Goal and budget
How you picture your life here, the area, the full cost of buying, and the annual upkeep you're comfortable with. A real budget covers not just the purchase price but also the costs of owning.
Buying in Spain
Step by step, no small print.
Buying is nine steps. None of them is daunting once you know the order: what gets decided, which documents, how much money, and where the main risk lies.
Buying property in Spain step by step: the NIE, reservation and deposit, the notary, the ITP and IVA taxes in the Comunidad Valenciana and the full budget for the purchase.
Roadmap
From an idea — to a home that works for you.
Searching, checking, and life after the purchase are one process. The golden rule throughout: the reservation and deposit are signed only after checks are done. Never before.
Choosing an area
The beach, services, the street's slope, winter, the car, and the airport — before finishes and furniture.
NIE and money
Foreigner's number, an account or transfer arrangement, source of funds — we prepare these in advance; we've been through bank compliance checks for Canada, the US, and Israel many times.
Viewing and assessment
The home, the noise, the entrance, and the surroundings — in person or by video call. Comparable sales, and an offer that isn't based on the asking price alone.
Building survey
Our inspection draws on experience with major renovations: damp, roofing, electrics, “fresh paint over a problem”. When a structural report is needed, we bring in a specialist.
Legal due diligence
Nota simple, ownership, debts (in Spain, these follow the property), the cadastre, licences, comunidad, IBI. A legal adviser reads every contract — that's our family rule.
Reservation and arras
The reservation is €3,000–6,000, and the deposit (arras) is usually 10%.
Notary, taxes, land registry
Sign in a single day — in your language, no interpreter needed. Taxes: resale ITP 9% (from 01.06.2026, based on the escritura date; above €1m — 11%), new build IVA 10% + AJD 1.4%.
The home is ready, and looked after
Utility meters, repairs, insurance, keys, maintenance — and rental, only if it's possible and you want it.
A tool with no registration
Work out the total budget for buying, not just the price.
The range differs for resale and new-build homes. Since June 2026, ITP has been cut from 10% to 9% — many sites still calculate with the old rate. We check the rate on the date of the transaction — that's our job, not yours.
Price500 000 €
Taxes and paperwork—
Estimated total—
Excludes mortgage, your personal tax situation, and optional services. Not tax advice.
Before the deposit
Emotion doesn't replace due diligence.
For us, checking means a visible status on every point, not one blanket “checked” stamp.
Nota simple / ownership / debtsWe check
Land registry, measurements, planning statusWe check
Licences and occupancy rightsWe check
IBI, comunidad, fees, and derramasWe check
Technical condition — our own inspectionWe check
Frequently asked questions
What's worth knowing in advance.
Yes. Ownership doesn't depend on a visa or residency status. You need an NIE (a tax number, not a residence permit) and a payment arrangement in place. The golden visa was scrapped in April 2025 — that doesn't affect your right to buy.
Yes, by power of attorney: viewings by video call, and a lawyer with power of attorney signs at the notary's on your behalf. Several of our clients from Toronto, Belgium and Sweden have bought this way with INFTOUR — they came to Calpe only to collect the keys. The reservation contract is signed, in any case, only after the property has been checked.
As a guide: resale ≈ 10–12% (ITP 9% + notary, land registry, gestoría), new build ≈ 12–14% (IVA 10% + AJD 1.4% + paperwork). We give you an exact, personal calculation before you sign anything.
No need to worry: the bill was never passed, was never even debated in Congress, and was dropped from the agenda in January 2026. Canada, the UK, Israel and the US buy under the normal rules. If anything changes, we'll update this guide and tell you directly.
Typically 60–70% of the value over up to 20–25 years, against verified income from your home country. We'll help put together the file and compare banks.
We can't promise a “yes” in advance: it depends on the licence, the comunidad's bylaws and the specific home. We check the rental potential before you buy, and show you real figures from the flats we manage — kept separate from any promises.
Informational material, updated 20.07.2026. Rates and rules are confirmed on the date of the transaction; your case is checked by an independent legal adviser and tax adviser.
Your case, not the average one
Get a breakdown you can verify.
Your goal, budget, priorities, and doubts — you see the summary before it goes to anyone on the team. We'll send you this guide on WhatsApp as a single file.