{"id":1807,"date":"2025-04-14T11:04:06","date_gmt":"2025-04-14T11:04:06","guid":{"rendered":"https:\/\/www.airushomes.com\/blog-1\/"},"modified":"2026-10-15T16:02:01","modified_gmt":"2026-10-15T16:02:01","slug":"airus-homes-buying-guide-101","status":"publish","type":"post","link":"https:\/\/www.airushomes.com\/fr\/airus-homes-buying-guide-101\/","title":{"rendered":"Buying Property in Marbella (2026): Costs, Taxes and Step-by-Step Guide"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1807\" class=\"elementor elementor-1807\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed4503 e-flex e-con-boxed e-con e-parent\" data-id=\"6ed4503\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b726f0 elementor-widget elementor-widget-heading\" data-id=\"0b726f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Guide to Buying Property <b> in The Costa del Sol<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c738e55 elementor-widget elementor-widget-heading\" data-id=\"c738e55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Marbella, nestled on Spain's sun-drenched Costa del Sol, is renowned for its luxurious lifestyle, pristine beaches, and vibrant culture. Whether you're considering a holiday retreat, a permanent residence, or an investment opportunity, understanding the local real estate landscape is crucial.<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f61f626 e-flex e-con-boxed e-con e-parent\" data-id=\"3f61f626\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0bab7d elementor-widget elementor-widget-text-editor\" data-id=\"f0bab7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><h2><strong>Why Marbella?<\/strong><\/h2>\n\n<p>Marbella has evolved beyond its reputation as a glamorous getaway. Today, it&rsquo;s a dynamic hub attracting a diverse international community, including entrepreneurs, digital nomads, and families seeking a better quality of life.<\/p>\n\n<p>The city blends modern infrastructure with Andalusian charm \u2014 and with over 300 sunny days per year, it\u2019s easy to see why so many fall in love with it.<\/p>\n\n<hr style=\"margin: 40px 0;\" \/>\n\n<h2><strong>Step UNO:<\/strong> Understanding the Costs<\/h2>\n\n<p>Buying a property involves more than just the purchase price. You&rsquo;ll need to account for approximately 10\u201313.5% in additional costs. These include:<\/p>\n\n<ul>\n  <li>7% Transfer Tax for resale properties, or 10% VAT for new builds<\/li>\n  <li>Stamp Duty, typically 1.2% of the price<\/li>\n  <li>Legal fees (1\u20132%)<\/li>\n  <li>Notary and registry fees (about 1\u20131.5%)<\/li>\n<\/ul>\n\n<p>It\u2019s wise to budget beyond the list price to avoid surprises and keep your investment on track.<\/p>\n\n<h3 style=\"margin-top: 32px;\">Financing Your Purchase<\/h3>\n\n<p>If you\u2019re not buying in cash, Spanish banks offer mortgages to foreigners, usually up to 70% of the property\u2019s value. Most banks require proof of income, a solid credit history, and a Spanish tax ID (NIE).<\/p>\n\n<p>Mortgage terms vary, so it\u2019s best to speak to a few banks or mortgage brokers to compare offers and secure the right deal for your situation.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-442889c elementor-widget elementor-widget-image\" data-id=\"442889c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1435\" src=\"https:\/\/www.airushomes.com\/wp-content\/uploads\/2025\/04\/background-buy-2-scaled.jpg\" class=\"attachment-full size-full wp-image-1946\" alt=\"\" srcset=\"https:\/\/www.airushomes.com\/wp-content\/uploads\/2025\/04\/background-buy-2-scaled.jpg 2560w, https:\/\/www.airushomes.com\/wp-content\/uploads\/2025\/04\/background-buy-2-300x168.jpg 300w, https:\/\/www.airushomes.com\/wp-content\/uploads\/2025\/04\/background-buy-2-1024x574.jpg 1024w, https:\/\/www.airushomes.com\/wp-content\/uploads\/2025\/04\/background-buy-2-768x430.jpg 768w, https:\/\/www.airushomes.com\/wp-content\/uploads\/2025\/04\/background-buy-2-1536x861.jpg 1536w, https:\/\/www.airushomes.com\/wp-content\/uploads\/2025\/04\/background-buy-2-2048x1148.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5679a47 e-con-full e-flex e-con e-child\" data-id=\"5679a47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e18800 elementor-widget elementor-widget-text-editor\" data-id=\"1e18800\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>Step DOS:<\/strong> Property Search \u2013 Identifying the Right Home<\/h2><p>Searching for a home on the Costa del Sol is exciting\u2014but it can also feel overwhelming. To streamline the process, start by clarifying your needs, budget, and lifestyle goals.