VŠE, CO POTŘEBUJETE VĚDĚT O KOUPI NEMOVITOSTI NA COSTA DEL SOL
Realitní Poradna
Vítejte v naší realitní poradně, kde najdete ucelené informace a odpovědi na často kladené otázky ohledně koupě nemovitosti na Costa del Sol. Ať už se zajímáte o nové developmenty, právní ochranu při koupi, nebo možnosti financování, tady najdete vše potřebné pro bezpečnou a výhodnou koupi.
KOUPĚ NEMOVITOSTI NA COSTA DEL SOL
Otázky a odpovědi
- All
- Daně a právo
- Financování
- Hypotéka ve Španělsku
- Lokalita
- Novostavby a off-plan projekty
- Pronájmy
- Realitní makléř
- Shrnutí
- Starší nemovitosti
- Úvod
- Webinář
Protože nové nemovitosti dnes představují nejbezpečnější, nejpředvídatelnější a dlouhodobě nejfunkčnější volbu – jak pro vlastní bydlení, tak pro kombinaci dovolená + pronájmy. Níže jsou hlavní důvody, proč jdeme touto cestou a proč ji doporučujeme i našim klientům.
♻️ Green Deal: budoucí realita, ne vzdálená hrozba
Evropská legislativa (tzv. Green Deal) zásadně mění pravidla hry. Starší nemovitosti budou v následujících letech čelit:
-
povinným energetickým úpravám (izolace, okna, technologie),
-
omezením využití a pronájmu u nízkých energetických tříd,
-
výrazným dodatečným investicím, které dnes nejsou na první pohled vidět.
Novostavby na Costa del Sol už tyto normy splňují:
-
vysoká energetická účinnost,
-
nižší provozní náklady,
-
připravenost na budoucí regulace,
-
vyšší atraktivita pro nájemníky i další kupce.
Kupujete tedy nemovitost, která nezestárne legislativně, nikoli objekt, který bude za pár let vyžadovat drahé zásahy.
🏘️ Krátkodobé pronájmy a pravidlo 60 % v komunitě
Velmi důležitý – a často přehlížený – faktor je fungování komunit vlastníků (Comunidad de Propietarios).
Pro povolení krátkodobých turistických pronájmů je v komunitě potřeba souhlas minimálně 60 % vlastníků.
U starších domů:
-
často převažují rezidenti, kteří pronájmy nechtějí,
-
cíle vlastníků jsou rozdílné,
-
schválení bývá problematické nebo nemožné.
Naopak u nových developerských projektů:
-
vstupují vlastníci se stejným záměrem (rekreace + pronájmy),
-
komunita je mezinárodní, investičně a provozně sladěná,
-
pravidla pro pronájmy jsou jasná už od začátku.
To je zásadní rozdíl, který rozhoduje o tom, zda bude vaše nemovitost skutečně funkční pro krátkodobé či střednědobé pronájmy.
🏗️ Bezstarostnost vs. rekonstrukční realita
Starší nemovitosti ve Španělsku často znamenají:
-
nejistý technický stav,
-
náročné a zdlouhavé rekonstrukce,
-
obtížný výběr spolehlivých firem,
-
nutnost neustálého osobního dohledu,
-
navyšování rozpočtu a posouvání termínů (typické „mañana“).
Ve výsledku se celkové náklady (koupě + rekonstrukce) velmi často přiblíží ceně novostavby – bez záruk, bez komfortu a bez klidu.
🏡 Co vám nové developmenty skutečně přinášejí
Nové projekty, na které se v Amazing Costa del Sol specializujeme, nabízejí:
-
10letou stavební záruku,
-
garantovanou koncovou cenu,
-
pevně stanovený termín dokončení,
-
moderní dispozice a standardy,
-
kompletní rezidenční zázemí: bazény, SPA, fitness, společné prostory,
-
vyšší bezpečnost a lepší správu.
Získáváte komfortní a předvídatelné řešení, které dává smysl dnes i za 10–20 let.
🌍 Proč právě Costa del Sol?
Na Costa del Sol se nové projekty staví s ohledem na:
-
mezinárodní klientelu,
-
celoroční využití,
-
dlouhodobou hodnotu,
-
kombinaci životního stylu a flexibilního pronájmu.
A právě proto zde nové nemovitosti dlouhodobě vítězí nad starší zástavbou.
✅ Shrnutí jednou větou
Specializujeme se na nové nemovitosti, protože minimalizují legislativní rizika (Green Deal), umožňují reálné pronájmy díky sladěné komunitě a přinášejí bezstarostné bydlení s jasnou budoucností.
Protože naší prioritou není množství, ale bezpečnost, kvalita a důvěra.
Na Costa del Sol se každoročně objeví desítky nových developerských projektů, ale ne každý z nich splňuje standardy, které považujeme za přijatelné pro naše klienty.
Naše role není ukázat „všechno, co je na trhu“, ale oddělit skutečně kvalitní a bezpečné projekty od těch rizikových.
🔍 Důkladná prověrka developerů je základ
Každého developera, se kterým spolupracujeme, detailně prověřujeme, a to dlouho předtím, než projekt nabídneme klientům. Zaměřujeme se zejména na:
-
historii a počet již úspěšně dokončených projektů,
-
finanční stabilitu a zázemí společnosti,
-
způsob financování výstavby,
-
reputaci u bank, právníků a notářů,
-
dlouhodobé zkušenosti jiných kupujících.
Bohužel platí, že ne všichni developeři ve Španělsku mají bezproblémovou historii. Někteří projekty zdržují, mění podmínky, nebo v horších případech nedokončí vůbec. Takové projekty vědomě odmítáme, i když by pro nás byly obchodně zajímavé.
