Costs of buying property in Andalusia
Line-by-line costs for a resale home in Andalusia: transfer tax, notary, Land Registry, lawyer, gestoria, NIE, valuation and mortgage opening. See the figures below, then check them on the calculator.
Every cost line, in order
These are the main costs on a resale purchase in Andalusia. Tax rates come from the law. Fee figures are our estimates for a €300,000 home, and yours depend on the property and the professionals you choose.
| Cost line | Figure | How it is set | Basis |
|---|---|---|---|
| ITP (transfer tax) | 7% | On the purchase price or the taxable value, whichever is higher | Law 5/2021 of Andalusia (BOE) |
| AJD (stamp duty) | €0 on a resale | A sale that pays ITP does not pay AJD on the deed, and the lender pays it on the mortgage deed. The 1.2% applies to new builds | Royal Legislative Decree 1/1993, articles 29 and 31.2 (BOE) |
| Notary | About €730 | Our range: €600 to €1,200, rising with the price | Our estimate |
| Land Registry | About €400 | Our range: €300 to €750, rising with the price | Our estimate |
| Lawyer | 1% + IVA | Of the purchase price, plus VAT at 21% | Our estimate |
| Gestoria | €300 to €500 | Administration and paperwork handling | Our estimate |
| NIE number | Under €15 | Foreigner identity number; the official fee is small, so check the current amount when you apply | Our estimate |
| Valuation | €300 to €500 | Required by the bank for a mortgage application | Our estimate |
| Mortgage opening | 0.5% to 1% | Of the loan amount; some banks waive it | Our estimate |
What this means for a buyer
On top of the purchase price, budget about 9% for taxes and fees: roughly €26,000 to €28,000 on a €300,000 home, using the figures above. A non-resident buyer can usually borrow 60% to 70% of the price or valuation, so the cash needed on completion day is higher than the deposit alone.
Transfer tax
The main tax on a resale home in Andalusia, applied to the higher of the price or the taxable value.
Mortgage for non-residents
Spanish banks typically lend 60% to 70% of the price or valuation to non-resident buyers.
Total costs
Budget about 9% of the purchase price for tax, notary, registry, lawyer and gestoria or valuation combined.
This page lists official tax rates and our own fee estimates. It is not tax or legal advice and not a quote. Ask your independent lawyer for the exact figures for your purchase.
See your own figures
Put in the price and region and get every cost line, the cash needed on completion day and the yearly bills.
Questions buyers ask
Do I pay ITP or VAT in Andalusia?
On a resale home you pay ITP at 7%. On a new build you pay VAT at 10% plus stamp duty (AJD) at 1.2%. Ask an independent professional which rates apply to the property you are buying.
Who pays the notary and registry fees?
On the purchase deed the buyer usually pays them. The fee depends on the price and the length of the deed, so ask for a written estimate before booking.
Is the gestoria mandatory?
No, but many buyers use one to handle the paperwork with the administration. Their fee is a market price, not a set tariff, so compare two or three before choosing.
Where can I check the rates?
The ITP and AJD rates are in Andalusia's Law 5/2021, published in the official state bulletin (BOE). The notary and registry figures are our estimates. Your lawyer confirms the exact amounts for your purchase.