Purchase & Renovation
New development ≈ 13% extra costs; resale ≈ 10% extra costs.
Improvements to the property that increase property's value.
Total Acquisition Cost
—
Financing (Optional)
Set to 0 for all-cash purchase
Monthly Payment
—
Holding Period
Community fees, insurance, utilities
Total Holding Costs
—
Sale & Exit
Includes VAT (21%)
Municipal capital gains tax based on the hold period and cadastral value
Taxation
Determines if 3% retention applies (non-residents only)
*Spanish residents: 19% on first €6,000, 21% on €6,000-€50,000, 23% on €50,000+
3% Retention Required
No
Seller is a resident
Exit Returns
Gross Profit—
Total Costs & Expenses—
Total Interest Paid—
Taxable Gain—
Capital Gains Tax—
3% Retention—
Net Profit After Tax—
Total Equity Invested—
Return on Investment (ROI)—
Annualized Return—
Cash-on-Cash Return—
Total Profit / Loss—