Understanding Costs to Purchase Property in Catalonia, Spain

Are You Preparing to Purchase Property in Catalonia?

When purchasing a property in Catalonia, this chart provides a detailed breakdown of the expenses you should anticipate. It's also important to get pre-approved by a lender prior to starting your home search. Use our easy mortgage affordability questionnaire to find out if you can qualify for a mortgage in Spain and what your downpayment and monthly payments will be.

Fee	Cost	Notes
VAT (new construction) or ITP (property transfer tax)	10%	Charged on the official purchase price.
Stamp Duty	1.5%	If the property is new construction, it is possible to negotiate that the seller pay this fee
Notary Fee	€600 - €1000	In Spain, notaries are the govt appointed lawyers who write up and transfer the title, deed, etc.
Land Registry Fee	€400 - €1000	This fee is typically paid to the notary.
Lawyer Fee (optional)	1% + VAT	While not strictly necessary, a lawyer can search for liens agains the property and any potential land disputes. This is more typical for country properties where their may be doubts. The notary will/should say during the signing that there are no outstanding debts on the property and this statement should be in the documents you sign.
Personal Shopper (optional)	1% - 3%	The seller pays the real estate commission. However, some listing agents do not cooperate with buying agents. In this case, if you choose to have an agent represent you, they will charge a separate fee to the Buyer.

Here is a cost breakdown for a €500,000 property.

Fee	Cost	Notes
VAT (new construction) or ITP (property transfer tax)	10%	€50.000
Stamp Duty	1.5%	€7.500
Notary Fee	€600 - €1000	€1000
Land Registry Fee	€400 - €1000	€1000
Lawyer Fee (optional)	1% + VAT	€6.050
Personal Shopper (optional)	1% - 3%	N/A

Total fees, excluding mortgage expense: €65.550.

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