🏗️ Osobní znalost místa, ne jen katalog
Nikdy nenabízíme projekt, který bychom:
-
osobně nenavštívili,
-
neprošli jeho okolí, dostupnost, infrastrukturu a budoucí rozvoj,
-
nevyhodnotili z hlediska hluku, dopravy, služeb a reálné obyvatelnosti.
Krásné vizualizace nestačí. Klíčová je realita lokality dnes i za 5–10 let.
⚖️ Právní a finanční bezpečnost klienta
U každého projektu posuzujeme:
-
zda jsou platby chráněny bankovními nebo pojistnými garancemi,
-
zda jsou smluvní podmínky vyvážené a férové,
-
zda je projekt reálně financovatelný bankou (což je silný signál kvality),
-
zda nehrozí skrytá rizika v územním plánování či povoleních.
Pokud projekt neprojde právním a rizikovým filtrem, klientům jej nenabízíme – bez kompromisů.
🤝 Důvěra je důležitější než rychlý prodej
Na Costa del Sol působí mnoho realitních kanceláří, které fungují jako „otevřený katalog“ – nabídnou vše, co existuje, a odpovědnost nechávají na klientovi.
My jdeme opačnou cestou:
-
méně projektů,
-
více kontroly,
-
jasná odpovědnost za doporučení.
Naši klienti nám svěřují životní úspory, plány na bydlení nebo dlouhodobé cíle. Proto si nemůžeme dovolit riskovat jejich důvěru kvůli jednorázové provizi.
✅ Co to znamená pro vás jako klienta
-
nekupujete „naslepo“,
-
vyhnete se projektům s problematickou historií,
-
minimalizujete právní i finanční rizika,
-
máte jistotu, že projekt někdo nezávisle prověřil v praxi, ne jen na papíře.
Shrnutí jednou větou
Nenabízíme všechny developmenty, protože naším cílem není prodávat, ale chránit.
A právě tato selekce je jedním z hlavních důvodů, proč s námi klienti kupují nemovitosti s klidem a dlouhodobou jistotou.
Yes. Many stages of a Spanish property purchase can be completed from abroad with the assistance of an independent lawyer and a properly drafted power of attorney.
A power of attorney allows an authorised representative to complete specific legal and administrative steps on your behalf. It can be signed before a Spanish notary or through an appropriate Spanish consulate abroad. Foreign notarised documents may also require an Apostille and an official translation before they can be used in Spain. Approximately 30% of our clients complete their purchase remotely without visiting the region before signing the contracts.
🖥️ Explore properties through a live video viewing
Before reserving a property, we can arrange a live online presentation that may include:
- a video tour of the showroom or available property;
- a presentation of the development and surrounding area;
- floorplans, specifications and current availability;
- information about prices and payment stages;
- an opportunity to speak with our team and the developer’s representative.
A virtual viewing is useful for shortlisting or reserving a property but buyers should still review all legal and technical documentation before committing.
⚖️ Legal representation throughout the purchase
Your Spanish lawyer can help coordinate:
- legal due diligence on the property or development;
- review of reservation and purchase contracts;
- the application for an NIE number;
- checks on payment accounts and guarantees;
- communication with the developer, bank and notary;
- signing the public purchase deed under a power of attorney;
- registration of the ownership with the Land Registry.
An NIE may be requested in Spain or through a Spanish consulate in the applicant’s country of residence. The application may also be submitted through a duly authorised representative although either the applicant or representative must normally appear in person for the application.
✈️ Do I need to travel to Spain?
It is often possible to complete the purchase without travelling to Spain. However, you may need to attend a notary or Spanish consulate in your home country to arrange the necessary authority and identification documents.
You can then visit the property at a later date, during construction or when it is ready for handover.
⏱️ A convenient option but not a reason to rush
Remote purchasing can be particularly helpful when a desirable new-build unit becomes available and travelling immediately is impractical.
However, speed should never replace proper due diligence. Before making a reservation, buyers should understand:
- exactly what is being purchased;
- the payment and completion schedule;
- the conditions for recovering a deposit;
- the development’s licences and legal status;
- the applicable taxes and additional costs.
✅ Buying remotely with confidence
With live video viewings, independent legal representation and clear communication, purchasing property in Spain from abroad can be a practical and well-managed process.
Our role is to help you understand the available options and coordinate each stage so that you can make an informed decision wherever you are based.
A viewing trip with Amazing Costa del Sol is carefully planned around your needs, budget and preferred locations.
Rather than showing you a long list of unsuitable properties, we prepare a focused itinerary designed to help you compare the right options and understand each area properly.
1️⃣ Before your visit
We begin with an online consultation to discuss:
- your budget and purchasing objectives;
- whether the property will be a home, holiday residence or investment;
- your preferred areas and property type;
- your expected purchase timeframe;
- any questions about taxes, financing and the buying process.
We then shortlist suitable properties and prepare a realistic viewing schedule.
2️⃣ Planning your trip
We can advise you on:
- convenient flights and arrival times;
- suitable hotels and areas to stay;
- the length of visit needed;
- transport and car-hire options.
Airport transfers and local transport can also be arranged where agreed in advance. Any associated costs should be confirmed before your trip.
3️⃣ During the viewings
You will visit selected properties and explore the surrounding neighbourhoods, amenities and transport connections.
For new developments, this may include:
- visiting the development site;
- viewing a show home where available;
- reviewing floorplans, orientation and views;
- exploring the planned communal facilities;
- meeting the developer’s sales representative;
- comparing available units, prices and payment schedules.
We will help you assess not only the appearance of the property but also its location, running costs and suitability for your plans.
