{"id":53403,"date":"2026-03-14T17:49:35","date_gmt":"2026-03-14T16:49:35","guid":{"rendered":"https:\/\/costaprimerealty.com\/?p=53403"},"modified":"2026-03-21T21:39:25","modified_gmt":"2026-03-21T20:39:25","slug":"additional-property-costs-costa-del-sol","status":"publish","type":"post","link":"https:\/\/costaprimerealty.com\/bg\/additional-property-costs-costa-del-sol\/","title":{"rendered":"\u0414\u043e\u043f\u044a\u043b\u043d\u0438\u0442\u0435\u043b\u043d\u0438 \u0440\u0430\u0437\u0445\u043e\u0434\u0438 \u0437\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u0438 \u0438\u043c\u043e\u0442\u0438 \u043f\u0440\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0430 \u043d\u0430 \u0438\u043c\u043e\u0442 \u0432 \u041a\u043e\u0441\u0442\u0430 \u0434\u0435\u043b \u0421\u043e\u043b (\u0410\u043d\u0434\u0430\u043b\u0443\u0441\u0438\u044f)"},"content":{"rendered":"<p>Whether you are planning a holiday home, retirement residence or long-term investment, buying property on the Costa del Sol is an exciting step.<\/p>\n\n\n\n<p>However, many international buyers are taken aback by the <strong>additional purchase costs<\/strong>.<\/p>\n\n\n\n<p>When <strong><a href=\"https:\/\/costaprimerealty.com\/bg\/how-to-buy-a-property-in-spain\/\" type=\"link\" id=\"https:\/\/costaprimerealty.com\/how-to-buy-a-property-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0437\u0430\u043a\u0443\u043f\u0443\u0432\u0430\u043d\u0435 \u043d\u0430 \u0438\u043c\u043e\u0442 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u044f<\/a><\/strong>, you will incur <strong>additional costs such as <a href=\"https:\/\/costaprimerealty.com\/bg\/property-taxes-on-the-costa-del-sol\/\" type=\"link\" id=\"https:\/\/costaprimerealty.com\/property-taxes-on-the-costa-del-sol\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0434\u0430\u043d\u044a\u0446\u0438<\/a>, legal fees and notary expenses<\/strong>. Based on my experience of helping buyers in Benalm\u00e1dena, I would recommend budgeting an <strong>additional 10\u201314% of the property price<\/strong> to comfortably cover these costs.<\/p>\n\n\n\n<p>That&#8217;s why I always explain this during the first call with our clients. A budget of 300,000 euros doesn&#8217;t mean a property price of 300K. It means a property for around 270,000 euros.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Typical Additional Costs When Buying Property in Andalusia<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"2240\" height=\"1260\" src=\"https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Spanish-Bank.png\" alt=\"Spanish bank used for property purchases and mortgage financing in Spain\" class=\"wp-image-53408\" srcset=\"https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Spanish-Bank.png 2240w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Spanish-Bank-1536x864.png 1536w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Spanish-Bank-2048x1152.png 2048w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Spanish-Bank-18x10.png 18w\" sizes=\"(max-width: 2240px) 100vw, 2240px\" \/><figcaption class=\"wp-element-caption\">Spanish banks typically finance 60\u201370% of property purchases for non-residents.<\/figcaption><\/figure>\n\n\n\n<p>Several standard costs apply across the Costa del Sol <a href=\"https:\/\/costaprimerealty.com\/bg\/%d0%ba%d0%b0%d0%ba%d1%8a%d0%b2-%d0%b5-%d0%bf%d0%b0%d0%b7%d0%b0%d1%80%d1%8a%d1%82-%d0%bd%d0%b0-%d0%bd%d0%b5%d0%b4%d0%b2%d0%b8%d0%b6%d0%b8%d0%bc%d0%b8-%d0%b8%d0%bc%d0%be%d1%82%d0%b8-%d0%b2-%d0%b8%d1%81\/\" type=\"link\" id=\"https:\/\/costaprimerealty.com\/how-is-the-real-estate-market-in-spain-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>real estate market<\/strong><\/a>, whether you buy a resale property or a new build.<\/p>\n\n\n\n<p>The most common additional expenses include:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/www.juntadeandalucia.es\/organismos\/economiahaciendayfondoseuropeos\/areas\/tributos-juego\/tributos\/paginas\/impuestos-cedidos-transmisiones.html\" type=\"link\" id=\"https:\/\/www.juntadeandalucia.es\/organismos\/economiahaciendayfondoseuropeos\/areas\/tributos-juego\/tributos\/paginas\/impuestos-cedidos-transmisiones.html\" target=\"_blank\" rel=\"noreferrer noopener\">Property Transfer Tax (ITP)<\/a>:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For resale properties in Andalusia, <strong>buyers pay a 7% transfer tax<\/strong> based on the purchase price.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/www.juntadeandalucia.es\/temas\/vivienda-consumo\/compra\/impuestos.html\" type=\"link\" id=\"https:\/\/www.juntadeandalucia.es\/temas\/vivienda-consumo\/compra\/impuestos.html\" target=\"_blank\" rel=\"noreferrer noopener\">VAT (IVA) for new properties<\/a>:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>New builds are taxed differently. Instead of transfer tax, <strong>buyers pay 10% VAT<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Stamp duty (AJD):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applied mainly to new builds and mortgages. In Andalusia, this is usually <strong>around 1.2%<\/strong> of the purchase price.