What does buying a home really cost?
Taxes, costs, mortgage and the savings you need, using the taxes in force in Catalonia.
Result
What do you pay and when?
Guide figures using the taxes in force in Catalonia since 27-06-2025. Notary and registry fees vary by transaction. Mortgage-related costs (notary, registry and paperwork) are paid by the bank by law.
Frequently asked questions
How much is property transfer tax (ITP) in Catalonia in 2026?
Since 27 June 2025 it is charged in bands: 10% up to €600,000, 11% from €600,000 to €900,000, 12% from €900,000 to €1,500,000 and 13% above that. People aged 35 or under buying their main home may pay 5% if they meet the income requirements.
What taxes apply to a new build?
If you buy from the developer you pay no ITP but 10% VAT plus 1.5% Stamp Duty (AJD) in Catalonia. Buyers aged 35 or under get a 100% AJD relief on their main home.
How much do I need to have saved?
Banks usually lend 80% of the price. You cover the other 20% plus taxes and costs: for a resale home, roughly 30-31% of the price.
Who pays the mortgage costs?
Since 2019 the bank pays the notary, registry and paperwork for the mortgage. The buyer only pays the valuation.