10 articles
finance
Every article we have published on finance — market data, buying advice and on-the-ground perspective.
Buying guides · 9 min read
NIE Number Guide 2026: How to Get a Spanish NIE as a Foreign Buyer
Everything international buyers need to know about the Spanish NIE number in 2026, how to apply, how long it takes, and when you actually need it.
Marco Elsinger · 12 February 2026
Finance · 10 min read
Spanish Non-Resident Mortgage Guide 2026: Rates, LTV & Lender Shortlist
Spanish mortgages for non-resident buyers explained — LTV limits, which banks actually lend, typical rates, and the paperwork you will be asked for.
Maya Kallio · 19 March 2026
Finance · 10 min read
Spanish Property Tax for Non-Residents: Complete 2026 Breakdown
The complete non-resident tax picture for Spanish property owners: IBI, deemed rental income, wealth tax, capital gains, and the annual filings you cannot afford to miss.
Marco Elsinger · 29 April 2026
Finance · 9 min read
Closing Costs When Buying Property in Spain: Every Fee Explained
Every cost beyond the purchase price: ITP, IVA, notary, registro, lawyer, gestoría, and a line-by-line comparison of €1.5M resale vs new-build total costs.
Maya Kallio · 30 April 2026
Finance · 8 min read
Currency Exchange for Buying Property in Spain: Timing, Tools & Traps
Your bank’s exchange rate markup can cost you €5,000 to €30,000 on a Spanish property purchase. Specialist FX brokers, forward contracts, and proper timing cut that loss dramatically. Here is how the currency side of buying in Spain actually works.
Marco Elsinger · 11 June 2026
Finance · 9 min read
Wealth Tax in Spain: What Property Owners Actually Pay in 2026
Spain’s wealth tax applies to net assets above €700,000, with rates from 0.2% to 3.5% in Andalucía. For property owners, the key question is how your real estate is valued and what deductions you can claim. This guide covers the 2026 rules, the Solidarity Tax for large fortunes, and practical ways to reduce your bill legally.
Marco Elsinger · 17 June 2026
Finance · 10 min read
Spanish Inheritance Tax for Non-Residents: Rates, Exemptions & Planning
Spanish inheritance tax is paid by the person receiving the asset, not the estate. For non-residents inheriting Costa del Sol property, the rules changed significantly after the 2014 EU ruling. This guide covers Andalucía rates, the 99% reduction for close relatives, double taxation treaties, and why a separate Spanish will is essential.
Maya Kallio · 18 June 2026
Finance · 9 min read
Tax on Rental Income in Spain: What Non-Resident Landlords Owe
Non-resident landlords in Spain face two separate tax obligations: tax on actual rental income when the property is let, and imputed income tax when it sits empty. EU residents pay 19% on net income with expense deductions. Non-EU residents pay 24% on gross income with no deductions. This guide covers both, with worked examples.
Marco Elsinger · 19 June 2026
Finance · 8 min read
Plusvalía Tax When Selling Property in Spain: How It Works in 2026
The plusvalía is a municipal tax on the increase in land value since you acquired the property. The 2021 Constitutional Court ruling overhauled the calculation method, and sellers can now choose whichever of two formulas gives the lower amount. Here is how it works in 2026, with practical examples.
Maya Kallio · 20 June 2026
Finance · 10 min read
Buying Spanish Property Through an SL Company: Pros, Cons & Tax
An SL (Sociedad Limitada) can offer inheritance advantages and portfolio efficiency for certain property owners. But for most single-property buyers, the compliance costs and tax complexity outweigh the benefits. This guide compares corporate vs personal ownership across tax, inheritance, wealth tax, and running costs.
Marco Elsinger · 23 June 2026
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