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Notary Fees:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cover the cost of the notary preparing and certifying the official purchase deed. This usually costs <strong>between \u20ac800 and \u20ac1,200<\/strong>, depending on the property price.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Land Registry Fees: <\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Registering the property in the buyer\u2019s name <strong>typically costs \u20ac400\u2013\u20ac800<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Legal Fees:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It is essential to hire a good independent lawyer when buying property in Spain. Legal services normally cost around <strong>1% of the purchase price<\/strong> plus VAT.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Additional Administrative and Document Costs <\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>May add a <strong>further \u20ac300\u2013600<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>From a practical perspective, one of the most important tips I share with clients is to <strong>always calculate the full purchase budget<\/strong> before choosing a property. This will prevent any surprises later in the process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Example: Total Costs for a \u20ac300,000 Resale Property<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"2240\" height=\"1260\" src=\"https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Second-Hand-Properties.png\" alt=\"Second hand property on the Costa del Sol subject to 7 percent transfer tax\" class=\"wp-image-53407\" srcset=\"https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Second-Hand-Properties.png 2240w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Second-Hand-Properties-1536x864.png 1536w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Second-Hand-Properties-2048x1152.png 2048w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Second-Hand-Properties-18x10.png 18w\" sizes=\"(max-width: 2240px) 100vw, 2240px\" \/><figcaption class=\"wp-element-caption\">Resale properties in Andalusia are subject to a 7% property transfer tax.<\/figcaption><\/figure>\n\n\n\n<p>Let\u2019s look at a realistic example for a <strong>second-hand <a href=\"https:\/\/costaprimerealty.com\/bg\/search-results\/?type%5B%5D=apartment&amp;type%5B%5D=house&amp;bedrooms=&amp;bathrooms=&amp;min-area=&amp;max-area=&amp;min-price=300000&amp;max-price=350000\" type=\"link\" id=\"https:\/\/costaprimerealty.com\/search-results\/?type%5B%5D=apartment&amp;type%5B%5D=house&amp;bedrooms=&amp;bathrooms=&amp;min-area=&amp;max-area=&amp;min-price=300000&amp;max-price=350000\" target=\"_blank\" rel=\"noreferrer noopener\">property on the Costa del Sol priced at \u20ac300,000<\/a><\/strong>. This price level often represents a good apartment or townhouse in a decent location.<\/p>\n\n\n\n<p>Estimated additional costs:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Property Transfer Tax (7%): <strong>\u20ac21,000<\/strong><\/li>\n\n\n\n<li>Legal fees (1% + VAT approx.): <strong>\u20ac3,600<\/strong><\/li>\n\n\n\n<li>Notary fees: <strong>~\u20ac1,000<\/strong><\/li>\n\n\n\n<li>Land Registry: <strong>~\u20ac600<\/strong><\/li>\n\n\n\n<li>Administrative costs: <strong>~\u20ac400<\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>Estimated total additional costs:<\/strong><br><strong>\u2248 \u20ac26,600<\/strong><\/p>\n\n\n\n<p><strong>Total purchase budget:<\/strong><br><strong>\u2248 \u20ac326,600<\/strong><\/p>\n\n\n\n<p>In practice, I usually advise buyers to keep around <strong>\u20ac30,000 available in cash<\/strong> for a purchase at this price point. It gives a comfortable margin for any small variations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Example: Total Costs for a \u20ac300,000 New Build Property<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"2240\" height=\"1260\" src=\"https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/New-build-home.png\" alt=\"Modern new build villa on the Costa del Sol property market\" class=\"wp-image-53405\" srcset=\"https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/New-build-home.png 2240w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/New-build-home-1536x864.png 1536w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/New-build-home-2048x1152.png 2048w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/New-build-home-18x10.png 18w\" sizes=\"(max-width: 2240px) 100vw, 2240px\" \/><figcaption class=\"wp-element-caption\">New developments on the Costa del Sol typically include VAT and stamp duty costs.<\/figcaption><\/figure>\n\n\n\n<p><strong>New developments are increasingly popular on the Costa del Sol<\/strong>, especially with international buyers looking for modern design, energy efficiency, and community facilities.