Free calculator · Catalonia

Estimate the cash needed to buy in Catalonia.

Model the deposit, standard property tax and transaction costs before you commit to a Spanish purchase.

Purchase price€Estimated taxable base€Use the highest of purchase price, declared value and reference value.Estimated financing%Other estimated costs%Notary, land registry, valuation and administration vary by transaction.

Estimate

Estimated cash needed

€78,750

Deposit (20%): €50,000
Estimated loan: €200,000
Standard transfer tax (10-13% bands): €25,000
Other costs (1.5%): €3,750

Illustrative estimate using standard rates. It excludes reliefs, reduced rates and case-specific circumstances.

Rates checked on 7 September 2026: Transfer tax rates · Catalan Tax Agency

Review my purchase

How to use it

The purchase price is only the first number.

Choose resale or new build, enter the price and test a realistic financing percentage. For a resale property, the taxable base may be affected by the applicable reference value, so obtain transaction-specific legal or tax advice.

The result keeps the loan separate from taxes and other costs. These expenses are generally not covered by the mortgage and must be planned as cash.

This calculator uses general Catalonia rates and cannot model every relief, reduced rate or personal circumstance.

Frequently asked questions

What the estimate can, and cannot, tell you.

What costs are included?

The estimate includes the part of the price not financed, standard transfer tax for a resale property or VAT and stamp duty for a new build, plus an adjustable allowance for other transaction costs.

Is the result a mortgage offer?

No. It is an educational estimate. The lender decides the loan after assessing the applicant and property, while taxes depend on the specific transaction and current law.

Should a non-resident use a lower financing percentage?

Often yes, because non-resident lending can be more conservative. Use a cautious scenario, then request a case review based on residence, income currency and property use.

From estimate to decision

Does the deposit work for your situation?

Share your residence, income and the property you have in mind. We will review the numbers and explain the realistic next steps.