Numbers worth knowing before you buy
Four quiet instruments for an international buyer: what a purchase costs on top of the price, what a mortgage repays each month, how the coast compares with home, and what it is doing today. All indicative, none of them a quotation.
What buying costs on top of the price
Taxes, notary, registry and legal fees depend on what you buy and whether it is financed. Choose the type of purchase, adjust any line, and read the total.
Leave at 0 for a purchase without a mortgage.
Andalucía general rate · Ley 5/2021, art. 41
| Line | Amount |
|---|---|
| ITP, transfer tax · 7.0% | €70,000 |
| Notary | €1,000 |
| Land registry | €700 |
| Lawyer, share of price · 1.0% | €10,000 |
| IVA on the lawyer · 21.0% | €2,100 |
| Total purchase costs | €83,800 |
- Total costs as % of price
- 8.38%
- Funds needed (price + costs − mortgage)
- €1,083,800
Indicative only. This is an indicative estimate. Rates are set by the Junta de Andalucía and the State and are revised from time to time; the defaults were retrieved on 21 October 2026. Notary, registry and legal fees vary by case. Confirm every figure in writing with your lawyer before committing.
A monthly repayment, worked out plainly
Set the price, the share you borrow, the rate and the term. The repayment is the standard French amortisation: a fixed instalment, interest first, capital later.
The rate may be fixed for the whole term or variable, following a reference index. This calculator assumes one constant rate; a variable loan will move with the index.
- Loan amount
- €700,000
- Deposit needed
- €300,000
- Total interest over the term
- €248,634
- Total repaid
- €948,634
Plus purchase costs: see the calculator above.
Indicative only. This is an indicative estimate, not an offer. Lending terms, rates and ceilings differ by lender and applicant and are revised from time to time; fees and insurance are not included. Confirm the actual terms in writing with the lender and with your lawyer before committing.
Right now, on the coast.
The sea temperature, the sunshine, the afternoon breeze: read from the coast this very minute, because the climate is half of what you are really buying.
Compare it with home.
+1,230 hours of sun, every year.
Official 1991–2020 climate normals
Turn the estimate into a plan
Paula can walk you through the figures for a specific property, in writing and without obligation.