{"id":11080,"date":"2026-09-15T08:23:09","date_gmt":"2026-09-15T08:23:09","guid":{"rendered":"https:\/\/taylorwimpeyspain.com\/blog\/?p=11080"},"modified":"2026-09-15T08:29:14","modified_gmt":"2026-09-15T08:29:14","slug":"expert-insights-what-do-you-pay-and-when-when-buying-a-home-off-plan-in-spain","status":"publish","type":"post","link":"https:\/\/taylorwimpeyspain.com\/blog\/expert-insights-what-do-you-pay-and-when-when-buying-a-home-off-plan-in-spain\/","title":{"rendered":"Expert insights: What do you pay and when, when buying a home off plan in Spain?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">New houses for sale in Spain are often available off plan. You can buy before construction begins or during the build process. What\u2019s important when buying property in Spain in this way is not just how much you pay but when you pay it.&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/taylorwimpeyspain.com\/blog\/wp-content\/uploads\/2026\/09\/Screenshot-2026-09-15-at-16-15-51-2-Instagram.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"604\" src=\"https:\/\/taylorwimpeyspain.com\/blog\/wp-content\/uploads\/2026\/09\/Screenshot-2026-09-15-at-16-15-51-2-Instagram-1024x604.png\" alt=\"\" class=\"wp-image-11081\" srcset=\"https:\/\/taylorwimpeyspain.com\/blog\/wp-content\/uploads\/2026\/09\/Screenshot-2026-09-15-at-16-15-51-2-Instagram-1024x604.png 1024w, https:\/\/taylorwimpeyspain.com\/blog\/wp-content\/uploads\/2026\/09\/Screenshot-2026-09-15-at-16-15-51-2-Instagram-300x177.png 300w, https:\/\/taylorwimpeyspain.com\/blog\/wp-content\/uploads\/2026\/09\/Screenshot-2026-09-15-at-16-15-51-2-Instagram-768x453.png 768w, https:\/\/taylorwimpeyspain.com\/blog\/wp-content\/uploads\/2026\/09\/Screenshot-2026-09-15-at-16-15-51-2-Instagram.png 1256w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With an off-plan property, payments are normally spread throughout the construction period, meaning you don\u2019t have to pay for the whole property upfront. So, whether, you\u2019ve got your eye on a <a href=\"https:\/\/taylorwimpeyspain.com\/property\/allure-elche-alicante\/\">spacious Alicante apartment<\/a> or a <a href=\"https:\/\/taylorwimpeyspain.com\/property\/almazara-views-townhouses-istan-malaga\/\">chic townhouse in Malaga<\/a>, you can spread your buying budget out over the build period.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Below, we\u2019ve rounded up what you can expect to pay and when, based on apartments for sale in Spain with Taylor Wimpey Espa\u00f1a. Note that the exact payment schedule, applicable taxes and guarantees will vary with different developers, so ensure these are always clearly explained before your sign the purchase contract.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Reservation deposit<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The reservation deposit is usually the first payment you make once you\u2019ve chosen your property. You typically pay a reservation fee to take the home off the market, as the first step in the buying process.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The amount you pay for the reservation deposit varies depending on the development and the cost of the properties there. With Taylor Wimpey Espa\u00f1a, the reservation deposit is usually \u20ac6,000 or \u20ac12,000, depending on the price of the property you\u2019re buying. This amount is deducted from the purchase price.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Private purchase contract<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The next step, following the reservation, is to sign a private purchase contract (<em>Contrato Privado de Compraventa<\/em>). At this point, you usually pay an initial deposit which is commonly a percentage of the purchase price. The exact amount and timing depend on the particular developer and property. When buying properties for sale in Spain with Taylor Wimpey Espa\u00f1a, this amount is 30% of the property price plus VAT.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Staged payments during construction<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When buying property in Spain off plan, you\u2019ll usually pay in agreed instalments as construction progresses. These payments tend to be linked to construction milestones.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The schedule for these staged payments should be clearly set out in your purchase contract, so you know what will be due at each stage of the construction process.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Taylor Wimpey Espa\u00f1a, after you pay your reservation fee and initial deposit (30%), the final balance of the property price (plus VAT) is due upon completion of construction. You pay this when signing the public deed of sale (<em>Escritura de Compraventa<\/em>) in front of a Spanish notary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bank guarantee&nbsp;or insurance policies&nbsp;for amounts paid<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are other fees you should be aware of when buying a home off plan. In Spain, amounts paid in advance for a property that\u2019s under construction are subject to legal protection, provided applicable requirements are met. Buyers should ensure that advance payments are made into the designated account and are covered by the relevant guarantee or insurance.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Taylor Wimpey Espa\u00f1a, all amounts paid are Bank&nbsp;or Insurance policy&nbsp;guaranteed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>VAT (IVA)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a new-build Spanish property purchased from a developer,&nbsp;10% VAT is generally payable on the purchase price&nbsp;(for a residential property). This is paid alongside the relevant instalments rather than as a single additional payment at the end.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Stamp Duty (AJD)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">New-build purchases in Spain are generally subject to&nbsp;<strong>Stamp Duty (AJD)<\/strong>. The applicable rate varies by autonomous region, so you\u2019ll need to check the rate that applies in the area where your chosen property is located.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Notary and Land Registry costs<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are various official costs to pay when you buy property in Spain. You\u2019ll need to budget for costs associated with the notarial deed and registration of the property in the Land Registry, which are separate from the purchase price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Legal representation<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although not mandatory,&nbsp;independent legal advice is strongly recommended. A lawyer can review the purchase contract, payment schedule, guarantees and documentation before you commit. They will ensure everything is in order so that your property purchase can proceed smoothly.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mortgage costs<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re financing your purchase with a mortgage, you\u2019ll need to budget for the costs associated with this.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Buying property in Spain \u2013 total costs<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a general rule, budget around 12-15% on top of the purchase price&nbsp;of your chosen property. This should be enough to cover taxes and other acquisition-related costs, although the exact amount will depend on the property, its location and how you\u2019re funding the purchase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For more information, please contact Taylor Wimpey Espa\u00f1a on 08000 121 020 or visit<\/strong> <a href=\"https:\/\/www.taylorwimpeyspain.com\/\"><strong>https:\/\/www.taylorwimpeyspain.com\/<\/strong><\/a><strong>. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>If you reside outside of the UK, you will need to call 00 34 971 706 972.<\/strong><\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>New houses for sale in Spain are often available off plan. You can buy before construction begins or during the build process. What\u2019s important when buying property in Spain in this way is not just how much you pay but when you pay it.&nbsp;&nbsp; With an off-plan property, payments are normally spread throughout the construction [&hellip;]<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":3,"featured_media":11081,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[7,8,13,4],"tags":[1386,797,1263,1376,1380,499,543,577],"class_list":["post-11080","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-costa-blanca","category-costa-del-sol","category-mallorca-spain","category-spain","tag-alicante","tag-buying-in-spain","tag-buying-property-in-spain","tag-costa-blanca","tag-malaga","tag-retiring-to-spain","tag-spain-property","tag-taylor-wimpey-espana"],"yoast_head":"<!-- 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