Question 1

What are the total purchase costs?

Accepted Answer

For this villa at EUR 295,000, purchase costs include 10% transfer tax (ITP) of EUR 29,500, notary fees around EUR 900, land registry approximately EUR 650, and legal fees of about EUR 3,570. Budget approximately EUR 34,620 in total buying costs on top of the purchase price.

Question 2

Can I get a mortgage?

Accepted Answer

Non-resident buyers can typically borrow up to 60-70% of the purchase price. For this villa at EUR 295,000, a 60% mortgage would be EUR 177,000, requiring a deposit of EUR 118,000. At current variable rates around 4%, monthly repayments over 25 years would be approximately EUR 934. Spanish banks require proof of income, tax returns, and a credit report from your home country.

Question 3

What are the running costs?

Accepted Answer

Annual running costs for this villa include: IBI property tax is estimated at EUR 350-600 per year; home insurance runs EUR 200-400 annually; utility bills (electricity, water, internet) average EUR 150-250 per month. Non-resident owners also pay annual income tax (IRNR) on a deemed rental value, typically EUR 300-600 per year for a property at this price level.

Question 4

How can I arrange a viewing?

Accepted Answer

Contact Maya Kallio to arrange an in-person viewing of this villa in Comunidad valenciana. Video viewings are also available for overseas buyers who cannot visit immediately. Viewings can usually be arranged within 24-48 hours.

Question 5

Is this a good rental investment?

Accepted Answer

Daya Vieja is primarily a residential area. Long-term rentals are more common than holiday lets. A 3-bedroom villa could appeal to long-term tenants, especially retirees or workers. Rental income is subject to Spanish tax for non-residents. Consult a local agent for current demand levels.

Question 6

What is the buying process in Spain?

Accepted Answer

The Spanish buying process starts with obtaining an NIE (foreigner identification number). After agreeing a price, you sign a reservation contract with a deposit (typically EUR 3,000-6,000). The next step is the arras contract, where you pay 10% of the price. Completion takes place at a notary, where the escritura (title deed) is signed and the balance paid. The whole process typically takes 6-10 weeks from reservation to completion.

Kohdetyyppi	Huvila
Makuuhuoneet	3
Kylpyhuoneet	3
Asuinpinta-ala	125 m²
Tontin koko	170 m²
Kerros	0
Energiatodistus	Exempt
Viite	OH02179

ITP (10%)	€29,500
Notario	~€950
Registro de la Propiedad	~€650
Abogado (1% + IVA)	~€3,570
Comunidad	€45/mo
IBI	€350/yr
Total	~€34,670 (11.8%)

Huvila 3 makuuhuoneen - Comunidad valenciana, Daya Vieja

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Tietoa alueesta Centro, Daya Vieja

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