4️⃣ Clear advice without pressure
There will be time to discuss:
- the advantages and disadvantages of each option;
- community fees and expected ownership costs;
- rental possibilities and applicable restrictions;
- payment terms and the reservation process;
- the next legal and administrative steps.
You will never be expected to make an immediate decision during the viewing.
5️⃣ Experience the location
We recommend spending enough time in the area to experience the neighbourhood beyond the property itself.
Visit the local shops, restaurants, beaches and transport links. This is particularly important when buying a permanent home or a property you intend to use regularly.
6️⃣ Combine the viewing with a holiday
You can easily combine your property viewings with a short break or a longer holiday on the Costa del Sol.
A longer stay allows you to:
- experience the region at different times of day;
- understand the climate, services and lifestyle;
- decide whether it is somewhere you could genuinely feel at home.
✨ A viewing trip designed around you
Our objective is to make your visit organised, informative and enjoyable.
By the end of the trip, you should have a clear understanding of the available options and feel confident about your next step, whether you decide to proceed immediately or continue your search.
Is buying property on the Costa del Sol safe and a good investment?
Buying property on the Costa del Sol can be a secure and attractive decision when the purchase is supported by proper legal checks and a clear understanding of your objectives.
Spain has an established legal, notarial and Land Registry system. Buyers can obtain official information about the registered ownership of a property and any mortgages or other registered charges affecting it. Nevertheless, international buyers should always appoint an independent Spanish property lawyer to represent their interests.
🇪🇺 An established European property market
As part of Spain and the European Union, the Costa del Sol operates within an established legal and regulatory framework. EU citizens generally have the same rights as Spanish citizens when buying or selling property in Spain. Different residency and administrative requirements may apply to buyers from outside the EU.
Before purchasing, your lawyer should verify:
- the registered ownership and legal status of the property;
- any mortgages, debts or restrictions;
- planning permission and licences;
- community fees and rules;
- the full purchase costs and tax obligations;
- whether the property can legally be used for your intended rental activity.
📈 Strong demand
The Spanish property market has experienced significant price growth. The national Housing Price Index increased by 12.9% year on year during the first quarter of 2026. However, this is a national figure and results vary considerably between municipalities, developments and individual properties.
The Costa del Sol continues to attract international buyers but previous price increases do not guarantee future capital growth. In 2025, international buyers accounted for 13.82% of registered residential purchases across Spain, demonstrating the continuing importance of overseas demand.
A sound purchase should therefore be based on:
- the quality and precise location of the property;
- realistic local market comparisons;
- the total cost of ownership;
- your expected ownership period;
- genuine rental demand;
- the property’s long-term resale appeal.
☀️ A destination for year-round living
The Costa del Sol benefits from a mild Mediterranean climate and an established international community. It offers the infrastructure and services required for permanent living, second-home ownership and extended stays throughout the year. Official climate records confirm mild winters in Málaga although temperatures vary and should not be presented as consistently remaining between 18°C and 22°C.
Properties may attract short-term, seasonal or long-term rental demand but income and occupancy are never guaranteed. Rental regulations, owners’ community rules and local restrictions must be checked before purchasing.
🏗️ New-build or resale property?
Modern developments commonly offer better energy efficiency, contemporary facilities and lower initial maintenance requirements. Resale properties can offer more established locations, larger spaces or stronger value for money.
Neither option is automatically the better investment. The right choice depends on the property’s condition, location, price and suitability for your intended use.
✅ Our conclusion
Buying on the Costa del Sol can be both secure and financially attractive but every purchase should be assessed individually.
With independent legal advice, careful due diligence and realistic expectations, you can choose a property that supports your lifestyle and long-term objectives without relying on promises of guaranteed growth or rental returns.
Buy with a clear strategy, not simply with your heart.
A beautiful view or impressive show home should not be the only reason to purchase. The right property should also match your budget, intended use and long-term plans.
⏱️ Consider the timing but never rush your decision
Popular new developments may release apartments in several phases. Buying early can provide a wider choice of units and sometimes more attractive introductory pricing but the first phase is not automatically the best option for every buyer.
At Amazing Costa del Sol, we maintain direct relationships with developers and can inform clients about selected projects at an early stage. This gives you time to compare the available units, review the payment structure and prepare before making a reservation.
♻️ Examine energy efficiency and future costs
Energy performance is becoming increasingly important when purchasing property in Europe. The revised EU Energy Performance of Buildings Directive requires countries to develop national renovation plans but it does not impose a blanket EU ban on selling or renting older residential properties. Individual countries retain flexibility over which buildings and measures they prioritise.
Older properties can still represent excellent value. However, buyers should investigate:
- the property’s energy performance certificate;
- the condition of the windows, insulation and air-conditioning;
- planned building or community renovations;
- likely maintenance and running costs;
- the cost of bringing the property up to modern standards.
New-build properties commonly provide stronger energy performance and modern technology but they should still be assessed on construction quality, location, community fees and the developer’s track record.
✅ Check rental eligibility before purchasing
A property’s suitability for holiday rentals must be assessed individually. It depends on municipal planning rules, the property’s legal status, the community statutes and current regional and national regulations.
Andalusian municipalities may limit tourist accommodation within particular buildings, neighbourhoods or zones. Properties must also comply with local planning requirements and cannot operate as tourist accommodation where the community statutes expressly prohibit it.
For new tourist-rental activity in a building governed by Spain’s Horizontal Property Law, express approval from the owners’ community has generally been required since 3 April 2025. The approval requires three-fifths of all owners who also represent three-fifths of the participation quotas.
For this reason, no town or development should be described as automatically offering an “easy tourist licence”.
