Marbella Transaction Cost Calculator
How much cash do you actually need at closing? Standard rule of thumb is "10% on top of property price", but reality varies by property type (second-hand vs new-build), mortgage use (adds AJD on mortgage deed), and lawyer choice.
This calculator gives you the EXACT number, broken down line by line:
- ITP 7% (Andalucía, second-hand) OR IVA 10% + AJD 1.2% (new-build)
- AJD on mortgage deed (1.2% of mortgage amount, if using one)
- Notary (regulated scale, €600-3500)
- Land registry (similar scale)
- Lawyer (1% + 21% Spanish VAT typical)
- Gestoría (admin: NIE + padrón + utility transfers)
- Arquitecto técnico survey (optional but recommended)
- TOTAL cash needed at closing (= property price + costs − mortgage if any)
Typical Andalucía closing-cost ratios
| Scenario | Total transaction cost as % of property price |
|---|---|
| Second-hand, no mortgage | 9.5% |
| Second-hand, 70% mortgage | 10.4% (extra AJD on mortgage) |
| New-build, no mortgage | 12.5% (IVA 10% > ITP 7%) |
| New-build, 70% mortgage | 13.4% |
Related reading
- Marbella Property Buying Complete Guide 2026
- Spanish Property Tax & Legal Complete Guide
- Arras vs Contrato de Reserva Quiz (pre-completion deposit mechanics)
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