Spanish mortgage calculator
Estimate transfer tax & fees (ITP or VAT+AJD), your loan amount and monthly payment. Indicative results by autonomous community.
Before deciding, read the FAQs and the Notes below. We recommend validating rates, bonuses and conditions with your bank or advisor.
Taxes & fees
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Loan amount
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Your monthly payment
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Helpful notes
- For resale homes you pay ITP (regional rate). For new build homes you pay VAT (usually 10%, 4% in specific cases) + AJD (regional).
- Notary, land registry, agency and appraisal costs are indicative and vary by region and provider.
- Banks often finance up to 80%. We compute loan amount as price − down payment.
- Monthly payment uses the French amortization formula. Enter nominal rate; fees/commissions are not included.
Frequently asked questions
ITP rate types and when they apply
ITP depends on each region and buyer profile. As a rough guide: 3–5% are often reduced rates (e.g., large families, youth, protected housing, social cases); 6–8% is a typical general range; 10% may apply as a higher bracket or for higher-value properties in some regions. Always check your region’s rules.
What’s the difference between ITP and AJD?
ITP is a transfer tax for resale properties, set by regions. AJD is a stamp duty commonly applied with VAT on new builds.
How much down payment do I need?
Banks often finance up to 80% of price or valuation (whichever is lower). Plan for 20% + taxes & fees.
Why do taxes & fees vary?
They depend on region, buyer profile (age, large family, disability), property type and professional tariffs.
Can I finance taxes & fees?
Usually no. Loans typically cover the property price/valuation, not ancillary costs.
Is APR the same as nominal rate?
No. APR includes fees and compounding; nominal rate does not.