Question 1

What purchase costs should I budget for beyond the asking price?

Accepted Answer

As a new build in Andalucía, this purchase carries IVA (VAT) at 10% of the purchase price plus AJD stamp duty at 1.2%. ITP does not apply. These rates are set by the Autonomous Community of Andalucía. On top of that, allow roughly EUR 600–1,200 for notary fees, EUR 400–800 for land registry fees, and around 1% of the purchase price plus VAT for a solicitor. 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 — so it is worth checking before you finalise your budget.

Question 2

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

Accepted Answer

Non-resident buyers in Spain can typically borrow up to 60–70% of the purchase price or bank valuation, meaning a deposit of 30–40% is usually required. Current variable and fixed mortgage rates from Spanish lenders range broadly between 3.5% and 4.5%, though your personal rate will depend on your financial profile and the lender. We can refer you to an independent mortgage broker with experience in non-resident finance.

Question 3

What are the ongoing running costs for this apartment?

Accepted Answer

Community fees are currently set at no charge. The annual IBI (council tax) figure is not yet available for this new-build property; the agent can advise once the catastral reference is assigned. A separate annual refuse collection charge (basura) may also apply once the development is registered with the local authority.

Question 4

Can I view the apartment remotely before visiting in person?

Accepted Answer

Yes. We offer video viewings via WhatsApp or video call for buyers who cannot travel immediately. We can also arrange an accompanied in-person visit to the show apartment or the site at a time that suits you. Contact us to book either option.

Question 5

Is this apartment suitable as a rental investment?

Accepted Answer

Los Boliches has an active short-term rental market, supported by its beach frontage, the Fuengirola cercanías rail station linking directly to Málaga city centre and the airport, and the area's year-round tourist trade. A tourist rental licence would be required to let the property on platforms such as Airbnb. We recommend speaking with a local property manager for current occupancy and rate guidance specific to this complex.

Question 6

What are the main steps in the purchase process?

Accepted Answer

First, you will need a Spanish NIE (tax identification number), which a solicitor can obtain on your behalf. Once you agree a price, a reservation fee is paid to take the property off the market. This is followed by a private purchase contract (arras or contrato de compraventa), at which point a further deposit — typically 10% of the purchase price — is paid. For a new build, stage payments may apply during construction. Completion takes place before a notary in Spain, at which point the balance is paid and the title deed (escritura) is signed. Your solicitor will then register the property in your name at the land registry.

Property Type	Apartment
Bedrooms	3
Bathrooms	2
Built Area	129 m²
Floor	1 / 7
Energy Certificate	G
Reference	38704380-02

2nd-Floor 2-Bedroom New-Build Apartment, Los Boliches, Fuengirola

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