-de-Costa-del-Sol.jpg?size=936x624&amp;lossy=2&amp;strip=1&amp;webp=1 936w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Bestaande-en-moderne-woningen-aan-de-Costa-del-Sol.jpg?size=1170x780&amp;lossy=2&amp;strip=1&amp;webp=1 1170w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9ebd2a e-flex e-con-boxed e-con e-parent\" data-id=\"a9ebd2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-356fa90 elementor-widget elementor-widget-text-editor\" data-id=\"356fa90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Buyer&#8217;s Costs in Spain: A Quick Overview<\/h2><table style=\"width: 100%; border-collapse: collapse; border: 0; margin: 8px 0 16px 0;\"><thead><tr><th style=\"text-align: left; padding: 12px 10px; background: transparent; border: 0; border-bottom: 2px solid #b8694a; font-weight: 600;\">Cost Item<\/th><th style=\"text-align: left; padding: 12px 10px; background: transparent; border: 0; border-bottom: 2px solid #b8694a; font-weight: 600;\">Existing Construction<\/th><th style=\"text-align: left; padding: 12px 10px; background: transparent; border: 0; border-bottom: 2px solid #b8694a; font-weight: 600;\">New construction<\/th><\/tr><\/thead><tbody><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Transfer tax or VAT<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">7% ITP<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">10% IVA<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">AJD Stamp Duty<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Not applicable to regular purchases<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">1.2%<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Attorney<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Usually about 1% + 21% VAT<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Usually about 1% + 21% VAT<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Notary<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Usually \u20ac700\u2013\u20ac1,500<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Usually \u20ac700\u2013\u20ac1,500<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Property Registry<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Usually \u20ac400\u2013\u20ac900<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Usually \u20ac400\u2013\u20ac900<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Mortgage Appraisal<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Usually \u20ac300\u2013\u20ac600<\/td><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; vertical-align: top;\">Usually \u20ac300\u2013\u20ac600<\/td><\/tr><\/tbody><\/table><p>These amounts are estimates, not fixed rates. Always ask for a personalized cost estimate before making a purchase.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69982e2 e-flex e-con-boxed e-con e-parent\" data-id=\"69982e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d7b92f elementor-widget elementor-widget-text-editor\" data-id=\"8d7b92f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>1. Existing homes: 7% transfer tax<\/h2><p>If you buy an existing home in Andalusia, you normally do not pay VAT but rather <strong>the Impuesto sobre Transmisiones Patrimoniales<\/strong>, usually abbreviated as ITP.<\/p><p>The standard ITP rate in Andalusia is currently <strong>7%.<\/strong> Reduced rates apply in specific situations, including certain purchases of a primary residence with a limited value. However, for most international buyers of a second home on the Costa del Sol, the general rate of 7% applies. The current rates are available from the <a href=\"https:\/\/www.juntadeandalucia.es\/organismos\/economiahaciendayfondoseuropeos\/areas\/tributos-juego\/tributos\/paginas\/impuestos-cedidos-transmisiones.html\" target=\"_blank\" rel=\"noopener\">Junta de Andaluc\u00eda<\/a>.<\/p><p>An important detail is the taxable value. ITP is not automatically calculated based solely on the agreed-upon purchase price. If the official <strong>\u201cvalor de referencia\u201d<\/strong> listed in the land registry is higher, that higher reference value may serve as the tax base. The <a href=\"https:\/\/www.catastro.hacienda.gob.es\/es-ES\/faqs.html\" target=\"_blank\" rel=\"noopener\">Spanish Land Registry<\/a> confirms that this value is used to calculate ITP and AJD.<\/p><p>Therefore, verifying the reference value is an essential part of preparing for any purchase. An attractive purchase price does not necessarily mean that the tax will be calculated solely on that lower price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15158b1 elementor-widget elementor-widget-text-editor\" data-id=\"15158b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Example<\/h3><p>For an existing home with a taxable value of \u20ac600,000, the ITP is:<\/p><p><strong>\u20ac600,000 \u00d7 7% = \u20ac42,000<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-940c5fd e-flex e-con-boxed e-con e-parent\" data-id=\"940c5fd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5efa24b elementor-widget elementor-widget-text-editor\" data-id=\"5efa24b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>2. New construction: 10% VAT and 1.2% AJD<\/h2><p>A different tax structure applies to the initial delivery of a home by a real estate developer.<\/p><p>You generally pay:<\/p><ul><li><strong>10% IVA<\/strong>, the Spanish VAT;<\/li><li><strong>1.2% AJD<\/strong>, the Andalusian stamp tax on notarial documents.