Catalonia is one of the most attractive regions in Spain for property purchases, especially for foreign investors. Barcelona and the Costa Brava and Costa Dorada coasts offer not only a unique lifestyle but also high investment potential. However, when buying a home in 2025, it is essential to consider current taxes and fees that can significantly impact your budget.
What taxes will you have to pay?
- ITP (Property Transfer Tax) — for resale properties:
From June 27, 2025, a progressive rate applies:
• up to €600,000 — 10%
• €600,000–900,000 — 11%
• €900,000–1,500,000 — 12%
• over €1,500,000 — 13%
For major investors (5+ properties in "stressed zones"), the rate can rise to 20%.
- VAT (Value Added Tax) — for new properties:
• 10% — standard rate
• 4% — for social housing (in certain cases)
- AJD (Stamp Duty) — tax on legal documents:
• The current rate in Catalonia is 1.5% of the property value.
Additional purchase costs
Beyond taxes, the buyer also incurs standard costs (depending on the property price):
• Property valuation — €200–600 (if taking out a mortgage)
• Mortgage arrangement fee — up to 2% of the loan (check with the bank)
• Notary fees — €600 to €875
• Property registration — €400–600
• Registry inscription fee — €300–600
Tax benefits and special conditions
Despite stricter tax rules, there are benefits for certain groups:
• Young buyers under 35: 50% tax discount on their first home purchase if their annual net income does not exceed €36,000.
• Purchase for primary residence: in some cases, reduced tax rates apply.
• Social projects and sustainable investments (e.g., conversion into affordable housing) may qualify for tax incentives.
How we help — Spain Costas
Buying real estate abroad involves legal, financial, logistical, and language challenges. We support you at every stage, making the process easy and secure.
Our services include:
• Property selection (remotely and in person)
• Organizing and attending property visits
• Legal due diligence
• Document preparation and notary assistance
• NIE number and bank account setup
• Utility setup after purchase
Our service fee — 2% of the property price. No hidden fees. We work transparently and in your best interest.
Looking for a home in Barcelona or on the Catalan coast? We’ll help you find and secure your ideal property — with full assistance.
Contact Spain Costas — and make your purchase in Spain smooth and profitable.