When you see the price of an apartment in front of the Fossa or a villa in Maryvilla, that’s only part of the investment. To avoid any last-minute surprises, it’s essential to know the additional costs, which in the Valencian Community usually come to around the 12% to 13% of the sale price.
Here, we break down step by step where every euro goes, so your purchase in Calpe is transparent and free of setbacks.
This is the biggest expense and it varies depending on the type of property:
If you buy a property that has already had owners, you pay the Property Transfer Tax (ITP).
In Calpe (Valencian Community): The standard rate is 10%.
Note: Reduced rates (8% or even 4%) apply to people under 35, large families, or individuals with a disability, as long as certain income and property-value limits are met.
If you’re buying your first home in one of Calpe’s new developments:
VAT: A fixed 10%.
AJD (Documented Legal Acts): A tax for the signing before a notary and the registration, which in our area is 1.5%.
Total: Buying a new build means 11.5% in direct taxes.
No matter what type of home you’re buying, there are two key professional roles:
The Notary: Fees are regulated by law (tariffs), but they usually fall between €600 and €1,000, depending on the property value and the length of the deed.
Land Registry Office (Registro de la Propiedad): This is the cost of registering the home in your name. It typically ranges from €400 to €700.
If you need financing, the rules of the game changed in your favor with the Mortgage Credit Law:
The bank pays: Notary, Registration, Gestoría, and the AJD tax for the mortgage.
You pay: The valuation of the property (between €300 and €600) and your own copy of the deed if you request it.
To make your purchase safe, at Marina Habitat we always recommend taking into account:
Gestoría (administrative services): To settle the taxes and submit the paperwork (approx. €300 to €500).
Lawyer (Recommended for foreigners): It’s common for international buyers to hire a lawyer for Due Diligence. This usually costs 1% of the purchase value.
Utility connection changes: Electricity, water, and rubbish. Although it’s not a purchase cost per se, set aside around €200 for initial paperwork and procedures.
Imagine you buy a resale apartment for €250,000:
Property Price: €250,000
ITP (10%): €25,000
Notary and Registry (est.): €1,500
Gestoría: €400
TOTAL INVESTMENT: €276,900
Knowing you need roughly an extra 12% on top of the sale price lets you search for a home with a realistic budget—without stress.
At Marina Habitat, we don’t just show you the best properties in Calpe; we guide you through the entire financial and legal process, so the only thing you’ll have to worry about is choosing the color of the curtains for your new sea-view terrace.