<\/li><\/ul><p>The Spanish tax authority confirms that an initial transfer by the developer is normally subject to 10% IVA. Existing homes are, in principle, subject to ITP. See the <a href=\"https:\/\/sede.agenciatributaria.gob.es\/Sede\/iva\/iva-operaciones-inmobiliarias\/compro-vivienda-tengo-que-pagar-itp.html\" target=\"_blank\" rel=\"noopener\">Agencia Tributaria<\/a>\u2019s explanation for more details.<\/p><p>The general AJD rate in Andalusia is currently 1.2%. For the AJD as well, the <strong>\u201cvalor de referencia\u201d<\/strong> may serve as the tax base if it is higher than the agreed-upon purchase price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25915ae elementor-widget elementor-widget-text-editor\" data-id=\"25915ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Example<\/h3><p>For a new home priced at \u20ac600,000, the taxes are:<\/p><ul><li>VAT: \u20ac600,000 \u00d7 10% = <strong>\u20ac60,000<\/strong><\/li><li>AJD: \u20ac600,000 \u00d7 1.2% = <strong>\u20ac7,200<\/strong><\/li><\/ul><p><strong>Total purchase taxes: \u20ac67,200<\/strong><\/p><p>That is \u20ac25,200 more than the ITP on an existing home of the same value.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-554bc47 elementor-widget elementor-widget-text-editor\" data-id=\"554bc47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When purchasing a new home, be sure to check carefully which items are included in the advertised price. A parking space, storage unit, additional work package, or furnishings sold separately can affect the final purchase price and tax calculation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2f7ddb e-flex e-con-boxed e-con e-parent\" data-id=\"a2f7ddb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf16837 elementor-widget elementor-widget-text-editor\" data-id=\"bf16837\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>3. The Costs of an Independent Attorney<\/h2><p>You are not legally required to hire a lawyer when buying a home in Spain. For an international buyer, however, independent legal guidance is an essential part of a prudent purchase.<\/p><p>Among other things, the lawyer verifies:<\/p><ul><li>who the legal owner is;<\/li><li>whether there are any mortgages, liens, or other encumbrances;<\/li><li>whether additions and renovations have been properly registered;<\/li><li>whether municipal taxes and community fees have been paid;<\/li><li>what permits and documents are available;<\/li><li>whether the purchase agreement provides sufficient protection;<\/li><li>whether, in the case of new construction, bank guarantees exist for installment payments made.<\/li><\/ul><p>Many lawyers charge approximately <strong>1% of the purchase price, plus 21% IVA<\/strong>, although fixed fees and minimum rates are also common. Always ask what exactly is included in the fee. Tax representation, a power of attorney, applying for an NIE number, or work performed after the transfer may be billed separately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3154e elementor-widget elementor-widget-text-editor\" data-id=\"2e3154e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Example<\/h3><p>For a home priced at \u20ac600,000 and a 1% commission, this amounts to:<\/p><ul><li>commission: \u20ac6,000<\/li><li>VAT on the fee: \u20ac1,260<\/li><li>total: <strong>\u20ac7,260<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98ae3bb elementor-widget elementor-widget-text-editor\" data-id=\"98ae3bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It is best to choose a <a href=\"https:\/\/mdrluxuryhomes.com\/en\/lawyer-costa-del-sol\/\" title=\"Why a Qualified Attorney Is Essential for Real Estate Purchases\">lawyer who represents only your interests<\/a> and is not dependent on the seller.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f94c6d9 e-flex e-con-boxed e-con e-parent\" data-id=\"f94c6d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce604d8 elementor-widget elementor-widget-image\" data-id=\"ce604d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1536\" height=\"1024\" data-src=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Documenten-voor-de-notariele-overdracht-van-een-Spaanse-woning.jpg?lossy=2&strip=1&webp=1\" class=\"attachment-full size-full wp-image-435481 lazyload\" alt=\"Buyer&apos;s Costs in Spain\" title=\"Documents Required for the Notarized Transfer of a Spanish Home | MDR Luxury Homes\" data-srcset=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Documenten-voor-de-notariele-overdracht-van-een-Spaanse-woning.jpg?lossy=2&amp;strip=1&amp;webp=1 1536w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Documenten-voor-de-notariele-overdracht-van-een-Spaanse-woning.jpg?size=234x156&amp;lossy=2&amp;strip=1&amp;webp=1 234w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Documenten-voor-de-notariele-overdracht-van-een-Spaanse-woning.jpg?size=468x312&amp;lossy=2&amp;strip=1&amp;webp=1 468w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Documenten-voor-de-notariele-overdracht-van-een-Spaanse-woning.jpg?size=702x468&amp;lossy=2&amp;strip=1&amp;webp=1 702w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Documenten-voor-de-notariele-overdracht-van-een-Spaanse-woning.jpg?size=936x624&amp;lossy=2&amp;strip=1&amp;webp=1 936w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Documenten-voor-de-notariele-overdracht-van-een-Spaanse-woning.jpg?size=1170x780&amp;lossy=2&amp;strip=1&amp;webp=1 1170w\" data-sizes=\"auto\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1536px; --smush-placeholder-aspect-ratio: 1536\/1024;\" data-original-sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8eab5f1 elementor-widget elementor-widget-text-editor\" data-id=\"8eab5f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>4. Notary, Registry, and Administration<\/h2><p>The notary records the transfer in the public deed of sale, the <strong>escritura p\u00fablica<\/strong>. The notary verifies the formal legality of the transaction and typically files the deed electronically with the property registry.