Question 1

What purchase taxes and costs should I budget for?

Accepted Answer

As a new build in the Valencian Community, this purchase carries IVA (VAT) at 10% of the purchase price plus AJD stamp duty at 1.4%. ITP does not apply. Tax is charged on the higher of the price paid and the property's official reference value, so treat any figure based on the asking price as a minimum. Reduced rates and local allowances may apply if you meet this region's conditions — for example age, large-family or disability status, or buying a primary residence — and are worth checking before you budget. Additional costs typically include notary fees of EUR 600–1,200, land registry fees of EUR 400–800, and legal fees of around 1% of the purchase price plus VAT.

Question 2

Can I get a mortgage as a non-resident buyer?

Accepted Answer

Non-resident buyers purchasing in Spain typically need a deposit of 30–40% of the purchase price, as Spanish lenders generally finance up to 60–70% for non-residents. Current variable and fixed mortgage rates in Spain range broadly from 3.5% to 4.5%, though rates vary by lender and applicant profile. We recommend obtaining an independent mortgage assessment before making an offer.

Question 3

What are the ongoing running costs for this property?

Accepted Answer

Community fees are estimated at EUR 255 per month, which covers shared facilities including the pool, gym, sauna and common areas. The annual IBI (local property tax) is estimated at EUR 2,970. Please note these figures are estimates and may be subject to change. Utility costs will depend on usage.

Question 4

Can I arrange a viewing remotely?

Accepted Answer

Yes. We offer video viewings for buyers who are unable to travel to Calpe ahead of an in-person visit. Contact our team to arrange a scheduled video call with an agent on site, who can walk through the property and the communal areas in real time.

Question 5

Is this property suitable for holiday rental?

Accepted Answer

Ifach and Calpe generally have strong short-term rental demand, particularly during the summer months, given their coastal location and access to beaches and the Peñón de Ifach park. However, tourist licence requirements in the Valencian Community have become more restrictive, and availability of new licences can depend on the specific building and local regulations. We strongly recommend taking independent legal advice on rental licensing before purchasing with this intention. We do not quote projected yields, as these vary with occupancy, management costs and seasonal demand.

Question 6

What does the purchase process involve?

Accepted Answer

The first step is obtaining an NIE (Número de Identidad de Extranjero), the tax identification number required for any property purchase in Spain. Once you have agreed terms, a reservation contract is typically signed and a holding deposit paid to take the property off the market. This is followed by a private purchase contract (arras), at which point a further deposit — commonly 10% of the purchase price — is paid and the completion date is set. The sale is then completed before a notary, at which point the balance is transferred and the title deed (escritura) is signed. We recommend appointing an independent Spanish solicitor to act on your behalf throughout.

Type de bien	Penthouse
Chambres	3
Salles de bain	3
Surface habitable	320 m²
Étage	0
Certificat énergétique	G
Référence	15396111-01

IVA (10%) + AJD (1.5%)	€189,750
Notario	~€1,200
Registro de la Propiedad	~€850
Abogado (1% + IVA)	~€19,965
Comunidad	€255/mo
IBI	€2,970/yr
Total	~€211,765 (12.8%)

Penthouse 3 chambres - Ifach, Calpe

Description

Détails du bien

Équipements

Distances et environs

Emplacement sur la carte

Certificat énergétique

Frais d'acquisition estimés

Charges annuelles

Aperçu de l'investissement

À propos de Ifach, Calpe

Questions fréquentes

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