Purchase · step by step
Purchase · Catalonia · General case
Indicative estimate using general rules checked on 14/10/2026. Special cases require professional review. It does not replace a tax assessment or a bank offer.
Let’s start with the essentials
Use the agreed price or, if you are still looking, your approximate budget.
Refine the estimate
Leave it blank if unknown. The result will be marked provisional because the tax authority may apply a higher tax base.
These amounts remain fixed as specified by Gallery. The valuation cost is added only when there is a mortgage.
Your estimate
Unrestricted housing in Catalonia with 100% full ownership. Tax relief and special cases require review.
Let’s start with the transaction
To calculate, complete the five fields marked *. If you are missing any details, you can ask for help.
The price stated in the deed when you bought the property.
Refine the tax estimate
Find these two figures on your IBI property tax bill
The land value cannot exceed the total cadastral value. The estimate uses Barcelona’s municipal rules.
Include taxes and costs paid when buying, and only documented improvements. Do not include maintenance, interest or duplicated amounts.
Do not include maintenance or interest.
Enter costs you have paid, without counting municipal capital gains tax twice.
Leave 0 if you have no other savings income.
Your estimate
General case of an individual resident in Spain with 100% ownership. This does not replace a tax review of the transaction.
Loan details
Use full years or fractions equivalent to whole months.
Upfront costs
Leave 0 if there is none. This cost is not added to the monthly payment.
The estimate uses a fixed-rate repayment mortgage. It excludes insurance and other linked products.
Your simulation
It does not calculate the APR or replace a personalised bank offer.
You can ask for help with the details you have. Empty fields will remain pending.
You can also contact us directly: 616 793 910 · info@galleryproperties.es.
General rules checked on 14/10/2026, subject to change and professional review for each transaction.