📍Choose the location according to your objective
Different areas suit different buyers:
- Mijas offers convenient access to Fuengirola, beaches and everyday amenities.
- Casares Costa may appeal to buyers seeking a quieter coastal environment.
- Alcaidesa combines beaches, golf and proximity to Sotogrande and Gibraltar.
The best location depends on whether the property will be your permanent home, holiday residence, long-term rental or short-term rental investment.
📋 Complete the necessary checks before reserving
Before paying a reservation deposit, obtain independent legal advice and verify:
- ownership and registered debts or charges;
- planning permission and the property’s legal status;
- community rules and outstanding fees;
- rental eligibility;
- taxes and total purchasing costs;
- the payment schedule and contractual conditions;
- the property’s energy efficiency and likely maintenance costs
term rental or short-term rental investment.
💡 Our most important advice
Do not make an impulsive purchase and do not rely on attractive marketing alone.
Take time to compare the property, development, location and total cost of ownership. With professional guidance and proper legal checks, you can choose a home or investment that continues to meet your needs for many years.
In one sentence
A successful property purchase combines the right location, a suitable property and thorough due diligence – not simply the earliest available new-build opportunity.
Yes. The excellent quality of life is one of the main reasons international buyers choose to live on the Costa del Sol.
The region combines fresh food, modern infrastructure, excellent healthcare and a wide range of lifestyle amenities, all within a warm Mediterranean climate.
🥑 Fresh food and international shopping
Thanks to the region’s climate and agricultural tradition, fresh fruit and vegetables are widely available throughout the year. Local markets, fishmongers and supermarkets offer a broad selection of fresh produce, seafood and regional specialities.
International residents are also well catered for, with major supermarkets and specialist shops offering products from across Europe and further afield.
🌐 Reliable services and connectivity
The Costa del Sol is well suited to modern living. Fibre-optic internet is widely available in towns and many residential developments, making the area popular with remote workers, entrepreneurs and international families.
Residents also have access to banks, international schools, sports facilities, fitness centres, wellness services and professional support in several languages.
🍽️ Restaurants, culture and leisure
The region offers everything from traditional tapas bars and beachfront restaurants to Michelin-starred dining and luxury beach clubs.
Málaga, Marbella and the surrounding coastal towns host cultural events, festivals, concerts and exhibitions throughout the year. There is also a wide choice of golf courses, marinas, hiking routes and family-friendly attractions.
🏥 Healthcare and private medical services
Residents can choose between Spain’s public healthcare system and a broad network of private hospitals, clinics and specialist medical centres.
Many private providers offer multilingual assistance, which is particularly helpful for international residents and property owners spending part of the year in Spain.
🌞 A lifestyle designed for year-round living
The Costa del Sol is not simply a holiday destination. It offers the infrastructure, services and amenities needed for comfortable year-round living.
With its Mediterranean climate, international community, strong transport connections and wide range of leisure options, the region is an attractive choice for families, professionals, retirees and second-home owners.
Protecting buyers’ funds is one of the most strictly regulated aspects of purchasing property in Spain, particularly when buying a new-build property. The system is designed to minimise the buyer’s risk and prevent the misuse of their money.
⚖️ Legal protection for new-build payments
The protection of buyers’ funds is established under Spanish legislation, particularly Law 38/1999, the Building Regulations Act (Ley de Ordenación de la Edificación or LOE) and related regulations.
This legal framework requires developers to:
- Deposit all buyers’ payments, including reservation deposits and staged purchase payments, into special separate bank accounts
- Protect each payment through a bank guarantee or insurance guarantee (aval bancario or seguro de caución)
- Use these funds exclusively for the construction of the relevant development
These accounts and guarantees are subject to strict oversight by banks and public authorities, including the Bank of Spain.
📄What does this mean for the buyer?
For the buyer, the key protections are that:
- The developer cannot use the money freely
- The funds are kept separate from the company’s general operating finances
- Every payment can be traced and is legally protected
If the developer fails to complete the project within the contractually agreed timeframe, the buyer is legally entitled to:
- A refund of all amounts paid
- A refund of the VAT paid
- Statutory interest
This protection applies automatically without the need for complicated legal proceedings.
💶 When does the developer receive the purchase price?
For new-build properties, the developer receives the full purchase price only once the project has been completed and the final purchase deed has been signed before a notary.
Until then, the buyer’s funds are either:
- Held in protected accounts
- Covered by an individual bank guarantee issued in the buyer’s name
📜 The role of the notary and Land Registry
Another important layer of protection is provided by Spain’s notarial and Land Registry system, which is considered one of the safest in the world.
- The purchase deed can only be prepared by a public notary
- The notary verifies the property’s legal status, debts, mortgages and compliance with legal requirements
- Ownership cannot be transferred without the notarial deed
Registration with the Land Registry is therefore legally indisputable and protects the buyer in the future.
✨ Summary: why buyers’ funds are highly protected in Spain
- A legal requirement for bank or insurance guarantees
- Separate accounts for buyers’ advance payments
- Oversight by banks and public institutions
- Clearly defined buyer rights if the development is not completed
- A notarial and Land Registry system offering strong legal certainty
This combination makes buying property in Spain, particularly on the Costa del Sol, transparent and secure for international buyers.
Property purchases in Spain are normally priced and completed in euros. The purchase price, taxes, notary costs and Land Registry fees must therefore be budgeted and settled in euros.
International buyers can still use funds held in British pounds, US dollars or another home currency. These funds must be converted into euros before the relevant payments are made.
How can buyers reduce currency-conversion costs?
