Calculators
Three sums worth doing before you fall in love with a home: what it costs to buy, what the mortgage comes to and what it could earn.
Price of the home
€350,000
- IVA (VAT)€35,000
- Stamp duty (AJD)€5,250
- Notary€940
- Land registry€470
- Lawyer€4,235
- Total you need€395,895
Taxes and fees€45,89513.1% on top of the price
A guide based on typical rates. Reduced rates can apply to some buyers, and your lawyer confirms the exact figures.
€1,474 per month, 25-year fixed, 3% interest.
Spanish residents can typically finance up to 80% of the purchase price.
- Principal & Interest€1,328
- IBI Property Tax (est.)€146
Total interest paid over 25 years will be:€118,338
All estimates are provided for informational purposes only and are not a loan offer or financial advice. Actual rates, terms and approval depend on the bank and your personal profile. IBI and community fee figures come from the listing where available; otherwise they are rough estimates.
Price of the home
€350,000
- Gross yield
- 3.9%
- Net yield
- 2.7%
Rent a year€13,500
That is about 3.9% gross, or 2.7% once running costs and buying costs are counted.
Before income tax, which depends on where you live. Tourist lets also need a licence in most regions. Ask your lawyer what applies.