Marbella Inheritance Planning — Will Your Family Inherit Tax-Free?

Spanish inheritance tax (ISD) can hit 81.6% on non-family inheritors. But Andalucía's 99% bonification for Group I/II heirs (Decreto-Ley 1/2019) effectively zeros out ISD for spouse + children — IF you meet residency, structure, and timing requirements.

Get this wrong and your family loses €100K-€2M+ to ISD on a €5M Marbella villa. Get it right and they inherit with near-zero tax.

This quiz checks where you stand and whether you need pre-mortem planning.

What this quiz checks

6 questions on heir relation / residency / property value / structure / donor residency / timeline → routes you to one of 15 outcomes:

• Andalucía 99% full — most common, near-zero ISD
• Partial bonification — some planning lift available
• Group III/IV exposure — significant ISD without planning
• Non-family beneficiary — full ISD rate (up to 81.6%)
• EU/EEA inheritor — ECJ-extended bonification post-Ley 26/2014
• Non-EU inheritor — different ISD treatment, treaty-dependent
• Pre-purchase planning — best position to optimize structure
• HNW estate €5M+ — Patrimonio + Solidaridad + ISD planning
• Corporate structure — share transfer mechanics
• Foreign holding company — CRS + substance review
• Current inheritance — 6-month declaration deadline
• Unmarried partner — Group IV exposure, planning levers
• Spain other region — cross-region ISD comparison
• Non-resident donor — IRNR + ISD interactions
• Unclear residency — tie-breaker analysis needed

Related reading

• Andalucía 99% Inheritance Bonification — Worked Examples
• Spanish Inheritance Tax Deep-Dive 2026 — ISD by Region
• Marbella Property Inheritance Walkthrough