Exchange rates and provider fees can make a significant difference when transferring a large amount for a Spanish property purchase. Buyers should compare:
- The exchange rate offered
- Any transfer or conversion fees
- The final number of euros received
- Transfer limits and processing times
- Whether the provider is appropriately regulated
Traditional banks may apply exchange-rate margins or transfer charges, while specialist currency providers may offer different rates and services. No provider should be assumed to offer the mid-market rate without checking its full terms.
How are payments made during the purchase?
Payments are usually made in stages according to the reservation agreement, private purchase contract or off-plan payment schedule. Buyers can convert and transfer the required funds before each deadline rather than exchanging the entire purchase amount at once.
However, exchange rates can move between payment dates. Buyers should therefore plan their currency strategy early and keep sufficient funds available for taxes, legal fees and other purchasing costs.
Our team can help international buyers understand the payment schedule and coordinate it with their lawyer, bank, mortgage provider and chosen currency-transfer service.
Shrnutí
-
Kupní cena nemovitosti ve Španělsku je vždy v eurech.
-
Zdroje mohou být v českých korunách.
-
Díky převodu za mid kurz lze dosáhnout výrazné finanční úspory.
-
Klient má jistotu, že platí efektivně, transparentně a bez zbytečných nákladů.
An NIE (Número de Identidad de Extranjero) is a personal tax identification number for foreign nationals and serves as the essential administrative key for official procedures in Spain. As soon as a foreign national has an economic or legal interest in Spain, an NIE becomes essential.
It is a unique, personal and permanent number that remains with you throughout your life, regardless of whether you stay in Spain temporarily or permanently.
When is an NIE required?
An NIE is required for practically every significant transaction, particularly when you:
- Buy or sell property
- Sign a reservation or purchase agreement
- Apply for a mortgage with a Spanish bank
- Register ownership with the Land Registry
- Open a bank account
- Transfer utility contracts for electricity, water or gas
- Arrange internet or mobile services
- Pay taxes connected with property ownership
Without an NIE, it is not possible to legally complete a property transaction or participate fully in Spain’s economic system.
Who issues an NIE?
The NIE is issued by the Spanish Ministry of the Interior through the immigration authorities and National Police. It can be obtained:
- In person in Spain
- Through a legal representative using a power of attorney
For most clients buying property, obtaining an NIE is the first step in the process.
Why is an NIE so important when buying property?
From the perspective of Spanish authorities and banks, an NIE is equivalent to a personal identification or tax number. Without it:
- A notary cannot complete the property purchase deed
- Ownership cannot be registered
- A Spanish mortgage cannot be completed
- Property purchase taxes cannot be paid
We therefore recommend applying for an NIE at the beginning of the process before reserving a specific property, particularly when planning to buy on the Costa del Sol.
A practical advantage for buyers
The good news is that:
- An NIE is not linked to permanent residence
- It does not automatically make you a Spanish tax resident
- Obtaining it is an administrative procedure rather than a complex process
In practice, we coordinate and simplify the application process for our clients so they can focus on choosing the right property rather than dealing with administration.
Summary
An NIE is not simply a formality. It is an essential requirement for completing a property purchase safely and legally in Spain. Once you have it, you can proceed with the remaining stages more efficiently and avoid unnecessary delays.
When buying property in Andalusia, the taxes depend primarily on whether you are purchasing a new-build or resale property.
Taxes on a new-build property
Buyers purchasing a new-build home directly from a developer generally pay:
- 10% VAT (IVA)
- 1.2% Stamp Duty (AJD)
These taxes are normally calculated on the purchase price. If you use a Spanish mortgage, the bank pays the taxes and formalisation costs associated with the mortgage deed. However, the buyer still normally pays the 1.2% AJD relating to the new-build purchase deed.
Taxes on a resale property
For a resale property purchased from a private owner, VAT and purchase AJD do not normally apply. Instead, the buyer pays Property Transfer Tax (ITP) at the general Andalusian rate of 7%. Certain reduced rates may apply to qualifying buyers and lower-value main residences.
The taxable amount may be based on the highest of the agreed purchase price, the declared value or the official cadastral reference value. Buyers should therefore check the reference value before signing a reservation or private purchase contract.
Additional purchase costs
Buyers should also budget for:
- Notary and Land Registry fees
- Independent legal representation
- Property valuation fees when applying for a mortgage
- Administrative or translation services where required
Notary and Land Registry charges follow regulated tariffs, while lawyers set their own professional fees. Buyers should request a detailed written quotation rather than relying on a fixed percentage estimate.
Before reserving a property, we recommend preparing a complete purchase-cost breakdown covering the price, taxes, legal fees and payment schedule. This gives international buyers a clear picture of the total funds required before making a financial commitment.
Yes. Foreign and non-resident buyers can finance a property purchase in Spain with a Spanish mortgage. Some banks offer financing of up to 70% of the property value, although the amount available depends on the lower of the purchase price or bank valuation, as well as your income, existing debts, assets and credit profile. Buyers must normally cover the remaining balance plus taxes and purchasing costs from their own funds.
🏦 What types of Spanish mortgages are available?
Spanish banks offer fixed-rate, variable-rate and mixed mortgages. Variable mortgages are commonly linked to Euribor plus a lender’s margin, while mixed mortgages provide a fixed rate for an initial period before changing to a variable rate. Euribor may rise or fall, so it should not be described as automatically cheaper or more stable than financing in another country.
📉 How does financing work for new-build properties?
For an off-plan purchase, the mortgage is generally completed when construction is finished and the property is formally handed over. Buyers therefore need to plan separately for the reservation payment and staged payments required during construction.
Some developments offer developer mortgage subrogation, allowing the buyer to apply to take over the part of the developer’s existing mortgage allocated to their property. This may reduce administration and offer competitive terms because the bank already knows the project. However, the buyer must still pass the bank’s affordability and credit checks and the existing mortgage should always be compared with alternative offers.
