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BUYER'S GUIDE · AUTUMN 2026 EDITION Your Property on the Costa Blanca

Understand the costs, choose the right town, buy with confidence. The guide for international buyers.

12–14% holiday towns compared 3 steps to the keys buying costs for a new build 16 approvals for holiday letting 10

Kamila Bukowska

Founder of CASA READY · contact for international buyers hello@casa-ready.com · casa-ready.com

FOREWORD First calculate, then check, then enjoy

A home by the sea is a wonderful decision and a big

Contents

What should your property do for you? 4 one. Almost every buyer asks us the same questions: What does it really cost? Which town suits me? Can I rent it out? And how do I buy safely while living abroad?

Your total budget 5

This guide answers these questions one by one, with

Which town suits you? 7

New build, ready to move in or resale? 10 figures from official sources and current market data (as of October 2026). It does not replace legal or tax advice. But it ensures you go into every conversation well

Securing an off-plan purchase 11 prepared: with us, with the bank and with your lawyer.

Letting: licence and yield 12

Kamila Bukowska, founder of CASA READY

Taxes in Spain and at home 14

Financing 15

Checks before a reservation 16

After reading, you will know

The purchase in 10 steps 18

1. your total budget, including all buying costs and running costs

Owning from abroad 20

The 10 most expensive mistakes 21

2. the criteria for the right town, depending on whether you use the property yourself or rent it out

Your buyer checklist 22

3. the checks before a reservation, so you sign nothing you later regret

Glossary and sources 23

Our role

CASA READY supports you through the purchase: we search with you, compare, translate and coordinate. For new builds you pay no commission for our support, it is paid by the developer. Your contractual partner is the developer or seller, and an independent lawyer handles the legal checks. Additional services such as dealing with authorities, utilities or furnishing are agreed in writing beforehand.

AT A GLANCE The essentials on one page

1. Plan 12 to 14% buying costs for a new build and 11 to 12% for a resale property, on top of the price.

2. Running costs for an apartment with a communal pool: €1,800 to €2,800 a year in our examples.

3. Holiday letting requires three approvals: the town hall, the owners' community and the tourism register. In Alicante, El Campello and Altea new licences are currently suspended.

4. Occupancy in our 16 towns is around 53 to 62% in the first year (planning value).

5. Yield in Torrevieja: a new-build studio for €125,000 earns 5.4 to 6.3% net after tax in our example, a two-bedroom apartment 3.8 to 4.4%.

6. Tax on rental income: 19% on the profit for EU/EEA citizens, 24% on gross income for everyone else, for example UK residents.

7. A mortgage without Spanish residency is possible: Spanish banks usually lend 60 to 70% of the price.

8. With a new build your deposits are protected by law through a bank guarantee or insurance. Pay only once you have it, and only into the account in the contract.

9. An independent lawyer costs around 1% of the price. It is already included in our buying costs.

10. You do not need to travel for every step: with a power of attorney and apostille, the notary appointment can take place without you.

01 · YOUR GOAL What should your property do for you?

Only you can answer the most important question. Your goal decides the town, the property and the numbers.

ENJOYMENT FIRST

YIELD FIRST

Holiday home for yourself

Investment for letting

A location to your taste: beach, golf or town

Green licence light, checked before buying

Infrastructure outside the season too

Good occupancy outside summer too

Short trips from the airport

1 to 2 bedrooms, community with a pool

Low running costs

Management on site

THE MIX

QUALITY OF LIFE FIRST

Own use and letting

Wintering or moving later

Plan your own weeks outside July and August

Year-round life: doctors, shops, restaurants in winter too

Licence and management as for an investment

Lift, few steps, easy access

Count own use as a value: 35 days in Torrevieja equal around €2,800 in holiday rent

Towns with a lively winter season, such as Benidorm

Non-EU citizens: the Schengen rule allows 90 days in any 180 without a visa

Your answers

How many weeks a year do you want to spend there, and in which months?

Should the property mainly bring joy or earn money?

What must be nearby: beach on foot, golf course, old town, doctors?

