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
Start with the sale price. Add the acquisition price to see an initial estimate of the gain and income tax.
Use the price in the purchase deed. If you don’t know it, leave it blank.
Refine the tax estimate
These details refine the municipal capital gains tax estimate. You can continue without them.
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
You can view the available estimate without the IBI bill. Municipal tax and the final net amount remain pending. Add the figures when you have the bill to complete the estimate.
Optional costs left blank are assumed to be zero in this provisional summary and must be confirmed.
If the property was inherited, previously rented out or subject to special tax rules, request a review.
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.
Receive the available details and calculations by email, even without the IBI bill, and ask Gallery to review your transaction.
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.