Tool 02 · Pilot · Free
What does buying a Marbella property actually cost?
Spanish closing costs land at 10–12% on a resale or 13–14% on a new build. Line-itemed instantly.
Inputs
Total acquisition cost
€1,633,500
Purchase €1,500,000 + closing €133,500 (8.9% of price).
Purchase price
€1,500,000
Resale
Closing costs
€133,500
8.9% of price
Cash-on-day-1
€15,000
reservation deposit
All-in cash
€1,633,500
price + closing
Closing-cost composition
Each segment proportional to its share of total closing costs.
Resale vs New build
Switching to a new build would save ~€63,000. New builds carry IVA + AJD instead of ITP.
Cash-out timeline
Day 0
€15,000
Reservation deposit (~1%)
2-4 weeks
€135,000
Private contract deposit (top up to ~10%)
Day 60-90
€1,468,500
Notary completion (90% balance + closing costs)
Total cash deployed: €1,633,500. Spanish purchase typically closes 60–90 days from offer acceptance.
Line-item breakdown
- Purchase price
- €1,500,000
- ITP transfer tax (7%)
- €105,000
- Notary fees (~0.5%)
- €7,500
- Land registry (~0.4%)
- €6,000
- Lawyer / due diligence (~1%)
- €15,000
Resale costs: ITP transfer tax (7%) + notary (~0.5%) + registry (~0.4%) + legal (~1%). New build costs: IVA (10%) + AJD stamp duty (1.2%) + same notary/registry/legal. Mortgage adds ~1.5% AJD + bank fees.
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