<\/p><p>Notary fees are regulated and are influenced by, among other things:<\/p><ul><li>the purchase price;<\/li><li>the length and complexity of the deed;<\/li><li>the number of attachments and copies;<\/li><li>any additional declarations or powers of attorney.<\/li><\/ul><p>When budgeting for a standard purchase, you can generally expect to pay <strong>between<\/strong> approximately <strong>\u20ac700 and \u20ac1,500<\/strong>. The exact breakdown of notary fees may depend on the purchase agreement and the copies requested.<\/p><p>After signing, ownership is registered in the buyer\u2019s name in the <strong>Registro de la Propiedad<\/strong>. For this, you should set aside approximately <strong>\u20ac400 to \u20ac900<\/strong> for most purchases. Both notaries and registrars operate under legally established fee structures; these are not arbitrary percentages of the sales price.<\/p><p>In addition, you\u2019ll often need to budget a small amount for administrative processing, such as filing tax returns, submitting documents through a gestor\u00eda, and applying for an <strong>NIE number<\/strong>. Every foreign buyer needs this identification number to purchase a home in Spain.<\/p><p>The sample calculations below include \u20ac400 for this administrative work and documentation. Check to see if these services are already included in your attorney\u2019s fee so that you don\u2019t double-count them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e25af3 e-flex e-con-boxed e-con e-parent\" data-id=\"5e25af3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbb0b1b elementor-widget elementor-widget-text-editor\" data-id=\"dbb0b1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>5. Which mortgage costs do you pay yourself?<\/h2><p>Since the introduction of the Spanish Mortgage Act of 2019, the bank has been covering a significant portion of the closing costs for consumer mortgages.<\/p><p>In principle, the bank pays:<\/p><ul><li>the notary for the mortgage deed;<\/li><li>the registration of the mortgage;<\/li><li>the gestor\u00eda for the mortgage deed;<\/li><li>the applicable tax on the mortgage deed.<\/li><\/ul><p>The buyer pays the following:<\/p><ul><li>the appraisal of the property;<\/li><li>a copy of the mortgage deed, if requested;<\/li><li>any origination fee, if the chosen mortgage requires one;<\/li><li>fees for independent legal or financial advice.<\/li><\/ul><p>According to the <a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/financiacion\/hipotecas\/guia-textual\/primerospasoscon\/Gastos_asociados_a_la_hipoteca.html\" target=\"_blank\" rel=\"noopener\">Banco de Espa\u00f1a<\/a>, the consumer pays for the appraisal, while the bank covers the notary, registration, taxes, and administrative fees associated with the mortgage.<\/p><p>A property appraisal often costs between <strong>\u20ac300 and \u20ac600<\/strong>, depending on the type and size of the home. Also, make sure to check whether the bank is proposing an arrangement fee, mandatory insurance, or a discount through linked financial products. These are not purchase taxes, but they do affect the actual financing costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4afd07e e-flex e-con-boxed e-con e-parent\" data-id=\"4afd07e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-842e6ef elementor-widget elementor-widget-text-editor\" data-id=\"842e6ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Realistic calculation example: a home worth \u20ac600,000<\/h2><p>The calculation below uses a lawyer\u2019s fee of 1% plus VAT and representative amounts for the notary, registration, and administrative processing.<\/p><table style=\"width: 100%; border-collapse: collapse; border: 0; margin: 8px 0 24px 0;\"><thead><tr><th style=\"text-align: left; padding: 12px 10px; background: transparent; border: 0; border-bottom: 2px solid #b8694a; font-weight: 600;\">Cost Item<\/th><th style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 2px solid #b8694a; font-weight: 600;\">Existing Construction<\/th><th style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 2px solid #b8694a; font-weight: 600;\">New construction<\/th><\/tr><\/thead><tbody><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Purchase Price<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac600,000<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac600,000<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">ITP, 7% \/ VAT, 10%<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac42,000<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac60,000<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">AJD, 1.2%<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">N\/A<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac7,200<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Attorney, including