Are you buying with your own funds or with a mortgage?

When would you like to hold the keys?

Buying as a couple or with family?

Let each person write down their priorities separately first and compare them before the viewings. Decide who buys in which shares, and clarify with your lawyer what applies in case of separation, death or a later exit.

02 · YOUR TOTAL BUDGET What you really need

The price is only the largest item. Enter your own figures; on the right you see a worked example.

Your worksheet

Example: new-build apartment,

€200,000

Purchase price

Valencia region, with lawyer, without mortgage

VAT (IVA) 10% €20,000

Buying costs new build 12–14%, resale 11–12%

Stamp duty (AJD) €2,800

Furnishing and equipment

Notary €850 plan room by room: ready to move in is not furnished

Land registry (Registro) €540

Gestoría (processing, tax

€350

Reserve for running costs at least one year, see page 6 returns)

Lawyer (approx. 1% + 21%

€2,420

Trips for viewings and the notary

VAT)

NIE, bank account,

€250

Total budget translations

Electricity/water connection

€400 of which own funds

(new build)

Total buying costs €27,610 13.8% of the purchase price of which mortgage at most 60–70% of the price

Price plus buying costs €227,610

Rule of thumb for own funds

If a Spanish bank finances 70% of the price, you bring 30% plus all buying costs yourself. At €200,000 that is around €88,000. With a €140,000 loan over 25 years, the monthly payment is around €700 to €780 depending on the rate.

Not earning in euros?

If your income or savings are in pounds, kronor, złoty or another currency, your budget moves with the exchange rate. A 5% change on €200,000 means €10,000 more or less in your own currency. Compare bank and specialist transfer fees and plan large transfers ahead.

02 · YOUR TOTAL BUDGET What buying and owning cost

Taxes on the purchase

Valencia region Murcia region

New build: IVA 10% 10%

New build: AJD 1.4% 1.5%

Resale: ITP 9% (over €1m: 11%) 7.75%

Valid since 1 June 2026 25 July 2025

What you pay every year

Item typical per year Note

€600–1,800 apartment with communal pool; villas with private pool usually none

Community fees (comunidad)

€300–700 depending on municipality and cadastral value

Property tax IBI and refuse charge

Insurance €200–400 building and liability insurance from approx. €600 considerably more when renting out

Electricity, water, internet

Non-resident income tax from approx. €150 flat rate for own use; 19% on profit when renting out (EU) approx. €150–400 EU citizens do not need a tax representative

Gestoría for the tax returns

These are typical ranges. For the property you like, we put together the costs to the euro.

Buying cost calculator

Enter the purchase price and choose the region and type of purchase. The result shows taxes and fees individually.

03 · THE RIGHT TOWN Which town suits you?

The Costa Blanca stretches from Dénia in the north to Pilar de la Horadada in the south. The two halves feel very different.

The north

The south

Greener and hillier, with coves and cliffs

Flatter and sunnier, long sandy beaches and salt lakes

Many villas, higher nightly rates, for example in

Jávea and Moraira

Large complexes with pools, lower entry prices

Calpe and Benidorm are lively in winter too

Torrevieja is the largest holiday-rental market in the province

Mixed licence situation: Altea and El Campello suspended, Dénia, Jávea and Villajoyosa restricted

Licences are granted in most towns, only the city of Alicante is suspended

How to choose

Year-round life: is the town busy in February, or do the restaurants close after summer?

Access: from Alicante-Elche airport, the towns in the south are usually quicker to reach than the far north.

Use: for letting, the licence light and occupancy count; for own use, your daily life there.

Location within the town: beach distance, orientation and noise often matter more than the town's name.

Experience first, then decide

Try it out: you can rent our own holiday apartment in

Gran Alacant for a stay and get to know the area at your own pace.

03 · THE RIGHT TOWN 16 holiday towns compared

Planning value for first-year occupancy, average nightly rate in the market and the licence situation in each municipality.

