Benalmádena InsiderFree tool
Buying Costs Calculator
How much you will pay on top of the price when buying a home in Benalmádena and the rest of Andalucía.
Estimated costs
€26,780
8.9% of the price · total €326,780
- Transfer tax, ITP (7%)
- €21,000
- Notary (approx.)
- €1,100
- Land registry (approx.)
- €650
- Gestoría / admin (approx.)
- €400
- Lawyer (1% + VAT, approx.)
- €3,630
Indicative estimate, not tax advice. The tax office may apply the cadastral reference value if it is higher than the price. Confirm your case with a lawyer or tax adviser.
What the calculation includes
- Resale: transfer tax (ITP), generally 7% in Andalucía.
- New build: 10% VAT plus 1.2% stamp duty (AJD).
- Notary and land registry, estimated from the regulated fee scales.
- Admin (gestoría), an independent lawyer (optional) and the valuation if you buy with a mortgage.
We explain each item with examples in How much does it cost to buy a property in Benalmádena?.
Frequently asked questions
How much are buying costs in Spain?
In Andalucía, budget roughly 9–11% on top of the price for a resale home (mainly the 7% transfer tax) and 12–14% for a new build (10% VAT plus 1.2% stamp duty), including notary, land registry and legal fees.
Who pays the notary and land registry when buying a home?
By law and custom in Spain the buyer usually pays the notary and land registry for the purchase deed, unless the contract says otherwise. The seller pays the municipal plusvalía tax.
Is transfer tax calculated on the price I pay?
On the higher of the declared price and the cadastral reference value set by the tax office. If the reference value is higher, the tax is calculated on that figure.
Do non-residents pay more tax when buying?
No. Transfer tax, VAT and stamp duty are the same for residents and non-residents. The difference comes later: non-residents pay non-resident income tax every year on the property.
Already have a property in mind?
Tell us which one and we'll help you check the numbers before you make an offer.
Get in touch