{"id":374,"date":"2026-08-03T10:00:00","date_gmt":"2026-08-03T10:00:00","guid":{"rendered":"https:\/\/santinahomes.com\/?p=374"},"modified":"2026-09-04T12:25:40","modified_gmt":"2026-09-04T12:25:40","slug":"new-build-costs-costa-del-sol-where-money-goes","status":"publish","type":"post","link":"https:\/\/santinahomes.com\/nl\/blog\/new-build-costs-costa-del-sol-where-money-goes\/","title":{"rendered":"Where Your Money Actually Goes When You Buy a New Build on the Costa del Sol"},"content":{"rendered":"<p>Een nieuwbouw aan de Costa del Sol kost meer dan de adviesprijs van de ontwikkelaar op twee manieren: er bovenop moet u nog 13 tot 14 procent voor belastingen en tarieven inplannen, 10 procent IVA, 1,2 procent stempelbelasting, plus notaris-, register- en juridische kosten; en verborgen erin absorberen belastingen en openbare lasten ongeveer een kwart van wat een nieuw huis kost om op de markt te brengen. Op een appartement van 800.000 euro zijn dat meer dan 100.000 euro aan kosten die nooit in de brochure verschijnen, en het begrijpen van beide lagen verklaart veel over hoe deze markt werkt, inclusief waarom nieuwe ontwikkelingen hier eruitzien zoals ze doen.<\/p>\n<h2>What you pay on top: budget around 13 to 14 percent<\/h2>\n<p>In Andaluc\u00eda, a new build carries two taxes the moment you buy it. IVA, Spain&#8217;s VAT, at 10 percent of the purchase price, and stamp duty, known as AJD, at 1.2 percent. That&#8217;s 11.2 percent before anyone else sends an invoice.<\/p>\n<p>Then come the professionals. Notary and land registry fees typically add a few thousand euros between them, and an independent lawyer, which we&#8217;d never suggest skipping, usually charges around 1 percent. If you&#8217;re financing the purchase, add a bank valuation. Put together, a sensible budget is 13 to 14 percent on top of the list price. On an 800,000 euro apartment, that&#8217;s over 100,000 euros that never shows up in the brochure.<\/p>\n<p>For comparison, a resale in Andaluc\u00eda pays a flat 7 percent transfer tax instead of IVA and AJD, so the on-top costs run meaningfully lower. That gap is one of several reasons the new-build premium is about more than fresh paint, and it&#8217;s worth weighing both routes; our <a href=\"https:\/\/santinahomes.com\/nl\/gidsen\/gebieden\/estepona\/cancelada\/\">Geannuleerd<\/a> en <a href=\"https:\/\/santinahomes.com\/nl\/gidsen\/gebieden\/estepona\/la-resina\/\">La Resina<\/a> guides cover areas where the two options sit side by side.<\/p>\n<h2>What&#8217;s inside the price: the part nobody itemises<\/h2>\n<p>The 10 percent IVA you pay at the notary is only the visible end of the tax chain. Long before a development launches, the developer has paid VAT on the land, municipal licence fees, planning charges, utility connection levies and a stack of smaller taxes at every stage of the process. Independent analysis in Spain puts taxes and public charges at roughly a quarter of the final price of a new home once the whole chain is counted.<\/p>\n<p>Add what isn&#8217;t tax. Buildable land on this coast is scarce and expensive, often the single biggest line in the budget. Construction costs have climbed steeply since 2020, in materials and even more so in skilled labour, which is genuinely hard to find. Financing costs money for the years between buying the plot and handing over keys. What&#8217;s left at the end, the developer&#8217;s actual margin, is considerably thinner than most buyers imagine.<\/p>\n<h2>Waarom dit bepaalt wat er wordt gebouwd<\/h2>\n<p>Reken die getallen als ontwikkelaar door en een harde waarheid komt naar voren: bescheiden, mid-priced projecten werken simpelweg niet. Het land is te duur en de vaste kosten te hoog voor dunne marges bij volume. Wat wel werkt zijn kleinere, hooggespecificeerde projecten gericht op kopers die design en locatie waarderen, wat verklaart waarom de kust <a href=\"https:\/\/santinahomes.com\/nl\/nieuwe-ontwikkelingen\/\">huidige batch van nieuwe ontwikkelingen<\/a> neigt naar boutique: beperkte collecties van appartementen en villa's in plaats van de uitgestrekte urbanisaties van twintig jaar geleden.<\/p>\n<p>Het is ook waarom goed gelegen nieuwbouw zijn waarde behoudt. Schaarste is hier geen marketingslogan, het is een structureel kenmerk van hoe deze projecten tot stand komen, iets wat we uitvoerig hebben behandeld in ons stuk over <a href=\"https:\/\/santinahomes.com\/nl\/blog\/spain-property-boom-not-a-bubble-supply-shortage\/\">waarom deze boom geen zeepbel is<\/a>.<\/p>\n<h2>Praktische aandachtspunten voor kopers<\/h2>\n<p>Een paar dingen die we elke nieuwbouwklant vertellen.<\/p>\n<p>Ten eerste: budget de volledige 13 tot 14 procent vanaf dag \u00e9\u00e9n, zodat de sluitingskosten nooit een onaangename verrassing bij de notaris worden. Ten tweede: gestaffelde betalingen tijdens de bouw moeten volgens de wet worden beveiligd met een bankgarantie of verzekeringspolisering; uw advocaat moet deze garanties verifi\u00ebren voordat geld wordt overgemaakt, en dit is geen formaliteit om zomaar door te wuiven. Ten derde: controleer vroeg de licentiestatus van de ontwikkelaar. Een project waarvan de bouwvergunning is verleend heeft een ander risicoprofiel dan een project dat nog in afwachting is. En ten vierde: onthoud dat bij een nieuwbouw de onderhandeling vaak niet over prijs gaat, die ontwikkelaars beschermen, maar over extra's: parkeerplaatsen, opslag, upgradepakketten, betalingsschema's.