Town Occupancy (plan) Price per night Licence

NORTH

Dénia 54% €152 restricted / unclear

Jávea / Xàbia 54% €248 restricted / unclear

Moraira (Teulada) 57% €238 no moratorium known

Calpe / Calp 58% €166 no moratorium known

Altea 55% €171 new licences suspended

Benidorm 58% €149 no moratorium known

Villajoyosa 54% €131 restricted / unclear

El Campello 58% €162 new licences suspended

SOUTH

Alicante / Playa San Juan 62% €118 new licences suspended

Gran Alacant / Santa Pola 57% €123 no moratorium known

Guardamar del Segura 54% €111 restricted / unclear

Torrevieja 57% €96 no moratorium known

Orihuela Costa 55% €124 no moratorium known

Pilar de la Horadada / Mil Palmeras 53% €129 no moratorium known

Rojales (Ciudad Quesada) 56% €150 not confirmed

San Miguel de Salinas 53% €135 not confirmed

Tap a town to open its page with seasonality, licence situation and properties. Source: AirDNA public market pages, as of 06.10.2026 (October 2025 to September 2026); planning value = market value minus 8 percentage points. Licence situation from municipal research, October 2026. In detail with seasonality and scenarios in the location report.

The location report

All 16 towns with three scenarios, seasonality, bedroom mix and licence details. In the guide on casa-ready.com.

03 · THE RIGHT TOWN Your viewing day

In sunshine with the terrace doors open, every apartment looks good. This is how you see what living there is really like.

In the apartment In the building In the area

Light, sense of space and

Look at the stairwell, lift,

Walk to the supermarket, the privacy at different times of garage and plant rooms beach and the bus stop day yourself

Ask about current and planned

Open windows and cupboards, works and who pays for them

Visit the address a second watch for damp and odours time in the evening or at the weekend

Condition of pool and garden,

Test water pressure, shutters but also of roof and facade and air conditioning

Neighbouring plots: is construction planned?

Who lives here: residents,

Terrace orientation: when does holidaymakers or both? it get the sun?

On a slope or in a hollow: check the risks with experts

Record rather than remember

Take photos and note for each must-have: met, open or not met. Judge the price and your overall impression only afterwards. Missing documents stay open, even if you love the apartment.

Can't travel? We view the property for you by video and go through this list with you live.

04 · TYPE OF PROPERTY New build, ready to move in or resale?

Three routes to your own home. The differences lie in costs, guarantees, timing and rentability.

Off-plan new build Ready-to-move-in new build Resale

13.8% 13.8% 11.2%

Buying costs (example €200,000)

Tax 10% IVA plus 1.4% AJD 10% IVA plus 1.4% AJD 9% ITP (Valencia region)

Guarantees 10 years structure, 3 years habitability, 1 year finishes as new build, from completion liability for hidden defects, claim within 6 months in one go, usually within a few weeks

Payment in stages over 12–24 months, deposits protected in one go, usually within a few weeks

Use from handover immediately immediately

Letting new licence, community approval needed new licence, community approval needed existing registration possible, new declaration after purchase

Energy rating very good very good often weaker, renovation possible

Location often new residential areas often new residential areas often established, central areas

Price price list, choice of unit price list, small choice room to negotiate

Buying costs according to our cost model, including lawyer. For resale properties, liability for hidden defects is often limited in the contract, so a viewing with an expert is worthwhile.

Which suits when?

Off-plan new build

Ready-to-move-in new

Resale build

You have 1 to 2 years

An established, central location matters to you

You want to move in or let soon

You want to pay in stages and choose the unit

You want to negotiate or renovate

You still want new-build guarantees

Guarantees and energy rating matter to you

You have an expert check the condition

You see the finished apartment before buying

Energy certificate: the rules are tightening

There is no ban on selling poorly rated apartments. But the 2024 EU buildings directive requires the housing stock to become gradually more efficient, and Spain is implementing it. Well-rated apartments are therefore the safer choice in the long run.

MORE IN OUR GUIDE New build or resale: the full comparison casa-ready.com/en/guide/new-build-or-resale-spain.html

05 · BUYING OFF-PLAN How to secure your new-build purchase

When you buy off-plan, you pay before the apartment exists. Spanish law protects you well if you know the rules.

