How much money do I need to buy a property in Spain
A resident financed at 80% needs roughly 30% of the price in cash. A non-resident financed at 65% reaches 45%. On a 250,000 euro home, the gap between the two runs to 37,500 euros.
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The Spanish property market, decoded.
Official data, real tax rules and up-to-date regulation. What you need to buy with judgement, not luck.
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Taxes when selling a property in Spain 2026
Two taxes stack up when you sell, one municipal, one national. On a home sold for 280,000 euros after ten years, they take 11,700 euros. The full calculation, the three exemptions and the coefficient trap.
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Short-term rentals in Spain 2026: what is actually required
On 19 May 2026 the Supreme Court struck down Spain's national short-term rental register. The state number is no longer required. Here is what still is, and what always was.
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Price per square metre in Spain 2026
For the same quarter, Fotocasa reports 3,133 euros per square metre and Gesvalt 2,041. The gap reaches 53%. Neither is wrong, and here is how to tell which one applies to you.
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How to calculate the real rental yield of a Spanish property
Gross yield across Spain stands at 6.5% in the second quarter of 2026. On the same property, after costs and tax, 3.7% is left. The three calculations and the gap between them.
Foreign buyer
Mortgages for non-residents in Spain 2026
Spanish banks lend 60% to 70% of the appraisal value to a non-resident, against 80% for a resident. The number that actually matters is the savings required, and it comes close to 45% of the price.
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Property purchase taxes and costs in Spain 2026
The main tax runs from 4% to 13% depending on the region. On a 200,000 euro home, the gap between Madrid and Catalonia reaches 8,000 euros. The full breakdown, region by region.