Real estate agent in Girona and the Costa Brava

It is the method I use to value homes in Girona and the Costa Brava. It always combines four things: the published asking price (what comparable homes are listed for), what homes have actually sold for (the real prices of sales signed before a notary, from the Notaries' Statistical Portal, Portal Estadístico del Notariado), a detailed analysis of your home and our network of experts. The result: the most complete valuation of your home, with a value range and a pricing strategy to sell at the best price, efficiently and professionally. No guesswork.

On top of the price, in Catalonia you pay the transfer tax (ITP, Impuesto de Transmisiones Patrimoniales): 10% up to €600,000, 11% from €600,000 to €900,000, 12% from €900,000 to €1,500,000 and 13% above, applied in bands. Notary, land registry and gestoría fees come on top. You can work it out with the buying costs calculator on this site.

When you buy from a developer you pay VAT (10% as a general rule for housing) and AJD stamp duty (Impuesto de Actos Jurídicos Documentados), which in Catalonia is 1.5%. You do not pay ITP.

Usually: title deed (escritura), land registry extract (nota simple), energy performance certificate, habitability certificate (cédula de habitabilidad), latest IBI bill and a certificate from the homeowners' association that you are up to date with payments. Your adviser will confirm which ones apply to your case.

Each bank decides. As a common reference, your total debt payments should not exceed around 35% of your net income, and financing usually goes up to 80% of the value for a main home. The “How much can I afford?” calculator gives you an indicative figure.

Go to the “What is your home worth?” page and answer the step-by-step form (about 5 minutes); you can add up to 10 photos. At the end you choose how to continue: book your video call in the calendar or send me a WhatsApp message with your reference.