VAT<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac7,260<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac7,260<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Notary, estimate<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac1,000<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac1,000<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Property Registry, Budget<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac650<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac650<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">Administration and Documents, Budget<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac400<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0;\">\u20ac400<\/td><\/tr><tr><td style=\"padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; font-weight: 600;\">Total additional costs<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; font-weight: 600;\">\u20ac51,310<\/td><td style=\"text-align: right; padding: 12px 10px; background: transparent; border: 0; border-bottom: 1px solid #e4ded0; font-weight: 600;\">\u20ac76,510<\/td><\/tr><tr><td style=\"padding: 14px 10px; background: transparent; border: 0; border-top: 2px solid #2e2a24; font-weight: 600;\">Total investment<\/td><td style=\"text-align: right; padding: 14px 10px; background: transparent; border: 0; border-top: 2px solid #2e2a24; font-weight: 600; color: #8f4e36;\">\u20ac651,310<\/td><td style=\"text-align: right; padding: 14px 10px; background: transparent; border: 0; border-top: 2px solid #2e2a24; font-weight: 600; color: #8f4e36;\">\u20ac676,510<\/td><\/tr><\/tbody><\/table><p>In this example, the additional costs amount to approximately <strong>8.6% of the purchase price for existing homes<\/strong> and <strong>12.8% for new construction<\/strong>.<\/p><p>When you factor in an appraisal, any mortgage-related costs, and minor variations in professional fees, the total comes out slightly higher. That\u2019s why <strong>setting aside 9 to 10%<\/strong> for existing homes is a sensible budget estimate. For new construction, a reserve of <strong>13 to 14%<\/strong> also allows for additional documentation and extra work.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2cc1d64 e-flex e-con-boxed e-con e-parent\" data-id=\"2cc1d64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df1c6ac elementor-widget elementor-widget-text-editor\" data-id=\"df1c6ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Which amounts are not considered additional purchase costs?<\/h2><p>A reservation fee or down payment is often mistakenly included in the purchase costs. Normally, this payment is part of the agreed-upon purchase price.<\/p><p>For example, if you pay \u20ac6,000 as a reservation fee and later 10% upon signing the arras contract, these are generally considered advance payments toward the property and not amounts added to the purchase price.<\/p><p>Also be aware of the <strong>plusval\u00eda municipal<\/strong>, the municipal tax on the increase in land value. In a standard sale for consideration, the seller is legally liable for the tax. Nevertheless, check whether the purchase agreement contains any clause that attempts to shift the financial burden to the buyer. This deserves particular attention in agreements with a real estate developer. The main legal rule is set forth in <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2004-4214\" target=\"_blank\" rel=\"noopener\">Article 106 of Spain\u2019s Ley Reguladora de las Haciendas Locales<\/a>.<\/p><p>Before making any payment, verify the following:<\/p><ul><li>to whom the money will be transferred;<\/li><li>under what conditions it is refundable;<\/li><li>whether the amount is explicitly deducted from the purchase price;<\/li><li>what happens if legal due diligence reveals any issues;<\/li><li>what the consequences are if the buyer or seller cancels the transaction;<\/li><li>whether taxes and costs that are legally the seller\u2019s responsibility are not subsequently contractually allocated to the buyer.<\/li><\/ul><p>Therefore, do not sign a reservation or earnest money agreement until the terms have been reviewed by a legal professional.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89742b3 e-flex e-con-boxed e-con e-parent\" data-id=\"89742b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8da613b elementor-widget elementor-widget-text-editor\" data-id=\"8da613b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Costs That Are Often Omitted from the Initial Estimate<\/h2><p>The purchase budget doesn\u2019t always end at the notary\u2019s office. Depending on the property, also take into account:<\/p><ul><li>water and electricity hookups or transfers;<\/li><li>community fees;<\/li><li>municipal property tax (IBI);<\/li><li>waste collection fees;<\/li><li>home insurance;<\/li><li>tax representation for non-residents;<\/li><li>furnishings, window treatments, or air conditioning;<\/li><li>repair work after the transfer;<\/li><li><a href=\"https:\/\/mdrluxuryhomes.com\/en\/tourist-rental-rules-spain\/\" title=\"Regulations Governing Vacation Rentals in Spain\">rental registration and additional requirements<\/a> if renting out the property is part of your plan.<\/li><\/ul><p>These are not direct purchase costs, but they do determine how much financial leeway you\u2019ll have after the transfer. You can find out how much these fixed expenses amount to annually in our overview of <a href=\"https:\/\/mdrluxuryhomes.com\/en\/annual-costs-of-a-second-home-in-spain\/\" title=\"Second Home in Spain: How Much Does It Cost Per Year?