ITP in Spain, notary, land registry, lawyer — the full cost overview for buyers in Spain. ITP is the transfer tax on a resale purchase; as a property purchase tax in Spain it is levied by region, so the rate depends on where you buy.
Buyers in Spain pay roughly 10 to 13 % on top of the purchase price in additional costs. The largest item is the regional transfer tax, ITP on a resale, plus notary, land registry, lawyer and NIE. Banks finance the price, not the costs, so you cover them from equity.
The largest item is the regional ITP, the transfer tax of 6.5 to 13%. Purchase costs in Spain can't be financed and come on top of equity.
How high are the purchase costs? In Spain 10–13% of the price — the largest item is the regional ITP (transfer tax, 6.5–13%), plus notary, land registry, lawyer and NIE. Getting your NIE.
Are they on top of the equity? Yes — purchase costs can't be financed and come on top of equity. At 70% LTV with 11% costs you need about 41% of the price in your own funds.
Since 2018 the bank, not the buyer (Real Decreto-ley 17/2018). You pay AJD only on a new build, on the purchase deed. Financing a new build in stages.
Which items make up the cost of buying property in Spain, and why must equity cover them? The cost of buying property in Spain comes to roughly 10 to 13 % on top of the purchase price.
The largest item is transfer tax: in Spain the ITP on resale properties, whose rate varies by autonomous region, and on new builds the IVA plus AJD instead.
Add notary and land registry, legal fees, and — if you finance — the cost of the tasación (valuation) and bank charges. Crucial for your calculation: banks finance the purchase price, not the incidental costs.
You must cover those from equity, on top of your share of the price, because only the lower of price and tasación is lent against.
Buyers who build the purchase costs into their financing from the start avoid the most common gap among foreign buyers just before the notary appointment: enough money for the property, too little for everything around the purchase.
When buying a resale property in Spain, the ITP (Impuesto de Transmisiones Patrimoniales) applies — and its rate depends on the autonomous community. This makes a considerable difference.
ITP is 6.5 % in the Canary Islands, 7 % in Andalusia, 6 % in Madrid, from 8 % in the Balearics, 9 % up to €1m in the Valencian Community and 10 to 13 % in Catalonia.
On a typical Mallorca purchase of €400,000 you pay approx. 10–11 % in costs on top:
Buying in Portugal? The purchase costs there are under IMT for non-residents.
What was actually paid in this area. Portal prices are what sellers ask. What was recorded at the notary is published by the Spanish notaries themselves: the Portal Estadístico del Notariado — free, no registration, and searchable down to postcode level.
In the first quarter of 2026 the prices paid ran 29 per cent below asking prices, the widest gap since 2007. For a mortgage that is the figure that counts: the bank's valuer works from completed sales, not from listings. → Portal Estadístico del Notariado · What that means for your financing · Where the numbers come from
For the bank enquiry we need your key data. Fill in the bilingual self-disclosure form (DE/EN, incl. NIE) — the basis of every financing in Spain.
Free · no tax or legal advice.
| Item | Amount |
|---|---|
| ITP 8 % (Balearics) | €32,000 |
| Notary (0.5–1 %) | €2,000–4,000 |
| Land registry (0.3–0.5 %) | €1,200–2,000 |
| Lawyer (1 %) | €4,000 |
| NIE application | ~€12 (state) + €200–600 (service) |
| Total costs | ~€39,500–42,500 (10–11 %) |
Model calculation, no guarantee. Actual costs vary by notary, lawyer and mortgage.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
Depending on the region, 10–13 % of the purchase price. The largest item is the ITP (transfer tax): Balearics banded 8–13 % (from €400,000 tiered up, 13 % above €2m), Andalusia 7 %, Catalonia banded 10–13 % (Decret llei 5/2025), Valencia 9 %, Canaries 6.5 %. Plus notary (0.5–1 %), land registry (0.3–0.5 %), lawyer (1 %) and the NIE application. AJD on the mortgage has been paid by the bank, not the buyer, since 2018.
No, on the contrary: purchase costs must be provided in addition to equity because they cannot be financed. At 70 % LTV in Spain and 11 % costs you therefore need 30 + 11 = approx. 41 % of the purchase price in your own funds.
Typical fees: 1 % of the purchase price, at least €1,500–2,000. For purchases with more to check (developers, renovation properties) the fee is higher. A good lawyer checks charges, defects and licences — and is worth the money.
Not you — the bank. Since 10 November 2018 the lender is the taxable person for AJD on mortgage deeds (Real Decreto-ley 17/2018, confirmed by Ley 5/2019). It is no longer a buyer's cost and cannot be passed on to you by contract clause.
As a buyer you pay AJD only on a new build — there on the purchase deed, because that deed is subject to IVA; roughly 0.75–1.5 % depending on the region (Comunitat Valenciana 1.4 %).
We compare banks in Spain and Germany for your specific situation and find the right solution — without upfront costs.
House prices Spain: the notaries publish the prices recorded in the deeds, down to postcode level — in Q1 2026, 29 % below portal asking prices.
Mortgage broker in Spain for partners: you have the contact, the financing is missing. For estate agents, developers, insurance brokers and advisers.
Licence under § 34i GewO, register D-W-132-ZUCB-95 — verify every entry yourself with the authorities before you recommend Perini to a client.
Stage payments in Spain: the developer wants instalments during construction; the Spanish bank pays at handover. One of the 30+ lenders we approach closes that gap.
Remortgage in Spain as a non-resident: only two of 15–20 lenders will lend against an unencumbered property, as a rule up to 50 % of the valuation.
Buy a house in Spain with capital raised against an unencumbered German property — from one desk. The obstacle is not the value; it is the loan purpose.
Monthly payment, loan and purchase costs by region straight away; total cost and equity needed by email.
Content by Siegfried Perini — local brand representative since 2019, active in real estate since 1992, entered in the German intermediary register (§ 11a GewO) as a person directly involved in brokerage and advice. Point of contact for German-speaking buyers in Spain and Portugal. Brokerage by Olga Nikushkina, mortgage credit intermediary under § 34i German Trade Regulation (GewO); in Portugal through a locally licensed intermediary.