Bank guarantee before every deposit

1 Only into the contract account

2

Deposits before completion must be secured, including interest, by a bank guarantee or

Payments go directly to the developer, into the account named in the contract. Never in cash, never via third parties, not via us either. insurance (Ley 38/1999). Get the guarantee in hand before you pay.

Everything in writing

3 Follow construction progress

4

We keep you updated on progress. Your rights in case of delay are set out in your contract.

Keep the specification, floor plan and marketing material. Have special requests confirmed in writing by the developer with price and date.

Handover with a report

5 Report defects on time

6

At handover, draw up a snagging list and have it

Report later defects in writing with photos to the countersigned. Check that the occupancy licence (licencia de ocupación) is in place. developer's after-sales service. Statutory liability: 1 year finishes, 3 years habitability, 10 years structure.

Three common misconceptions

“The agent guarantees the handover

The date is owed by the developer. Your contract sets out what applies in case of delay. date.”

“That was agreed verbally.” Verbal agreements, including with a sales office, are hard to enforce. Only what is in writing counts.

“The agent checks the contract legally.” We explain and watch the key points. The legal review belongs to an independent lawyer.

MORE IN OUR GUIDE Agent or developer: who is responsible for what casa-ready.com/en/guide/agent-or-developer-who-is-responsible.html

06 · LETTING Can I rent it out? The three approvals

Since 2024 and 2025, stricter rules apply in the Valencia region. Letting is still very feasible if you check before buying.

1 Certificate from the town hall

The town hall confirms that tourist use is permitted at this address (informe de compatibilidad urbanística). In towns with a moratorium it is currently not issued.

2 Approval of the owners' community

Since April 2025, new holiday lets need the express approval of three fifths of the owners and shares. The community may decide a surcharge of up to 20% on the fees. Those who let legally before enjoy protection of existing use.

3 Entry in the tourism register

The declaration with the Valencia region's tourism register is valid for 5 years. The registration number must appear in every listing. After a change of owner, a new declaration is required.

10 days

5 years

3/5 validity of the registration maximum per guest as holiday letting community majority for new holiday lets

Check before buying

Is there a moratorium or a cap for the zone in the municipality?

What do the community statutes say about tourist use?

Does the apartment have its own cadastral reference and an occupancy licence?

Is it already registered, and until when is the entry valid?

Does the apartment also work with long-term letting? That is your safety net.

MORE IN OUR GUIDE Holiday rental licence in the Valencia region casa-ready.com/en/guide/holiday-rental-licence-valencia.html

06 · LETTING What is left of the rent

Two examples from Torrevieja, the largest holiday-rental market on the Costa Blanca. Calculated with management, all running costs and Spanish tax.

New-build studio in the centre

Two-bedroom apartment

Price €125,000 · €80 per night

Price €175,000 · €85 per night

First year (57%) Market level (65%)

First year (57%) Market level (65%)

Nights per year 188 214

Nights per year 188 214

Rental income €15,040 €17,120

Rental income €15,980 €18,190

Management and

−€3,760 −€4,280

Management and

−€3,995 −€4,548 platform 25% platform 25%

Fixed costs −€1,800 −€1,800

Fixed costs −€2,800 −€2,800

Tax 19% −€1,801 −€2,098

Tax 19% −€1,745 −€2,060

Net per year €7,679 €8,942

Net per year €7,440 €8,782

5.4–6.3%

4.6%

3.8–4.4%

3.2% net after tax in the cautious scenario net after tax in the cautious scenario

(50%)

(50%)

Net yield based on price plus 13% buying costs, without financing and without value growth. Tax at the EU/EEA rate. Guests pay the final cleaning. Source: Costa Blanca location report, October 2026.

Plus your own holidays

Three resilience questions

Could you cover the running costs for a year

In both examples, 35 days a year remain free for even without rental income? you. A comparable holiday rental would cost you around €2,800.

What happens with a major repair or a special levy from the community?

With a mortgage: does the plan still hold if repayments exceed the surplus?