\">the annual costs of a second home in Spain<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c80cc9e e-flex e-con-boxed e-con e-parent\" data-id=\"c80cc9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d08166d elementor-widget elementor-widget-text-editor\" data-id=\"d08166d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>The asking price is just the beginning<\/h2><p>In practice, a home priced at \u20ac600,000 doesn\u2019t actually cost \u20ac600,000.<\/p><p>In the examples above, the total amount comes to approximately:<\/p><ul><li><strong>\u20ac651,310 for an existing home<\/strong><\/li><li><strong>\u20ac676,510 for new construction<\/strong><\/li><\/ul><p>The difference between a pleasant purchase and a financially stressful one often lies not in the home itself, but in the <a href=\"https:\/\/mdrluxuryhomes.com\/en\/home-costa-del-sol-neighborhood\/\" title=\"Why Your House Hunt Should Never Start with the House Itself\">preparation<\/a>.<\/p><p>Therefore, don\u2019t start by simply asking how much you can borrow or what purchase price is within your reach. First, determine how much of your own funds must remain available to cover taxes, legal fees, closing costs, and living expenses after the purchase.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-303ab4c elementor-widget elementor-widget-image\" data-id=\"303ab4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1536\" height=\"1024\" data-src=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Kopers-bespreken-de-kosten-en-juridische-controle-van-een-woning-in-Spanje.jpg?lossy=2&strip=1&webp=1\" class=\"attachment-full size-full wp-image-435482 lazyload\" alt=\"Buyers discuss the costs and legal review of a home in Spain\" title=\"Buyers discuss the costs and legal review of a home in Spain | MDR Luxury Homes\" data-srcset=\"https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Kopers-bespreken-de-kosten-en-juridische-controle-van-een-woning-in-Spanje.jpg?lossy=2&amp;strip=1&amp;webp=1 1536w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Kopers-bespreken-de-kosten-en-juridische-controle-van-een-woning-in-Spanje.jpg?size=234x156&amp;lossy=2&amp;strip=1&amp;webp=1 234w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Kopers-bespreken-de-kosten-en-juridische-controle-van-een-woning-in-Spanje.jpg?size=468x312&amp;lossy=2&amp;strip=1&amp;webp=1 468w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Kopers-bespreken-de-kosten-en-juridische-controle-van-een-woning-in-Spanje.jpg?size=702x468&amp;lossy=2&amp;strip=1&amp;webp=1 702w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Kopers-bespreken-de-kosten-en-juridische-controle-van-een-woning-in-Spanje.jpg?size=936x624&amp;lossy=2&amp;strip=1&amp;webp=1 936w, https:\/\/b2435771.assetcdn.net\/2.0\/2435771\/wp-content\/uploads\/2026\/10\/Kopers-bespreken-de-kosten-en-juridische-controle-van-een-woning-in-Spanje.jpg?size=1170x780&amp;lossy=2&amp;strip=1&amp;webp=1 1170w\" data-sizes=\"auto\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1536px; --smush-placeholder-aspect-ratio: 1536\/1024;\" data-original-sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa45b63 e-flex e-con-boxed e-con e-parent\" data-id=\"aa45b63\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-534e073 elementor-widget elementor-widget-text-editor\" data-id=\"534e073\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-family: 'Cormorant Infant', serif; font-size: 32px; font-weight: 500; line-height: 1.15; color: #f8f7f4; margin: 0 0 16px 0;\">Would you like to know the total cost of a specific home?<\/p><p style=\"color: #f8f7f4; margin: 0;\">MDR Luxury Homes would be happy to provide an indicative cost estimate, which you can then refine together with your attorney and financial advisor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2ad5ed elementor-align-left elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"c2ad5ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mdrluxuryhomes.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a cost estimate<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4da8167 e-flex e-con-boxed e-con e-parent\" data-id=\"4da8167\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b57365 elementor-widget elementor-widget-text-editor\" data-id=\"9b57365\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>The rates and examples in this article have been verified based on the rules in effect as of October 6, 2026. This article provides general information and does not constitute personal legal, tax, or financial advice. Before making a purchase, always have a final calculation prepared based on the property, its assessed value, your residency status, and your chosen financing options.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The asking price is rarely the amount that is ultimately deducted from your account. In addition to the purchase price, buyer\u2019s costs in Spain include taxes, legal fees, notary and registration fees, and possibly mortgage costs. The difference between new construction and existing homes, in particular, has a significant impact on the final amount. As [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":435479,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","page_builder":"","footnotes":""},"categories":[6039],"tags":[6040,5878,480,478],"class_list":["post-435478","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyer-intelligence","tag-buyer-intelligence","tag-buying-property-in-spain","tag-costa-del-sol-en","tag-property-spain"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Expect an additional 9 to 10% for existing properties and 13 to 14% for new construction. A complete guide to all buyer costs in Spain, with a sample calculation for the Costa del Sol.