What it costs to buy property in Spain — taxes & fees on top of the price

Purchase price (€)
Property typeResale (second-hand)New build (from developer)Plot (from company)Plot (from company – inactive)Plot (from private)
Furniture share in the price (€) ?
New furniture package — incl. IVA (€) ?
Legal serviceStandard – 1,0% of Purchase price + IVAMojo Legal fee – 10% Discount
Buying with a mortgageAdds ~0,5% for valuation, deed & bank costs.

Operational costs — the annual cost of owning a Spanish property (IBI, community fees & non-resident tax)

Property value (€)
Cadastral value (€) ?
Municipality

IBI rate (% of cadastral) ?%
Tax residencySpanish tax residentNon-resident · EU/EEANon-resident · non-EUOwned via company (SL) · 25%
Community fees (€/yr)
Property insurance (€/yr)
Water (€/yr)
Electricity (€/yr)
Internet (€/yr)
Alarm (€/yr)
Waste collection / basura (€/yr) ?
Other (€/yr) ?
Add home-country property tax (for non-Spanish tax residents)
Home countryDenmark — EjendomsværdiskatOther — enter amount
Home-country property tax (€/yr)
I already have a mortgage on this property
Outstanding mortgage (€)
Mortgage interest rate (%)%
Years remaining ?

Holiday-rental income & after-tax return on the Costa del Sol — with Mojo Rentals

All-in purchase price (€) ?
Running costs — deductible (€/yr) pre-filled from Running costs ?
Income-tax basis ?Non-resident EU/EEA — 19%Non-resident non-EU — 24%Company (SL) — 25%
Average nightly rate 220 € ?Mojo Rentals can estimate this for your property.
Occupancy 62% ≈ 226 nights/yr
Mojo Rentals fee (+ 21% IVA)19% + IVA21% + IVA23% + IVA26% + IVA
Mojo AI – Dynamic Pricing (+13%)Lifts revenue by ~13% versus a flat nightly rate.

What you keep when you sell property in Spain — Capital Gains Tax & Plusvalía

Asking price (€)
Discount (%) – 0 €%
Selling price (€) ?
Furniture included in sale (€) ?
Original purchase price (€)
Tax residencySpanish tax residentNon-resident · EU/EEANon-resident · non-EU
Bought — month & year

Selling — month & year

Purchase costs — deductible (€) ?
Improvements — deductible (€) ?
Mojo sales package ?Move — 5,0% + IVAMomentum — 6,5% + IVAMaximise — 7,5% + IVA
Legal service ?Standard – 1,0% of sale price + IVAMojo Legal fee – 10% DiscountMojo Legal Merit Partnership – 50% Discount
Outstanding mortgage to redeem (€) ?
Bank redemption / cancellation fee (€) ?
Total cadastral value (€) ?
Cadastral land value (€) ?
Plusvalía municipality

Plusvalía rate (%) ?%
Sell now — or hold longer?Hold 0 years · growth 4 %/yr
Hold a further… 0 yearsAssumed appreciation 4 %/yr

Spanish mortgage for non-residents — monthly payment, down payment & interest

Property price (€)
Loan-to-value 70%Non-residents typically borrow up to 70%. Slide to 0% for a cash purchase.
Interest rate (%) ?%
Term (years)The loan must be fully repaid by age 75.

Mojo Sharing co-ownership — own a Costa del Sol villa for an eighth

Share price — your 1/8 (€)
Financed by Mojo Mortgage 80% ?
Hold for 7 years
Assumed appreciation 5 %/yr ?
Rent out your weeks through Mojo Rentals (income)
Days to rent out / yr max 45
Rental price per day (€)
Max to the common fund (€) ?
Danish company co-owner — add Rådighedsskat (or other-country tax)
Home countryDenmark — RådighedsskatOther — enter amount
Availability tax base (€) ?
Personal income-tax rate ?37% (standard)56% (top bracket)
Summer weeks (0,50%/wk) weeks 22–34
Non-summer weeks (0,25%/wk) weeks 1–21 & 35–52
Weeks let via Mojo Rentals exempt — no availability tax
Home-country availability tax (€/yr)
Your 6 owned weeks — summer + non-summer + let weeks always total 6.
Let Mojo handle the resale on exit (10.000 € + 5% + IVA)If you’d rather not sell privately, Mojo markets & sells your share — the fee shows below and is NOT counted in the projected gain above.

Your full picture — total cost, annual cashflow & after-tax return