Question 1

What taxes do I pay when buying a resale property in Andalusia?

Accepted Answer

Resale purchases in Andalusia are subject to the Property Transfer Tax (ITP), at the general rate set by the regional government, with reduced rates in specific cases. The tax base is the higher of the purchase price and the official cadastral reference value. Current rates are published by the Andalusian Tax Agency.

Question 2

What taxes apply to a new-build property in Andalusia?

Accepted Answer

New-build purchases from a developer are subject to VAT (IVA) on the price plus Stamp Duty (AJD) on the deed, instead of ITP. VAT is set by national law and AJD by the Andalusian government; current rates are published by the tax authorities.

Question 3

What is the reference value (‘valor de referencia’) and why does it matter?

Accepted Answer

The reference value is an official market-based value set by the Spanish Cadastre for tax purposes. It is not the cadastral value used to calculate IBI, and it is not the 20-character cadastral reference number that identifies the property. For resale purchases, if it is higher than the price you pay, the transfer tax is calculated on the reference value instead of the price. You can check it free of charge on the official Catastro website.

Question 4

What other costs should I budget for besides taxes?

Accepted Answer

Typical additional costs include your lawyer’s fees, notary fees, Land Registry fees and, optionally, a gestoría to handle the paperwork. Notary and registry fees follow official fee scales that depend on the price and the deed, while legal fees are not regulated and vary by firm, property value and scope of work. If you buy with a mortgage, you also pay the property valuation; since the 2019 mortgage law, the lender bears the stamp duty, notary and registry costs of the mortgage deed itself.

Question 5

Are the results of this calculator exact?

Accepted Answer

No. The calculator gives orientative ranges based on parameters reviewed on a stated date, and assumes a standard residential purchase. Reduced rates and special cases are not calculated. Always confirm the figures for your specific case with your legal or tax advisor and the official sources.

Property Buying Costs in Andalusia

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Property Buying Costs in Andalusia

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