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Myriam\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.4\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"MDR Luxury Homes | Boutique real estate advisors on the Costa del Sol, guiding international clients to the right home, location and lifestyle.\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Buyer&#039;s Costs in Spain: What Does a Home Really Cost? | MDR\" \/>\n\t\t<meta property=\"og:description\" content=\"Expect an additional 9 to 10% for existing properties and 13 to 14% for new construction. A complete guide to all buyer costs in Spain, with a sample calculation for the Costa del Sol.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/mdrluxuryhomes.com\/wp-content\/uploads\/2026\/10\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/mdrluxuryhomes.com\/wp-content\/uploads\/2026\/10\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-10-06T14:30:48+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-10-07T13:50:49+00:00\" \/>\n\t\t<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MDRLuxuryHomes\/\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Buyer&#039;s Costs in Spain: What Does a Home Really Cost? | MDR\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Expect an additional 9 to 10% for existing properties and 13 to 14% for new construction. A complete guide to all buyer costs in Spain, with a sample calculation for the Costa del Sol.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/mdrluxuryhomes.com\/wp-content\/uploads\/2026\/10\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#blogposting\",\"name\":\"Buyer's Costs in Spain: What Does a Home Really Cost? | MDR\",\"headline\":\"How much does it really cost to buy a home on the Costa del Sol?\",\"author\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/author\\\/myriam\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg\",\"width\":1536,\"height\":1024,\"caption\":\"#image_title\"},\"datePublished\":\"2026-10-06T16:30:48+02:00\",\"dateModified\":\"2026-10-07T15:50:49+02:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#webpage\"},\"articleSection\":\"Buyer Intelligence, Buyer Intelligence, Buying property in Spain, Costa del Sol, Property Spain, Optioneel\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/category\\\/buyer-intelligence\\\/#listItem\",\"name\":\"Buyer Intelligence\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/category\\\/buyer-intelligence\\\/#listItem\",\"position\":2,\"name\":\"Buyer Intelligence\",\"item\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/category\\\/buyer-intelligence\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#listItem\",\"name\":\"How much does it really cost to buy a home on the Costa del Sol?\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#listItem\",\"position\":3,\"name\":\"How much does it really cost to buy a home on the Costa del Sol?\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/category\\\/buyer-intelligence\\\/#listItem\",\"name\":\"Buyer Intelligence\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/#organization\",\"name\":\"MDR Luxury Homes\",\"description\":\"MDR Luxury Homes is a boutique real estate advisory firm on the Costa del Sol, guiding international buyers through the purchase of second homes, investments and luxury properties with a personalised, lifestyle-first approach.\",\"url\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/\",\"email\":\"mdr@mdrluxuryhomes.com\",\"telephone\":\"+34682640835\",\"foundingDate\":\"2020-01-02\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"value\":2},\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/MDR.png\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#organizationLogo\",\"width\":254,\"height\":48,\"caption\":\"#image_title\"},\"image\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#organizationLogo\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/MDRLuxuryHomes\\\/\",\"https:\\\/\\\/www.instagram.com\\\/myriam.deroye\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8MTEs1PevrMc-ZGSpLC7lw\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/myriam-de-roye\"],\"address\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/#postaladdress\",\"@type\":\"PostalAddress\",\"streetAddress\":\"Costa del Sol\",\"addressCountry\":\"ES\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/author\\\/myriam\\\/#author\",\"url\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/author\\\/myriam\\\/\",\"name\":\"Myriam\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#authorImage\",\"url\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/wp-content\\\/wphb-cache\\\/gravatar\\\/d85\\\/d8566797425e8e54a0d9cfab89a93da9x96.jpg\",\"width\":96,\"height\":96,\"caption\":\"Myriam\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#webpage\",\"url\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/\",\"name\":\"Buyer's Costs in Spain: What Does a Home Really Cost? | MDR\",\"description\":\"Expect an additional 9 to 10% for existing properties and 13 to 14% for new construction. A complete guide to all buyer costs in Spain, with a sample calculation for the Costa del Sol.