<\/p>\n\n\n\n<p>For a <strong><a href=\"https:\/\/costaprimerealty.com\/bg\/search-results\/?type%5B%5D=new-development&amp;bedrooms=&amp;bathrooms=&amp;min-area=&amp;max-area=&amp;min-price=300000&amp;max-price=350000\" type=\"link\" id=\"https:\/\/costaprimerealty.com\/search-results\/?type%5B%5D=new-development&amp;bedrooms=&amp;bathrooms=&amp;min-area=&amp;max-area=&amp;min-price=300000&amp;max-price=350000\" target=\"_blank\" rel=\"noreferrer noopener\">new build priced at \u20ac300,000<\/a><\/strong>, the cost structure looks slightly different.<\/p>\n\n\n\n<p>Estimated additional costs:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>VAT (10%): <strong>\u20ac30,000<\/strong><\/li>\n\n\n\n<li>Stamp Duty AJD (1.2%): <strong>\u20ac3,600<\/strong><\/li>\n\n\n\n<li>Legal fees (1% + VAT approx.): <strong>\u20ac3,600<\/strong><\/li>\n\n\n\n<li>Notary fees: <strong>~\u20ac1,000<\/strong><\/li>\n\n\n\n<li>Land Registry: <strong>~\u20ac600<\/strong><\/li>\n\n\n\n<li>Administrative costs: <strong>~\u20ac400<\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>Estimated total additional costs:<\/strong><br><strong>\u2248 \u20ac39,600<\/strong><\/p>\n\n\n\n<p><strong>Total purchase budget:<\/strong><br><strong>\u2248 \u20ac339,600<\/strong><\/p>\n\n\n\n<p>This is why buyers of new properties typically need <strong>around 13\u201314% extra<\/strong> on top of the purchase price.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Cash Do Buyers Typically Need?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2240\" height=\"1260\" src=\"https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Online-Banking-Counting-Money.png\" alt=\"Calculating additional costs when buying property in Spain\" class=\"wp-image-53406\" srcset=\"https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Online-Banking-Counting-Money.png 2240w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Online-Banking-Counting-Money-1536x864.png 1536w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Online-Banking-Counting-Money-2048x1152.png 2048w, https:\/\/costaprimerealty.com\/wp-content\/uploads\/2026\/03\/Online-Banking-Counting-Money-18x10.png 18w\" sizes=\"(max-width: 2240px) 100vw, 2240px\" \/><figcaption class=\"wp-element-caption\">Buyers should budget 10\u201314% extra for taxes and legal costs when purchasing property in Spain.<\/figcaption><\/figure>\n\n\n\n<p>For most buyers <strong><a href=\"https:\/\/costaprimerealty.com\/bg\/%d0%ba%d1%83%d0%bf%d0%b8\/\" type=\"link\" id=\"https:\/\/costaprimerealty.com\/buy\/\" target=\"_blank\" rel=\"noreferrer noopener\">purchasing property on the Costa del Sol<\/a><\/strong>, <strong>additional costs must be covered by their own funds<\/strong>, even if they are taking out a Spanish mortgage.<\/p>\n\n\n\n<p>One rule that many buyers follow is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For a <strong>resale property<\/strong>, prepare for an <strong>additional 10\u201311%<\/strong><\/li>\n\n\n\n<li>For a <strong>new build property<\/strong>, prepare for around <strong>13\u201314% extra<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u0418\u0441\u043f\u0430\u043d\u0441\u043a\u0438 <strong>banks generally finance 60\u201370% for non-residents<\/strong>, meaning buyers usually need to have a significant portion of the purchase price, plus <a href=\"https:\/\/costaprimerealty.com\/bg\/property-taxes-on-the-costa-del-sol\/\" type=\"link\" id=\"https:\/\/costaprimerealty.com\/property-taxes-on-the-costa-del-sol\/\" target=\"_blank\" rel=\"noreferrer noopener\">all the taxes<\/a> and fees, in cash.<\/p>\n\n\n\n<p>Having lived in Benalm\u00e1dena for many years, I\u2019ve noticed that buyers who clearly <strong>understand the full financial picture<\/strong> feel far more relaxed during the process. Once everything is transparent, the purchase becomes much smoother.<\/p>\n\n\n\n<p><a href=\"https:\/\/costaprimerealty.com\/bg\/contact\/\" type=\"link\" id=\"https:\/\/costaprimerealty.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Get in touch<\/a> if you need further assistance. Our specialists can handle all legal, financial and documentation issues with ease and confidence.<\/p>","protected":false},"excerpt":{"rendered":"<p>Whether you are planning a holiday home, retirement residence or long-term investment, buying property on the Costa del Sol is an exciting step. However, many international buyers are taken aback by the additional purchase costs. When buying property in Spain, you will incur additional costs such as taxes, legal fees and notary expenses. Based on [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":53410,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[150,149,153],"tags":[384,374,208,207,368,335,337],"class_list":["post-53403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal","category-taxes","category-guides","tag-ajd","tag-financial","tag-for-families","tag-for-investors","tag-itp","tag-taxes","tag-vat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>All Costs When Purchasing a Property on The Costa del Sol<\/title>\n<meta name=\"description\" content=\"Discover the real cost of buying property on the Costa del Sol. 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