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TAXES ON THE PURCHASE OF PROPERTY IN SPAIN

Depending on whether you purchase a resale Housing of or acquires a new property directly from the developer: 

If this is the first condition, it must pay the tax due to change of ownership (ITP) which is 10% of the price of housing. 

The value added tax (VAT) is 10% of the total value. 

You must make a payment by signing legally significant acts (AJD) -1% on paperwork and 0.2%. 

You also have to pay taxes on the notary (300 € - 1.000 €), the (0.5%) Free (calculated based on the assessed value of purchase) state (0.3%) and local. 

If you purchase a property using borrowed funds, bank charges will be 2% of the amount of the original loan plus paying job appraiser (0.2 to 0.4%). 

For example, to calculate the value of all payments to purchase a property tax of 100,000 euros, 50% of which are credit lines: 

  VAT (10%) - 10.000 € 

   AJD (1%) - 1,000 € 

   Notario (Notary) - 500 € 

   Register (Register) (0.3%) - 300 € 

   Gestoria (0.2%) - 200 € 

Expense Mortgage (mortgage costs) (2%) € 2,000 (mandatory life insurance for mortgages, which is not taken into account in these calculations, the amount depends on age) 

Home Insurance (Property Insurance) € -250 

Valuation (0.3%) - 300 €. 

 

Total: 13,550€