🧾 Can Spanish and overseas financing be combined?
Yes. The Costa del Sol is a well-established destination for international residents and foreign property buyers. It offers mature residential areas, strong infrastructure, extensive healthcare services, international schools and amenities that operate throughout the year. However, safety and suitability vary between towns and neighbourhoods, so each location should be assessed individually.
Safety and everyday life
Spain compares favourably with many OECD countries in measures such as homicide rates. The Costa del Sol includes numerous established residential communities popular with families, retirees and international residents. As with any destination, buyers should consider the precise neighbourhood, local security, transport connections and seasonal activity before choosing where to live.
Healthcare and international services
Spain’s national health system provides virtually universal coverage and a comprehensive range of services for those entitled to access it. The Costa del Sol also has public facilities such as Hospital Universitario Costa del Sol in Marbella and several private hospitals and clinics. Some private providers offer multilingual assistance specifically for international patients. Access and costs depend on your residency status, insurance and personal circumstances.
Legal protection when buying property
Buying property in Spain follows a formal legal process involving a public notary and registration with the Spanish Land Registry. The notary oversees the completion documents and applicable taxes, while the Land Registry records the buyer’s legal ownership. Foreign buyers should also appoint an independent property lawyer to check ownership, debts, planning status, licences and contractual conditions before making substantial payments.
Buyers of off-plan properties benefit from additional legal protection. Advance payments taken by a developer must be protected through a bank guarantee or insurance arrangement. This is designed to protect the buyer if construction does not begin or the property is not completed under the agreed conditions.
An established international property market
The Costa del Sol has a strong international buyer base and an established market for permanent homes, second homes and investment properties. Across Spain, foreign buyers accounted for 14.6% of residential purchases in 2024 and remained at historically high levels during 2025. Strong demand can support the market in desirable locations, although future price growth and rental returns can never be guaranteed.
The wider region is also highly rated by international residents. Málaga placed first in the 2023 Expat City Ranking and second in 2024, receiving particularly positive feedback for friendliness, lifestyle and ease of settling in. Marbella was named European Best Destination for 2024, reflecting the area’s continuing international appeal. These rankings demonstrate popularity rather than guaranteeing personal safety or investment performance.
Who is the Costa del Sol suitable for?
The Costa del Sol may be particularly attractive to families seeking an outdoor lifestyle, retirees looking for year-round services, professionals establishing a European base and buyers searching for a second home in Spain. Different areas offer very different lifestyles, from central Málaga and Marbella to quieter coastal and golf communities in Mijas, Casares Costa and Alcaidesa.
Buying safely
No property purchase is entirely risk-free. Foreign buyers should use an independent lawyer, complete full legal due diligence, verify all off-plan guarantees and investigate the property’s physical condition, community rules and potential rental restrictions before committing.
With the right location, professional legal support and careful checks, the Costa del Sol can be a safe and attractive place for international buyers to live and purchase property.
The Costa del Sol property market moves quickly and attractive opportunities may sell before reaching public listings. Watching the presentation early can help you understand current market conditions, avoid costly mistakes and make better-informed buying decisions.
During the 45-minute property presentation, you will learn how the market works, which areas and property types may suit your goals and what to consider before buying. We also cover financing, foreign-buyer mortgages, rental potential and legal checks, helping you understand your next steps without pressure.
The property presentation is suitable for both first-time and experienced buyers. It explains the buying process clearly and covers current market conditions, project comparisons, timing and potential risks to help you decide on your next steps.
This Costa del Sol property presentation focuses on practical market insight rather than simply promoting listings. It explains how to compare developments, identify potential risks and understand which opportunities offer genuine value. The aim is to help buyers make informed decisions with a clearer view of the market.
The property presentation is led by Petr Hušek, an experienced finance and real estate professional specialising in the Costa del Sol. With over 20 years of industry experience, he shares practical insights from real property transactions, developer negotiations and international buyer support.
Yes. The property presentation is based on current Costa del Sol market conditions, including pricing, new development availability, buyer demand and developer activity. You can also ask questions during the live chat or arrange a private consultation for advice tailored to your situation.
Yes. Foreign buyers can purchase property safely in Spain when independent legal due diligence is completed. A lawyer should verify the property, contracts and guarantees before payment, while a notary oversees the formal completion of the sale.
Common risks include incomplete legal checks, hidden costs, rental restrictions, unreliable developers and choosing the wrong location or property. During a private property consultation, our advisers can help you assess the development, developer, local regulations and long-term costs before you make a commitment.
Yes. During a private property consultation, our advisers will help you compare locations, developments, sales phases and available units. We can also identify where negotiation may be possible and help you balance price, quality, security and long-term potential.
Yes. Non-resident foreign buyers can apply for a mortgage in Spain, with some banks offering financing of up to 70% of the property value. For certain new developments, buyers may also be able to take over part of the developer’s existing mortgage through subrogation, subject to bank approval. Our private property consultation can help you compare the available financing options and prepare for the application process.
Foreign buyers typically need around 30–40% of the property price to cover the deposit, taxes and purchase costs. In some cases, Spanish mortgage finance can be combined with borrowing in your home country to reduce the upfront capital required. Our private property consultation will help you explore suitable financing options based on your circumstances.
Yes. During the private consultation, one of our real estate advisers will explain how short-term rentals work on the Costa del Sol, including local regulations, tourist registration and homeowners’ association rules. You will also receive guidance on suitable locations, developments and potential rental restrictions before buying.