\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/author\\\/myriam\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/author\\\/myriam\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#mainImage\",\"width\":1536,\"height\":1024,\"caption\":\"#image_title\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/costs-to-buyer-spain\\\/#mainImage\"},\"datePublished\":\"2026-10-06T16:30:48+02:00\",\"dateModified\":\"2026-10-07T15:50:49+02:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/\",\"name\":\"MDR Luxury Homes\",\"alternateName\":\"MDR\",\"description\":\"Boutique real estate advisors on the Costa del Sol, guiding international clients to the right home, location and lifestyle.\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/mdrluxuryhomes.com\\\/en\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO Pro -->\r\n\t\t<title>Buyer's Costs in Spain: What Does a Home Really Cost? | MDR<\/title>\n\n","aioseo_head_json":{"title":"Buyer's Costs in Spain: What Does a Home Really Cost? | MDR","description":"Expect an additional 9 to 10% for existing properties and 13 to 14% for new construction. A complete guide to all buyer costs in Spain, with a sample calculation for the Costa del Sol.","canonical_url":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#blogposting","name":"Buyer's Costs in Spain: What Does a Home Really Cost? | MDR","headline":"How much does it really cost to buy a home on the Costa del Sol?","author":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/author\/myriam\/#author"},"publisher":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/mdrluxuryhomes.com\/wp-content\/uploads\/2026\/10\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg","width":1536,"height":1024,"caption":"#image_title"},"datePublished":"2026-10-06T16:30:48+02:00","dateModified":"2026-10-07T15:50:49+02:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#webpage"},"isPartOf":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#webpage"},"articleSection":"Buyer Intelligence, Buyer Intelligence, Buying property in Spain, Costa del Sol, Property Spain, Optioneel"},{"@type":"BreadcrumbList","@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/mdrluxuryhomes.com\/en\/#listItem","position":1,"name":"Home","item":"https:\/\/mdrluxuryhomes.com\/en\/","nextItem":{"@type":"ListItem","@id":"https:\/\/mdrluxuryhomes.com\/en\/category\/buyer-intelligence\/#listItem","name":"Buyer Intelligence"}},{"@type":"ListItem","@id":"https:\/\/mdrluxuryhomes.com\/en\/category\/buyer-intelligence\/#listItem","position":2,"name":"Buyer Intelligence","item":"https:\/\/mdrluxuryhomes.com\/en\/category\/buyer-intelligence\/","nextItem":{"@type":"ListItem","@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#listItem","name":"How much does it really cost to buy a home on the Costa del Sol?"},"previousItem":{"@type":"ListItem","@id":"https:\/\/mdrluxuryhomes.com\/en\/#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#listItem","position":3,"name":"How much does it really cost to buy a home on the Costa del Sol?","previousItem":{"@type":"ListItem","@id":"https:\/\/mdrluxuryhomes.com\/en\/category\/buyer-intelligence\/#listItem","name":"Buyer Intelligence"}}]},{"@type":"Organization","@id":"https:\/\/mdrluxuryhomes.com\/en\/#organization","name":"MDR Luxury Homes","description":"MDR Luxury Homes is a boutique real estate advisory firm on the Costa del Sol, guiding international buyers through the purchase of second homes, investments and luxury properties with a personalised, lifestyle-first approach.","url":"https:\/\/mdrluxuryhomes.com\/en\/","email":"mdr@mdrluxuryhomes.com","telephone":"+34682640835","foundingDate":"2020-01-02","numberOfEmployees":{"@type":"QuantitativeValue","value":2},"logo":{"@type":"ImageObject","url":"https:\/\/mdrluxuryhomes.com\/wp-content\/uploads\/2026\/02\/MDR.png","@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#organizationLogo","width":254,"height":48,"caption":"#image_title"},"image":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#organizationLogo"},"sameAs":["https:\/\/www.facebook.com\/MDRLuxuryHomes\/","https:\/\/www.instagram.com\/myriam.deroye\/","https:\/\/www.youtube.com\/channel\/UC8MTEs1PevrMc-ZGSpLC7lw","https:\/\/www.linkedin.com\/in\/myriam-de-roye"],"address":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/#postaladdress","@type":"PostalAddress","streetAddress":"Costa del Sol","addressCountry":"ES"}},{"@type":"Person","@id":"https:\/\/mdrluxuryhomes.com\/en\/author\/myriam\/#author","url":"https:\/\/mdrluxuryhomes.com\/en\/author\/myriam\/","name":"Myriam","image":{"@type":"ImageObject","@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#authorImage","url":"https:\/\/mdrluxuryhomes.com\/wp-content\/wphb-cache\/gravatar\/d85\/d8566797425e8e54a0d9cfab89a93da9x96.jpg","width":96,"height":96,"caption":"Myriam"}},{"@type":"WebPage","@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#webpage","url":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/","name":"Buyer's Costs in Spain: What Does a Home Really Cost? | MDR","description":"Expect an additional 9 to 10% for existing properties and 13 to 14% for new construction. A complete guide to all buyer costs in Spain, with a sample calculation for the Costa del