<\/p><h3 style=\"margin-top: 24px;\">Key Considerations<\/h3><p>When narrowing down your options, keep these four pillars in mind:<\/p><ul><li><strong>Location:<\/strong> One of the biggest drivers of value. Decide what matters most\u2014proximity to beaches, schools, restaurants, or transport links. Your choice impacts lifestyle, convenience, and long-term investment.<\/li><li><strong>Intent:<\/strong> Are you buying for holidays, relocation, or rental income? Your objective should guide every decision.<\/li><li><strong>Needs:<\/strong> Think essentials\u2014bedroom count, layout, accessibility. These are your non-negotiables.<\/li><li><strong>Wants:<\/strong> A pool, sea view, or rooftop terrace can elevate the experience, but shouldn&rsquo;t override your needs. Clarify your wishlist, but keep perspective.<\/li><\/ul><h3 style=\"margin-top: 24px;\">The Viewing Process<\/h3><p>Start online to get a feel for the market. Then dive into in-person viewings\u2014it\u2019s the only way to truly understand the space, vibe, and surroundings.<\/p><ul><li>Online listings give a useful overview but don\u2019t show the full picture.<\/li><li>Photos can be misleading, both positively and negatively. Visit properties before making decisions.<\/li><li>View multiple homes, even those outside your initial criteria\u2014you might be surprised.<\/li><\/ul><h3 style=\"margin-top: 24px;\">Work with a Real Estate Agent<\/h3><p>In areas like Marbella, most agents collaborate and share listings, meaning you can work with a single professional to access the full market. The right agent will:<\/p><ul><li>Save you time by filtering relevant properties<\/li><li>Spot opportunities you might miss on your own<\/li><li>Offer insider market knowledge<\/li><li>Handle negotiations and paperwork on your behalf<\/li><\/ul><p><strong>Tip:<\/strong> A trustworthy agent is key. Be clear about your budget, expectations, and timeline from day one.<\/p><hr style=\"margin: 40px 0;\" \/><h2><strong>Step TRES:<\/strong> The Buying Process \u2013 From Offer to Ownership<\/h2><p>Once you\u2019ve found the right property, the next phase involves securing it legally and financially. This is where the process becomes technical\u2014but with the right agent and legal team, it stays manageable.<\/p><h3 style=\"margin-top: 24px;\">Making an Offer<\/h3><p>When you&rsquo;re ready to move forward, your agent will help you determine a fair offer based on current market conditions, property features, and seller motivation.<\/p><p>It\u2019s best to wait until after the viewing to make your offer and keep negotiations between you and your agent. This approach increases your chances of getting the best price and terms.<\/p><aside style=\"margin-top: 24px; padding: 16px; background: #f8f5f0; border-left: 4px solid #d1b99e;\"><strong>Note:<\/strong> Your agent should lead all pricing discussions. Avoid sharing your full opinion when other parties are involved, and keep it private between you and your agent; they will work to find the best price for you.<\/aside><h3 style=\"margin-top: 24px;\">Three Key Stages of the Purchase<\/h3><p>Here\u2019s how the typical buying process unfolds in Spain:<\/p><ul><li><strong>Reservation Contract:<\/strong> Once your offer is accepted, you\u2019ll sign a reservation contract and pay a deposit\u2014typically around \u20ac6,000. This removes the property from the market while due diligence begins.<\/li><li><strong>Arras Contract:<\/strong> Once legal checks are completed, you\u2019ll sign a private contract (Contrato de Arras) and pay a 10% down payment. This is a binding agreement between buyer and seller.<\/li><li><strong>Final Deed &amp; Notary:<\/strong> The final step is the signing of the public deed at the notary\u2019s office. Here, you pay the balance, receive the keys, and become the legal owner.<\/li><\/ul><hr style=\"margin: 40px 0;\" \/><h2><strong>Conclusion:<\/strong> A Smart, Structured Approach Wins<\/h2><p>Buying property in Marbella or anywhere on the Costa del Sol is a significant investment\u2014and an exciting one. But success depends on having a clear process and the right team in place.<\/p><p>Every step\u2014from search to signing\u2014requires planning, due diligence, and professional support. Work with a trusted agent, ask the right questions, and be ready to act when the perfect home comes your way.