Calculate your own example

Our yield calculator takes price, occupancy, nightly rate and, if you like, financing, and shows instantly what is left.

07 · TAXES Taxes in Spain and at home

As a non-resident owner you pay tax in Spain on the property. Double taxation treaties prevent you from paying twice.

In Spain

Letting EU/EEA citizens: 19% on the profit; management, running costs, property tax and 3% depreciation a year are deductible. Other countries, for example the UK: 24% on gross income.

Own use A flat 1.1% of the cadastral value (otherwise 2%) is taxed as deemed income, at 19% for EU citizens. At a cadastral value of €60,000 that is around €125 a year.

Return Form Modelo 210. Rental income from Q4 2026 once a year, 1 to 20 April. Own use by 31

December of the following year. A gestoría handles this for €150 to €400 a year.

Wealth tax Allowance of €700,000 per person. A typical holiday home is well below it.

Sale 19% on the gain. The buyer withholds 3% of the price and pays it to the tax office; it is offset. Plus the municipal capital gains tax on the land (plusvalía).

In your home country

Germany: rental income from Spain goes in Annex V; under the 2011 treaty the Spanish tax is credited, so you do not pay twice.

Poland: rental income belongs in the annex PIT/ZG; Spanish tax is taken into account using the proportional credit method.

Netherlands: the property falls into Box 3; the tax office grants a reduction to avoid double taxation.

Other countries have their own treaties with Spain. Think early about inheritance: Spanish property is subject to Spanish inheritance tax. We gladly recommend tax advisers.

The rules depend on your personal situation, in particular your tax residence. Have your first return checked by a tax adviser.

MORE IN OUR GUIDE Taxes on your holiday home in Spain casa-ready.com/en/guide/taxes-holiday-home-spain.html

08 · FINANCING Financing without Spanish residency

Spanish banks also lend to buyers from abroad, usually 60 to 70% of the price. There are three routes.

Spanish mortgage

Financing at home

Developer payment plan

The property in Spain is the

You borrow against an existing

With a new build you pay in security. Loan and property in the property in your home country. A stages. A mortgage is only paid same country, paid out directly at familiar bank, and in Spain you out on completion. This buys you the notary appointment. buy like a cash buyer. time.

Documents the bank needs Good to know

Passport or ID card and NIE (Spanish tax number)

Since 2019 the bank pays the notary, land registry and tax on the mortgage deed. You only pay the valuation, around €400.

Payslips or, if self-employed, accounts

Tax returns for the last one to two years

The bank must give you the binding offer (FEIN) at least 10 days before signing. Compare at least two offers by the annual percentage rate (TAE).

A fixed rate gives you certainty over the whole term.

Bank statements and proof of the source of your own funds

Sort out financing before the reservation, not after.

Credit report and existing loans

Employment contract, some documents with certified translation

Rule of thumb for own funds

If a Spanish bank finances 70% of the price, you bring 30% plus all buying costs yourself. At €200,000 that is around €88,000. With a €140,000 loan over 25 years, the monthly payment is around €700 to €780 depending on the rate.

MORE IN OUR GUIDE Financing property in Spain without residency casa-ready.com/en/guide/mortgage-property-spain.html

09 · BEFORE THE RESERVATION What to check before a reservation

A reservation takes the property off the market and usually costs a few thousand euros. You should have seen these documents first.

For a new build For a resale

Building licence (licencia de obras)

Land registry extract (nota simple): owner, charges, mortgages

Sample bank guarantee or insurance for deposits

Cadastral reference and latest property tax bill (IBI)

Specification (memoria de calidades) and floor plan

Community certificate: no outstanding fees

Payment plan, handover date and rules in case of delay

Community minutes: planned special levies?

Energy certificate and occupancy licence

Draft community statutes: is holiday letting allowed?