Yes. During the property presentation, you can ask questions through the live chat and receive personalised answers from our advisers. We can discuss locations, financing, rental potential and suitable property options in real time.
The live chat is available throughout the property presentation, so you can ask questions at any time. Our advisers respond in real time and can provide guidance on locations, budgets, financing and property options. More detailed questions can be discussed during a private follow-up consultation.
Yes. After the presentation, you can book a private online or in-person consultation with one of our real estate advisers. The consultation is tailored to your needs, including location, property type, budget, financing and rental potential, with no pressure to proceed.
Yes. We can arrange a personalised Costa del Sol property viewing trip, including airport or hotel collection, project visits and meetings with developers. Our local partner Tomáš Morávek and his team are based in Fuengirola and provide expert local guidance, access to current pricing and floorplans and support throughout the buying process.
The Costa del Sol is ideal for both holidays and year-round living. It offers good healthcare, international schools, modern infrastructure, a safe environment and a warm climate, making it popular with families and international residents.
Yes. Buying property on the Costa del Sol can be safe for foreign buyers when proper legal due diligence is completed. For off-plan properties, advance payments must be protected by a bank guarantee or insurance. Working with an independent lawyer and an experienced local estate agent helps reduce risk.
Public property listings may not show the best opportunities on the Costa del Sol. Some new developments, premium units and early-stage prices are shared privately, making local market access and timing especially important.
Yes. The Costa del Sol is a popular choice for families, offering international schools, family-friendly amenities, outdoor activities and a warm climate. Many areas also provide a safe and comfortable environment for year-round living.
This Costa del Sol property guide helps you understand the market, compare your options and avoid common buying mistakes. It gives you the information needed to make a more informed and confident property decision.
The best area to buy property on the Costa del Sol depends on whether you want a permanent home, holiday property or rental investment. Consider transport links, local amenities, lifestyle, running costs and rental regulations before choosing a location.
Fuengirola, Málaga and Marbella are ideal for urban living, strong transport links and easy access to shops, restaurants and services. However, running costs can be higher and short-term rental regulations may be stricter.
Alcaidesa, Mijas and Casares Costa are strong options for buyers seeking peace, golf and rental potential. They offer attractive surroundings, generally lower running costs and consistent demand for quality holiday accommodation.
Marbella is known for luxury and prestige. Estepona combines traditional charm with modern development and Mijas offers a quieter lifestyle close to nature and the coast. The best choice depends on your budget, lifestyle and whether the property is for personal use, holidays or investment.
Each Costa del Sol location offers a different lifestyle, atmosphere and level of convenience. Visiting in person helps buyers assess the neighbourhood, nearby amenities, transport links and daily environment before choosing the right area to buy property.
The Costa del Sol property market offers strong opportunities but also legal, regulatory and pricing risks. An experienced local estate agent helps you compare areas, assess developments and avoid costly mistakes throughout the buying process.
A reliable estate agent should have strong local knowledge, transparent communication and trusted legal support. They should understand current trends such as rising prices, limited supply, strong international demand and new-build opportunities and explain both the risks and benefits without pressuring you to buy.
Legal support helps protect buyers when purchasing property in Spain. A specialist lawyer checks the property, contracts, guarantees and rental rules and ensures the transaction is handled correctly.
A well-planned viewing day on the Costa del Sol should include several properties, developments and locations. Your estate agent should explain the differences between each area so you can compare both the properties and the lifestyle before making a decision..
Older properties on the Costa del Sol may involve hidden defects, expired warranties, poor insulation and legal issues. Buyers should arrange an independent survey and legal due diligence before purchasing.
Older resale properties in Spain may have limited or expired construction warranties. These generally cover finishes for one year, habitability for three years and structural defects for ten years from completion. Buyers should therefore arrange an independent survey and legal checks before purchasing.
Future EU energy efficiency rules could require older properties in Spain to undergo upgrades such as better insulation, new windows and more efficient climate-control systems. Buyers should consider these potential costs before purchasing an older home.
Older apartments in Spain may have weaker sound insulation, allowing more noise from neighbouring homes and the street. New-build properties generally offer better acoustic performance, insulation and overall living comfort.
Buyers often choose new-build properties in Spain for their warranties, energy efficiency, modern features and lower maintenance needs. Off-plan developments may also offer competitive early-stage pricing and eliminate the need for costly renovations.
New-build properties on the Costa del Sol can offer greater peace of mind through modern construction standards and statutory warranties covering finishing, habitability and structural defects. Buyers should still complete legal due diligence and verify all guarantees before purchasing.
Buying an off-plan property in Spain means purchasing before construction is complete. Benefits may include competitive launch prices, a better choice of units and staged payment plans. With the right developer, the property may increase in value by the time it is completed.
A reliable Costa del Sol developer should have a strong track record, solid financial backing and clear communication. Buyers should review completed projects, licences and guarantees. An experienced local estate agent can also help assess the developer and project before purchase.
What running costs and smart technologies can buyers expect in modern new-build properties in Spain?
Modern new-build properties in Spain often include energy-efficient insulation, high-performance windows, smart home systems and an A energy rating. These features can reduce running costs and improve comfort, soundproofing and overall energy performance.
Fuengirola, Mijas, Casares Costa and Alcaidesa are among the strongest areas for new-build property on the Costa del Sol. They combine expanding infrastructure, modern developments, international demand and more accessible prices than established prime locations such as Marbella.
Yes. Foreign buyers and non-residents can obtain a mortgage in Spain. Spanish banks typically lend around 60% of the property value and sometimes up to 70%, subject to the buyer’s income, financial stability and credit profile.
Buyers usually need around 30–40% of the property price to cover the deposit, taxes and purchase costs. In some cases, Spanish mortgage financing can be combined with borrowing in the buyer’s home country to reduce the amount of personal funds required.
