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Spain · EUR

Málagareal estate

Málaga turned from a Costa del Sol gateway into a tech-employment city, and it pays Andalucía’s 7% ITP. The centre, Soho and the western beaches are separate markets from the inland barrios.

MadridBarcelonaValenciaSevilleAlicante
Nota simple first
Regional ITP mapped
3D map
6–10%ITP on resale, set by the región
10% + AJDIVA path on a new-build instead
NIEforeign tax number required before the deed
Nota simplethe first document, not the brochure
What a purchase really costs

€300,000 home in Málaga

ITP — resale transfer tax (7%)
€21,000
Notario (≈0.5%)
€1,500
Registro de la Propiedad (≈0.3%)
€900
Gestoría & legal (≈1%)
€3,000
Cash needed at the notaría
€326,400

≈ +8.8% over the price. ITP is the resale rate and it is regional — the same flat costs four points more in Barcelona than in Madrid. A new-build from a developer pays IVA (10% residential) plus AJD instead, never ITP. Get the nota simple before the deposit: charges and embargoes travel with the property, not the seller.

Rentals run on rules

The rent side, in three lines

  • Deposit is one month (fianza) plus a limited additional guarantee, and the fianza is lodged with the regional housing body.
  • Long leases run five years, or seven if the landlord is a company, with statutory tenant renewal — not a one-year rollover.
  • Zonas tensionadas under the 2023 housing law cap increases in designated municipalities; Catalonia applies them, most of Andalucía does not.

Tourist letting is a municipal licence question, never a portal assumption. Buy the asset, not an occupancy slide.

Cities

Six metros, six tax regimes

Spain devolves transfer tax to the comunidades autónomas. Madrid at 6% and Catalonia at 10% are the same purchase with a €12,000 difference on a €300,000 flat. Each city guide carries its own rate.

A large technology and shared-services cluster added year-round professional tenants to what used to be a seasonal book. That is the single biggest change in this market in a decade, and it is what makes long-let underwriting viable here.

The city froze or restricted new tourist-let registrations across dozens of districts as saturation became a political issue. The 7% regional ITP is the friendliest headline rate of Spain’s big coastal metros; the licence risk is not.

Comunidad fees on beachfront urbanizaciones — pools, lifts, security — are the line that quietly eats a gross yield.

FAQ

Is Málaga only a holiday market now?
No, and that is the point. The tech and services base supports twelve-month tenants, which is a different asset from a summer flat.
Why is Andalucía cheaper to buy in?
The región sets ITP at 7% against 10% in Catalonia and Valencia. On €300,000 that is a €9,000 difference before anything else.

All markets: sivrce.com · Georgia marketplace: sivrce.ge · Prices and availability are published only when a verified listing exists. Market currency: EUR.