Written equipment list: kitchen, appliances,

If letting: existing registration and protection of existing use lighting, air conditioning, parking

Land registry extract (nota simple) of the plot

For every purchase

Licence situation in the municipality, if you want to let

Financing clarified in advance

Independent lawyer instructed

Total budget calculated as in chapter 2

09 · BEFORE THE RESERVATION Reservation contract and warning signs

What the reservation contract should state

Exact description of the property with price and buying-cost arrangements

Amount of the reservation and the account it goes to

Deadline for the purchase contract

Whether the amount is credited against the price

What happens to the amount if the checks or the financing fail

For new builds: reference to the bank guarantee for all further payments

When to be wary

Proper payments go by bank transfer to the contractual partner.

Payment in cash or to someone else's account

No bank guarantee before the first deposit Without protection, you do not pay.

Pressure: “Only today at this price” A good apartment can stand a few days of checks.

Promises only made verbally What is not in the contract is hard to enforce.

Suddenly new bank details by email Always confirm changed bank details by phone on a number you already know before paying.

One lawyer for both sides Your lawyer should represent only you.

Yield promises without the workings Calculate with planning values as on page 13, not with the best month.

10 · THE PROCESS The purchase in 10 steps

Step What happens Who

1 Goal and budget Self-check and worksheet from chapters 1 and 2 You, gladly with us

2 Check financing Which amount is realistic? You, bank

3 Choose towns and properties Shortlist, viewing on site or by video You, CASA READY

You, lawyer if you

4 NIE and Spanish account Apply for the NIE at a Spanish consulate at home or in Spain wish

5 Instruct a lawyer Independent, around 1% of the price You

6 Reservation Property taken off the market You, seller

7 Check documents Land registry, permits, licence situation, debts Lawyer, we support

8 Contract and deposit New build: private purchase contract with bank guarantee. Resale: deposit contract (arras), often 10% You, lawyer

9 Notary appointment Title deed (escritura), balance payment, proof of source of funds

You or your attorney

10 Taxes, registry, utilities Gestoría pays the taxes, registration after a few weeks, connect power and water Gestoría, you

Buying without travelling every time

Viewing by video if you already know the town

Power of attorney signed before a notary at home, with apostille, for account, NIE and notary appointment

Prepare signatures and documents digitally, originals by courier

The handover is worth the trip: snagging list and keys

10 · THE PROCESS Timeline and payment plan

How long it takes

Off-plan new build Reservation, purchase contract after about 4 weeks, handover usually 12 to 24 months later.

Usually only a few weeks between reservation and notary.

Ready to move in or resale

Example payment plan, new build €200,000

When Price IVA 10% Other Total

€6,000 €0 €0 €6,000

Reservation reservation contract, property taken off the market

€54,000 €6,000 €2,420 €62,420

Private purchase contract (approx. 4 weeks later) IVA on the deposits; lawyer

€140,000 €14,000 €5,190 €159,190

Handover at the notary balance, AJD, notary, land registry, gestoría, other costs

Total €200,000 €20,000 €7,610 €227,610

Rounded values, the split varies by project. With a mortgage, the bank pays the balance at handover.

Your protection: in Spain, deposits paid before completion must be secured by a bank guarantee or insurance. We check that it is in place before the first payment. With a mortgage, the bank pays the balance at handover.

On handover day

Record the condition with dated photos, note the meter readings

Check keys, remotes and appliances, compare the equipment with the list

Enter defects and outstanding work in the report, with who is responsible and by when

Keep all documents in one folder, digital and original

Handing over the keys alone does not confirm that everything is complete and free of defects.

11 · AFTER THE PURCHASE Owning from abroad

With a Spanish bank account, a few direct debits and the right contacts on site, the property almost runs itself.

Your annual calendar

What you should organise

Ongoing

Management when letting: guest communication, check-in, cleaning. In our calculations 25% of turnover.

Community fees, electricity, water, internet by direct debit

Keys and checks: someone on site who looks in after storms or longer absences.

Gestoría: for the annual tax returns.

Depending on the town Property tax IBI and refuse charge by notice, best by direct debit

Tradespeople and insurance: emergency contacts, building and liability insurance.

1 to 20 April

Approval limit: up to which amount may your service provider order repairs without asking?