Sol.","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/#website"},"breadcrumb":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#breadcrumblist"},"author":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/author\/myriam\/#author"},"creator":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/author\/myriam\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/mdrluxuryhomes.com\/wp-content\/uploads\/2026\/10\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg","@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#mainImage","width":1536,"height":1024,"caption":"#image_title"},"primaryImageOfPage":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/#mainImage"},"datePublished":"2026-10-06T16:30:48+02:00","dateModified":"2026-10-07T15:50:49+02:00"},{"@type":"WebSite","@id":"https:\/\/mdrluxuryhomes.com\/en\/#website","url":"https:\/\/mdrluxuryhomes.com\/en\/","name":"MDR Luxury Homes","alternateName":"MDR","description":"Boutique real estate advisors on the Costa del Sol, guiding international clients to the right home, location and lifestyle.","inLanguage":"en-US","publisher":{"@id":"https:\/\/mdrluxuryhomes.com\/en\/#organization"}}]},"og:locale":"en_US","og:site_name":"MDR Luxury Homes | Boutique real estate advisors on the Costa del Sol, guiding international clients to the right home, location and lifestyle.","og:type":"article","og:title":"Buyer's Costs in Spain: What Does a Home Really Cost? | MDR","og:description":"Expect an additional 9 to 10% for existing properties and 13 to 14% for new construction. A complete guide to all buyer costs in Spain, with a sample calculation for the Costa del Sol.","og:url":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/","og:image":"https:\/\/mdrluxuryhomes.com\/wp-content\/uploads\/2026\/10\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg","og:image:secure_url":"https:\/\/mdrluxuryhomes.com\/wp-content\/uploads\/2026\/10\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg","og:image:width":1536,"og:image:height":1024,"article:published_time":"2026-10-06T14:30:48+00:00","article:modified_time":"2026-10-07T13:50:49+00:00","article:publisher":"https:\/\/www.facebook.com\/MDRLuxuryHomes\/","twitter:card":"summary_large_image","twitter:title":"Buyer's Costs in Spain: What Does a Home Really Cost? | MDR","twitter:description":"Expect an additional 9 to 10% for existing properties and 13 to 14% for new construction. A complete guide to all buyer costs in Spain, with a sample calculation for the Costa del Sol.","twitter:image":"https:\/\/mdrluxuryhomes.com\/wp-content\/uploads\/2026\/10\/Werktafel-met-aankoopdocumenten-en-uitzicht-over-de-Costa-del-Sol-featured-image.jpg"},"aioseo_meta_data":{"post_id":"435478","title":"Buyer's Costs in Spain: What Does a Home Really Cost? #separator_sa MDR","description":"Expect an additional 9 to 10% for existing properties and 13 to 14% for new construction. A complete guide to all buyer costs in Spain, with a sample calculation for the Costa del Sol.","keywords":null,"keyphrases":{"focus":{"keyphrase":"kosten koper Spanje","score":0,"analysis":[]},"additional":[{"keyphrase":"kosten koper Costa del Sol","score":0},{"keyphrase":"aankoopkosten woning Spanje","score":0},{"keyphrase":"overdrachtsbelasting Spanje","score":0}]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-10-07 13:51:47","breadcrumb_settings":null,"limit_modified_date":false,"reviewed_by":"0","open_ai":null,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-10-06 14:31:57","updated":"2026-10-07 14:07:55","focus_keyword":"kosten koper Spanje","additional_keywords":[{"word":"kosten koper Costa del Sol","score":69,"items":{"introductionKeyword":{"score":3},"keyphraseLength":{"score":6},"keyphraseDensity":{"score":4},"functionWordsInKeyphrase":{"score":9},"textCompetingLinks":{"score":9},"imageKeyphrase":{"score":6}}},{"word":"aankoopkosten woning Spanje","score":74,"items":{"introductionKeyword":{"score":3},"keyphraseLength":{"score":9},"keyphraseDensity":{"score":4},"functionWordsInKeyphrase":{"score":9},"textCompetingLinks":{"score":9},"imageKeyphrase":{"score":6}}},{"word":"overdrachtsbelasting Spanje","score":74,"items":{"introductionKeyword":{"score":3},"keyphraseLength":{"score":9},"keyphraseDensity":{"score":4},"functionWordsInKeyphrase":{"score":9},"textCompetingLinks":{"score":9},"imageKeyphrase":{"score":6}}}],"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/mdrluxuryhomes.com\/en\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/mdrluxuryhomes.com\/en\/category\/buyer-intelligence\/\" title=\"Buyer Intelligence\">Buyer Intelligence<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\tHow much does it really cost to buy a home on the Costa del Sol?\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/mdrluxuryhomes.com\/en\/"},{"label":"Buyer Intelligence","link":"https:\/\/mdrluxuryhomes.com\/en\/category\/buyer-intelligence\/"},{"label":"How much does it really cost to buy a home on the Costa del Sol?","link":"https:\/\/mdrluxuryhomes.com\/en\/costs-to-buyer-spain\/"}],"_links":{"self":[{"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/posts\/435478","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/comments?post=435478"}],"version-history":[{"count":0,"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/posts\/435478\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/media\/435479"}],"wp:attachment":[{"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/media?parent=435478"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/categories?post=435478"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mdrluxuryhomes.com\/en\/wp-json\/wp\/v2\/tags?post=435478"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}