Mortgages in Spain are available with fixed, variable or mixed interest rates. Variable rates are usually linked to Euribor. Buyers of new-build properties may also access competitive terms through mortgage subrogation, although all offers should be compared carefully.
Mortgage subrogation allows buyers to take over part of a developer’s existing loan when purchasing a new-build property in Spain. It can offer faster approval and competitive terms, although buyers should still compare it with other mortgage options.
A mortgage specialist in Spain can compare offers from multiple banks, negotiate competitive terms and recommend the most suitable financing structure. This can simplify the application process and improve your chances of mortgage approval.
When buying a new-build property on the Costa del Sol, buyers generally pay 10% VAT and 1.2% Andalusian Stamp Duty (AJD). For resale properties, the standard Property Transfer Tax in Andalusia is 7%. Reduced rates may apply in limited circumstances.
Legal fees for buying property in Spain typically depend on the purchase price and complexity of the transaction. Notary and Land Registry fees are regulated and vary by property value, but they are not normally as high as 3% of the purchase price. Buyers should request a detailed cost estimate from their lawyer before proceeding.
Yes. Foreign buyers need an NIE to complete a property purchase in Spain and arrange utilities. Professional assistance with the application typically costs around €250 per person, although fees vary by provider.
When buying an off-plan property in Spain, advance payments must be protected through a bank guarantee or insurance policy and deposited into a dedicated account. If the developer does not complete the property as agreed, the buyer may claim a refund plus legal interest.
Legal due diligence protects buyers when purchasing property in Spain. An independent lawyer checks ownership, debts, charges, planning status and licences before further payments are made. Buyers should avoid signing an unconditional contract or paying a substantial deposit until these checks are complete.
Long-term property rentals in Spain offer more predictable monthly income, lower management requirements and generally fewer operating costs. They are often better suited to owners who prioritise stability and minimal involvement.
Short-term holiday rentals can generate higher seasonal income, particularly in popular Costa del Sol locations, but they require more active management, regular guest turnover and compliance with local tourist rental regulations and licensing requirements.
Yes, short-term holiday rentals are still permitted on the Costa del Sol, but the rules vary between municipalities. Areas such as Fuengirola and Marbella have introduced or considered additional controls on tourist accommodation, while the Andalusian authorities are also working more closely with local councils to enforce planning and registration requirements.
Since 3 April 2025, property owners in Spain generally need prior approval from the homeowners’ association before starting a new short-term tourist rental. Approval requires a three-fifths majority of both owners and ownership quotas. The community may also restrict or prohibit holiday rentals, so buyers should review the property statutes and meeting records before purchasing an investment property in Spain. Properties already operating legally before the new rules may be treated differently.
Emerging areas such as Mijas offer excellent and secure conditions for property rentals while maintaining convenient access to Málaga Airport. Mijas is attractive for both personal use and short-term or medium-term rentals. Statistically, Fuengirola remains one of the strongest rental markets on the Costa del Sol, with an average annual occupancy rate of approximately 75% and an average guest stay of around 64 days. For this reason, we currently often recommend Fuengirola particularly for medium-term and long-term rentals. The ideal location should always be selected according to your personal objectives, preferred rental strategy and the latest market conditions.
Taxes on rental income depend on the owner’s tax residency and individual circumstances. Certain operating costs, including property management, utilities, insurance, marketing and accounting fees, may be deductible. Professional rental management typically costs around 15–20% of rental income, while cleaning and platform fees are often charged separately to guests for short-term stays.
Yes. Spanish banks regularly provide mortgages to non-resident foreign buyers. Financing of around 60–70% of the property’s value may be available for apartments and villas, subject to the lender’s criteria and the buyer’s financial circumstances.
Buyers should typically budget around 30–40% of the purchase price from their own funds to cover the deposit, taxes and purchase costs. In some cases, the amount required may be reduced by combining Spanish financing with borrowing arranged in the buyer’s home country.
Banks may consider income from employment, self-employment, dividends, business profits, investments and rental properties. Clear documentation and accurate presentation of your income are important, and a mortgage specialist can help prepare the application correctly.
The monthly mortgage repayment should generally not exceed 30–35% of your net monthly income. For example, a monthly repayment of approximately €1,475 would require a net income of around €4,300–€5,000.
Spanish mortgages may be available with repayment terms of up to 25–30 years, although most lenders require the loan to be fully repaid by around age 70–75. The exact term will depend on the applicant’s age and the lender’s criteria..
In Spain, buyers can choose between fixed-rate, variable-rate and mixed mortgages. Mixed mortgages offer a fixed rate for an initial period, followed by a variable rate linked to Euribor.
Mortgage subrogation allows a buyer to take over part of the developer’s existing loan when the property is completed. This can simplify the approval process and may offer more favourable financing terms, although the conditions should always be compared with other mortgage options.
Yes. In some cases, buyers can raise finance in their home country against an existing property and use those funds to purchase in Spain. Depending on the lender and the available equity, this may cover up to 100% of the purchase price.
Mortgage approval in Spain typically takes around 3–6 weeks, depending on the bank and the applicant’s circumstances. In some cases, alternative financing arrangements may be completed more quickly, often within 2–3 weeks.
A mortgage specialist can compare offers from multiple banks, help present your income correctly and manage the required documentation, improving your chances of approval. For new developments, they will also ensure the financing process is timed correctly.
ZAČNĚTE SVOU CESTU K VYSNĚNÉMU DOMOVU
Vložte vaše jméno a telefon. Zavoláme vám zpět.
Využijte naše odborné poradenství a realitní služby.