Tax return Modelo 210 for the previous year's rental income

By 31 December

Modelo 210 for the previous year's own use

Once a year

Owners' meeting of the community, renew insurance

If you wish, we put you in touch with management, gestoría and tradespeople. Further services are agreed in writing beforehand.

12 · LEARN WITHOUT PAYING The 10 most expensive mistakes and how to avoid them

01 Only counting the purchase price

Plan buying costs, furnishing and a reserve (chapter 2).

02 Planning to let without checking the licence

Clarify the three approvals before buying (chapter 6).

03 Choosing the town by the August holiday feeling

Visit in winter too, or try a stay first.

04 Paying deposits without a bank guarantee

First the guarantee, then the payment, only into the contract account.

05 Relying on verbal promises

Have every promise confirmed in writing.

06 Buying without your own lawyer

Around 1% of the price, well invested.

07 Arranging financing only after the reservation

Check beforehand which amount is realistic.

08 Calculating with the best scenario

Plan with the first year, not the market level.

09 Forgetting the Spanish tax

Modelo 210 every year, also for own use.

10 A handover without a report

Record defects in writing and have them countersigned.

13 · YOUR CHECKLIST Your buyer profile on one page

Fill in this page and bring it to the buyer profile check. That way we can use the time for your questions.

My goal ☐ own use ☐ letting ☐ mix ☐ wintering

Own weeks per year / months

Total budget of which own funds / mortgage

Type ☐ off-plan ☐ ready to move in ☐ resale

Bedrooms ☐ 1 ☐ 2 ☐ 3 or more

My three preferred towns

Must have ☐ beach on foot ☐ sea view ☐ lift ☐ pool ☐ parking

Rules out a purchase

Keys in hand by

My open questions

14 · GLOSSARY AND SOURCES The key terms

NIE tax number for foreigners, required

Nota simple land registry extract with owner and for every purchase charges

Contrato de arras deposit contract for resales

Reserva reservation, takes the property off the market

Escritura notarial title deed Aval bancario bank guarantee for new-build deposits

Memoria de calidades building specification Licencia de ocupación occupancy licence, required to move in and let

IVA / AJD VAT and stamp duty on new builds ITP transfer tax on resales

IBI annual municipal property tax Comunidad owners' community and its fees

Plusvalía municipal municipal capital gains tax on sale Gestoría office for taxes and paperwork

Tasación bank valuation for a mortgage FEIN binding mortgage offer from the bank

Modelo 210 tax return for non-residents Renta imputada deemed income for own use

Sources

1. AirDNA, public market pages for Alicante province, as of 06.10.2026; INE, Encuesta de Ocupación en Alojamientos Turísticos 2025

2. Agència Tributària Valenciana (Ley 5/2025: ITP 9%, AJD 1.4% since 01.06.2026); Agencia Tributaria de la Región de Murcia (Ley 3/2025)

3. BOE: Ley 38/1999 de Ordenación de la Edificación; Decreto-ley 9/2024 (Comunitat Valenciana); Ley Orgánica 1/2025 (Ley de Propiedad Horizontal, art. 7.3 and 17.12)

4. Texto Refundido de la Ley del IRNR; Orden HAC/623/2026 (Modelo 210); Ley 5/2019 de crédito inmobiliario

5. Double taxation treaties of Spain with Germany (2011), Poland and the Netherlands; municipal information on licences, October 2026

This guide is not legal or tax advice. All information to the best of our knowledge, as of October 2026. Fees are typical values, yields are example calculations without guarantee. Value growth is not guaranteed.

YOUR NEXT STEP The 20-minute buyer profile check

Bring your completed checklist. Together we go through budget, location and the next checks, by video or phone. Free of charge and without obligation.

Your total budget, calculated for the property you like

Two or three towns that match your goal, with licence situation

Your next checks before a reservation

Experience first, then decide: a trial stay in our apartment in Gran Alacant.

Kamila Bukowska

Ronny Steinhagen

WhatsApp Website

Spain and WhatsApp: +34 657 066 921 Germany: +49 172 714 5989 hello@casa-ready.com www.casa-ready.com