Buying a New-Build in Murcia: Your All-In Budget Made Simple (2026)

On a new-build in Murcia, budget roughly 12-13% on top of the price. Most of that is 10% IVA (VAT) and 1.5% AJD (stamp duty), with notary, land-registry and legal fees making up the rest. On a €335,000 villa that's about €43,500, and we map out every line for you before you reserve.

Buying a new home in Spain is more straightforward than most people expect. The costs are set by law, they're the same whichever developer you buy from, and they're paid in one go at completion. Once you know the handful of items involved, you can budget with confidence. Here's how it works.

Which taxes do you pay on a new-build in Murcia?

When you buy a brand-new home from a developer, you pay two taxes:

• IVA, the Spanish version of VAT, at 10% of the purchase price.
• AJD (Actos Jurídicos Documentados), a stamp duty on the signed deed, at 1.5% in the Region of Murcia.

Together that's 11.5%, and it's the bulk of your extra budget.

How is that different from buying a resale?

A resale home carries a single tax instead: ITP (Impuesto sobre Transmisiones Patrimoniales), a transfer tax. In the Region of Murcia, ITP dropped to 7.75% from 25 July 2025.

That applies only to second-hand homes. The homes we sell at Omala Residences, Alhama Nature, Corvera Hills and Santa Rosalia are new-builds, so IVA and AJD are what you'll budget for. In return, you get a brand-new home built to current standards, with the developer's building guarantees behind it.

What's the Murcia AJD rate in 2026?

It's 1.5%. In the same July 2025 budget, Murcia cut AJD from 2% to 1.5% on new-build purchases that carry VAT. That's good news for buyers and one of the reasons Murcia compares so well with other regions.

AJD is charged on the purchase price, separately from IVA. Regional rates can change, so your lawyer will confirm the figure that applies on your completion date.

What do the notary, registry and legal fees cover?

These are the smaller costs that make your ownership official and secure.

• The notary (notario) is a public official who witnesses and formalises the deed of sale.
• The land registry (Registro de la Propiedad) records you as the legal owner.
• Your lawyer (abogado) carries out the checks: that the property is free of debt, the developer holds the right licences, your deposits are protected and the paperwork is in order.

We introduce you to independent, English-speaking lawyers who work for you, not the developer, and you are always free to choose your own. Legal fees vary by firm but are often around 1% of the price. Notary and registry fees follow official scales and, on a home at this price, usually come to somewhere between several hundred euros and around a thousand each.

Together, notary, registry and legal fees typically add around 1-1.5%.

What's the all-in budget on a €335,000 villa?

Here's how it adds up on a home priced at €335,000, paying cash. Figures are rounded estimates.

So your all-in budget is about €378,500. Taxes (IVA plus AJD) make up €38,525 of the extra; the professional fees are the small part.

What changes if you take out a Spanish mortgage?

If you're borrowing, add two items:

• Valuation (tasación): the bank will require one, typically €300-€600.
• Arrangement fee (comisión de apertura): up to around 1% of the loan, though some lenders waive it.

Following reforms in 2018 and 2019, the bank pays the AJD on the mortgage deed itself, along with its own notary and registry costs for the loan. In practice, allow roughly €1,000-€2,000 of mortgage-related costs and confirm the exact figures in your offer.

How do we help you plan your budget?

We go through this with every buyer, so there's nothing to work out on your own:

• An itemised cost breakdown. Before you reserve any home, we give you a line-by-line breakdown of the price, the IVA and every tax and fee, so you know exactly what the all-in figure is.
• Rates for your completion date. Your lawyer confirms the IVA and AJD that apply when you sign.
• Currency. If you're paying in pounds, a currency specialist can fix your exchange rate in advance, so your sterling budget stays put. We can introduce you to independent specialists.
• Every step to handover. We guide you from reservation through to completion and collecting your keys.

It's also sensible to set aside a little for utility connections, furniture and your first community fees.

When do you pay?

Your reservation fee and stage payments go to the developer during the build, and your lawyer confirms these deposits are protected as required under Spanish law. The taxes and fees fall due at completion, when you sign the deed at the notary. Your lawyer normally holds the funds and settles the taxes on your behalf, so on the day itself you simply sign and collect your keys.

FAQ

How much should I budget on top of the price for a new-build in Murcia?

Roughly 12-13% for a cash purchase. That covers 10% IVA, 1.5% AJD, and notary, registry and legal fees.

Is the 10% IVA negotiable?

No. IVA is a national tax at a fixed rate, so it's the same whichever developer or region you buy in.

Do I pay ITP on a new-build in Murcia?

No. ITP only applies to resale homes. New-builds carry IVA plus AJD instead.

How much extra is a Spanish mortgage?

Allow roughly €1,000-€2,000 for the valuation and any arrangement fee. The bank pays the AJD on the mortgage deed itself.

When are the taxes and fees paid?

At completion, when you sign the deed at the notary. Your lawyer usually holds the funds and settles everything on your behalf.

If you'd like to see the resorts for yourself, I'd love to show you round, and I'll happily map out the full all-in cost for any home you like. Message me on WhatsApp on +44 7424 864 684 or send an enquiry and I'll get straight back to you.

This article is general information, not legal or financial advice. Confirm your own position with a qualified Spanish lawyer or tax adviser before you act.

About the author — Lee Doherty is the founder of MedSol Real Estate. He spent two years researching the region before buying here himself, and now helps UK and international buyers find golf-resort homes across the Region of Murcia.