<\/p>\n<p>Niets hiervan zou je af moeten houden van nieuwbouwstock, van de beste onroerend goed aan deze kust momenteel, zoals <a href=\"https:\/\/santinahomes.com\/nl\/nieuwe-ontwikkelingen\/atalaya-emotion\/\">Atalaya Emotion<\/a>, komt voort uit exact dit systeem. Maar je koopt beter als je de volledige rekening kunt lezen, niet alleen het kopnummer. En als je iemand wilt die de getallen met je doorloopt voor een specifiek project, dat is een gesprek dat we elke week voeren.<\/p>\n<p>Bang dat het risico zwaarder weegt dan de besparing? <a href=\"https:\/\/santinahomes.com\/nl\/blog\/buying-off-plan-spain-safer-than-it-feels\/\">offplan-aankopen in Spanje zijn veiliger dan ze voelen<\/a>, mits de bovenstaande beschermingsmaatregelen van kracht zijn.<\/p>\n<h2>Vragen die mensen stellen<\/h2>\n<h3>Hoeveel extra belasting betaal ik op een nieuwbouw in Andaluc\u00eda?<\/h3>\n<p>Ongeveer 13 tot 14 procent bovenop de vraagprijs: 10 procent BTW, 1,2 procent stempel- en registratierecht, plus notaris-, register- en juridische kosten.<\/p>\n<h3>Waarom zijn nieuwbouwen duurder in belasting dan bestaande woningen?<\/h3>\n<p>Nieuwbouwen betalen BTW en stempel- en registratierecht in plaats van de vaste 7 procent overdrachtsbelasting die van toepassing is op bestaande woningen, wat de extra kosten aanzienlijk hoger maakt.<\/p>\n<h3>Hoeveel van de prijs van een nieuw huis is eigenlijk belasting?<\/h3>\n<p>Onafhankelijke analyse stelt dat belastingen en openbare lasten ongeveer een kwart van de uiteindelijke prijs van een nieuw huis bedragen, wanneer elke fase van de kosten van de ontwikkelaar, van grondbelasting tot vergunningskosten, wordt meegerekend.<\/p>\n<h3>Waarom zien veel nieuwe ontwikkelingen aan de Costa del Sol er qua ontwerp vergelijkbaar uit?<\/h3>\n<p>Dunne winstmarges van ontwikkelaars, veroorzaakt door dure grond en zware belastingen en openbare lasten, drijven veel projecten naar maximaal toegestane dichtheid en een herhaalde ontwerpsjabloon in plaats van een op maat gemaakte benadering.<\/p>\n<h3>Zijn betalingstermijnen op een nieuwbouw wettelijk beschermd?<\/h3>\n<p>Ja. Ze moeten wettelijk worden verzekerd met een bankgarantie of verzekeringspolis, en een advocaat moet verifi\u00ebren dat deze garanties bestaan voordat geld wordt overgemaakt.<\/p>\n<h3>Kan ik de prijs op een nieuwbouwpand onderhandelen?<\/h3>\n<p>Ontwikkelaars beschermen over het algemeen de vraagprijs, dus de onderhandeling gaat vaker over extra's: parkeerplaatsen, opslag, upgradepakketten en betalingsschema's.<\/p>","protected":false},"excerpt":{"rendered":"<p>A new build on the Costa del Sol costs more than the developer&#8217;s list price in two ways: on top of it, budget another 13 to 14 percent for taxes and fees, 10 percent IVA, 1.2 percent stamp duty, plus notary, registry and legal costs; and hidden inside it, taxes and public charges already absorb [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":382,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22,19],"tags":[],"class_list":["post-374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-new-developments","category-tax-legal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New Build Costs Costa del Sol: Where the Money Goes<\/title>\n<meta name=\"description\" content=\"Where your money actually goes when you buy a new build on the Costa del Sol, beyond the developer&#039;s list price.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/santinahomes.com\/nl\/blog\/new-build-costs-costa-del-sol-where-money-goes\/\" \/>\n<meta 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Mickey het gebied door en door. Na enkele jaren in de startupwereld te hebben doorgebracht, keerde hij naar Estepona terug met een frisse blik en gezonde obsessie met het beter laten werken van dingen. Hij neemt een praktische benadering van vastgoed: begrijpen wat waarde aandrijft, waar de risico's liggen en hoe de cijfers zich verhouden voordat hij iets aanbeveelt.","url":"https:\/\/santinahomes.com\/nl\/blog\/author\/mickey\/"}]}},"_links":{"self":[{"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/posts\/374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/comments?post=374"}],"version-history":[{"count":2,"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/posts\/374\/revisions"}],"predecessor-version":[{"id":529,"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/posts\/374\/revisions\/529"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/media\/382"}],"wp:attachment":[{"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/media?parent=374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/categories?post=374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/santinahomes.com\/nl\/wp-json\/wp\/v2\/tags?post=374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}