Simulator
Property investment simulator – Madrid
Total project cost, financing, cashflow and yield: fully transparent.
Renovation, fit-out and furniture budget.
Financing
Banks typically lend up to 70% of the purchase price. It can be 80% or even 90% if you are a tax resident in Spain.
Current rates range from 2.00% to 4.00% for most applications.
Typical loan duration for a second home purchase.
Adjust the monthly rental income based on the project under consideration.
Total project cost Net
330 985 €
Property price + taxes & fees + support fees + renovation: your total outlay.
Gross price Gross
The price shown on the listing.
300 000 €
Fees and taxes at completion
- ITP (Property transfer tax) (6 %)18 000 €
- Notary (estimate) (~0,5 %)1 500 €
- Land registry (~0,4 %)1 200 €
Purchase support fees (excl. VAT)
Progressive tiers on final purchase price. Minimum €3,500 excl. VAT.
2,8 %
8 500 € HT
- Slice 0 € – 250 000 € (3 %)7 500 €
- Slice 250 000 € – 500 000 € (2 %)1 000 €
- IVA (21 %)1 785 €
- TTC10 285 €
Financing
Mortgage in Spain
Calculation: property price × financing %.
Personal contribution
Difference between total project cost and mortgage amount.
Monthly mortgage payment
Monthly payment based on interest rate and loan duration.
Cashflow & Yield
Monthly cashflow
Calculation: monthly rent – monthly mortgage payment.
Gross yield on purchase price
4,8 %
Annual rental income divided by property purchase price.
Gross yield on total cost
4,4 %
Annual rental income divided by total project cost.
Check your borrowing capacity
Salary, contribution, resident vs non-resident comparison.
Talk to a property expert for free
15 min, no commitment
Share this simulation
Indicative estimate. Actual amounts depend on notary and cadastral value. Madrid data, for information only.
How to read this estimate
The calculator starts with the property price and separates resale or new-build taxes, acquisition fees, support fees and renovation.
- 1For a resale property, the estimate applies 6% Madrid ITP. For a new build, it applies 10% VAT and the ordinary AJD rate for an individual buyer: 0.4% up to €120,000, 0.5% up to €180,000, then 0.75% above that amount. The statutory transition reduction near each threshold is applied. Protected housing and personal statutory bonuses are not modelled.
- 2Notary and land-registry costs are estimated at 0.5% and 0.4% of the price. Support fees follow the current tiered scale, including VAT.
- 3The monthly payment uses a fixed-rate amortizing loan. Cashflow excludes insurance, bank fees, recurring costs and rental taxation.