<\/p><p>This guide is designed to help you move confidently through the process. If you have questions or need support, our team is here to help.<\/p><h3 style=\"margin-top: 32px;\">Contact Airus Homes<\/h3><p>We\u2019re committed to helping you find the perfect property that fits your lifestyle and goals. Let\u2019s take the next step together.<\/p><p><strong>Phone:<\/strong> <a href=\"tel:+34951456647\">+34 951 456 647<\/a><br \/><strong>Email:<\/strong> <a href=\"mailto:info@airushomes.com\">info@airushomes.com<\/a><\/p><hr style=\"margin: 40px 0;\" \/><h2>Help Us Find Your Dream Home<\/h2><p>At Airus Homes, we&rsquo;re committed to finding the perfect property that matches your unique needs and desires. To serve you better, we&rsquo;ve created a short form to gather information about your preferences when buying a home in Costa del Sol or Marbella.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-061da1c e-flex e-con-boxed e-con e-parent\" data-id=\"061da1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f4b1df2 e-con-full e-flex e-con e-child\" data-id=\"f4b1df2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c86427c elementor-widget elementor-widget-shortcode\" data-id=\"c86427c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"frm_forms  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electr\u00f3nico v\u00e1lida.\" aria-invalid=\"false\"  \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_6_container\" class=\"frm_form_field form-field  frm_required_field frm_none_container vertical_radio\">\r\n    <div  id=\"field_pxm15_label\" class=\"frm_primary_label\">Casillas\r\n        <span class=\"frm_required\">*<\/span>\r\n    <\/div>\r\n    <div class=\"frm_opt_container\" aria-labelledby=\"field_pxm15_label\" role=\"group\">\t\t<div class=\"frm_checkbox\" id=\"frm_checkbox_6-0\">\t\t\t<label  for=\"field_pxm15-0\">\n\t\t\t<input type=\"checkbox\" name=\"item_meta[6][]\" id=\"field_pxm15-0\" value=\"He le\u00eddo y acepto la &lt;a href=&quot;\/es\/politica-privacidad\/&quot; target=&quot;_self&quot; title=&quot;pol\u00edtica de privacidad&quot;&gt;pol\u00edtica de privacidad&lt;\/a&gt; y el &lt;a href=&quot;\/es\/aviso-legal\/&quot; target=&quot;_self&quot; title=&quot;aviso legal&quot;&gt;aviso legal&lt;\/a&gt; de este sitio.\"  data-reqmsg=\"Este campo no puede estar en blanco.\" data-invmsg=\"Casillas est non valide\"   aria-required=\"true\"  \/> He le\u00eddo y acepto la <a href=\"\/es\/politica-privacidad\/\" target=\"_self\" title=\"pol\u00edtica de privacidad\">pol\u00edtica de privacidad<\/a> y el <a href=\"\/es\/aviso-legal\/\" target=\"_self\" title=\"aviso legal\">aviso legal<\/a> de este sitio.<\/label><\/div>\n<\/div>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_8_container\" class=\"frm_form_field form-field  frm_required_field frm_none_container vertical_radio\">\r\n    <div  id=\"field_4vnnf_label\" class=\"frm_primary_label\">Casillas\r\n        <span class=\"frm_required\">*<\/span>\r\n    <\/div>\r\n    <div class=\"frm_opt_container\" aria-labelledby=\"field_4vnnf_label\" role=\"group\">\t\t<div class=\"frm_checkbox\" id=\"frm_checkbox_8-0\">\t\t\t<label  for=\"field_4vnnf-0\">\n\t\t\t<input type=\"checkbox\" name=\"item_meta[8][]\" id=\"field_4vnnf-0\" value=\"Acepto recibir comunicaciones comerciales de 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remplissez pas ce champ.\t\t\t<\/label>\n\t\t\t<input  id=\"field_xqwl0\" type=\"text\" class=\"frm_form_field form-field frm_verify\" name=\"item_meta[65]\" value=\"\"  \/>\n\t\t<\/div>\n\t\t<input name=\"frm_state\" type=\"hidden\" value=\"d5zVzB2P2W1TyifOqMq+6iD1qPBLLH\/P1D9v2lt05y8=\" \/><\/div>\n<\/fieldset>\n<\/div>\n\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What it really costs to buy a home in Marbella in 2026 (about 9\u201310% for resale, 12\u201313% for new builds), every step from NIE to notary, yearly ownership costs and the questions buyers ask most.<\/p>\n","protected":false},"author":4,"featured_media":1724,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-1807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Buying Property in Marbella (2026): Costs, Taxes and Step-by-Step Guide - Airus Homes<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.airushomes.com\/fr\/airus-homes-buying-guide-101\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buying Property in 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