The True Cost of Owning a Property in Spain
The price on the listing is only part of what you'll spend. Taxes, legal fees, notary charges, banking costs and annual obligations can add between 10% and 15% on top of the purchase price — and many foreign buyers only discover this after they've committed.
This free guide gives you the full picture. From the moment you sign a reservation contract to the annual taxes you'll pay for years afterwards, every cost is explained with practical figures, worked examples and comparative tables. Written by the independent legal and fiscal team at Ábaco Advisers, it's designed to help you budget accurately and avoid surprises.
In this ebook you will find…
- A clear breakdown of all taxes on purchase: ITP, IVA and stamp duty (AJD), with rates by property type
- What legal and administrative fees to expect: solicitor, notary, land registry and gestoría costs
- How international transfers and mortgages can add thousands to your bill — and how to reduce them
- The ongoing costs of ownership: IBI, community fees, insurance and utilities, with annual estimates
- Your tax obligations as a non-resident property owner: Form 210, wealth tax and double taxation agreements
- What it costs to sell: capital gains tax, the 3% retention, certificates and plusvalía municipal
And we share our expert guidance to help you protect your budget at every stage of the process.
Fill out our form and get the full cost breakdown before your next property decision!
