Paying the right amount is legal and possible. We plan your purchase or sale to minimise transfer tax, municipal capital gains, stamp duty and income tax within Catalonia's regulations.
Every property transaction triggers several state, regional and municipal taxes. Knowing them in advance avoids unpleasant surprises and saves money.
Paid by the buyer of a second-hand home. In Catalonia, a general rate of 10%-11% with reductions for specific groups. We calculate and apply any allowances you are entitled to.
It taxes the increase in urban land value on sale. We check whether there has really been an increase and, if not, we avoid or reclaim its payment.
Applies to new-build homes, mortgages and deeds. In Catalonia the general rate is 1.5%. We review which part is yours and any exemptions.
We also handle VAT on new builds, the seller's income tax on the capital gain, and the property tax (IBI) and its apportionment between the parties.
The time to save taxes is before signing, not afterwards. We design the optimal structure for your purchase, inheritance or investment so that you pay the legal minimum.
I want to optimise my taxesRequest a tax study of your transaction in Barcelona and find out how much you can legally save.
The general transfer tax (ITP) rate in Catalonia is 10% up to €1,000,000 and 11% on the excess, with reduced rates in certain cases (large families, young buyers, lower-value primary residences). We calculate the exact amount for your transaction.
By law the seller pays it (the party transferring and obtaining the gain). If there has been no increase in land value, it may be possible not to pay it or to claim a refund; we analyse each case.
Stamp duty (AJD) applies to new-build homes (taxed under VAT) and to the creation of mortgages and certain deeds. In Catalonia the general AJD rate is 1.5%.
The capital gain is taxed in the savings base of personal income tax, on a progressive scale. There are important exemptions (reinvestment in a primary residence, those over 65) that we plan to reduce your tax bill.