{"id":406,"date":"2026-06-19T18:26:07","date_gmt":"2026-06-19T16:26:07","guid":{"rendered":"https:\/\/homes-marbella.com\/?page_id=406"},"modified":"2026-07-07T23:42:32","modified_gmt":"2026-07-07T21:42:32","slug":"marbella-property-cost-calculator","status":"publish","type":"page","link":"https:\/\/homes-marbella.com\/sv\/marbella-property-cost-calculator\/","title":{"rendered":"Marbella Property Purchase Cost Calculator"},"content":{"rendered":"\n<div id=\"marbella-calculator\">\n  <style>\n    #marbella-calculator {\n      font-family: Arial, sans-serif;\n      max-width: 980px;\n      margin: 30px auto;\n      padding: 28px;\n      border-radius: 26px;\n      background: linear-gradient(135deg, #001f3f, #062f5f);\n      color: #ffffff;\n      border: 2px solid #c89b3c;\n      box-shadow: 0 18px 45px rgba(0,0,0,0.25);\n    }\n\n    #marbella-calculator h2 {\n      margin: 0 0 8px;\n      font-size: 30px;\n      color: #d6aa45;\n      letter-spacing: 1px;\n    }\n\n    #marbella-calculator .subtitle {\n      margin-bottom: 24px;\n      color: #e6edf5;\n      font-size: 15px;\n      line-height: 1.5;\n    }\n\n    .mc-section {\n      background: rgba(255,255,255,0.07);\n      border: 1px solid rgba(214,170,69,0.35);\n      border-radius: 18px;\n      padding: 20px;\n      margin-bottom: 20px;\n    }\n\n    .mc-section h3 {\n      margin: 0 0 16px;\n      color: #d6aa45;\n      font-size: 18px;\n    }\n\n    .mc-grid {\n      display: grid;\n      grid-template-columns: repeat(2, 1fr);\n      gap: 14px;\n    }\n\n    .mc-field label {\n      display: block;\n      font-size: 13px;\n      font-weight: 700;\n      margin-bottom: 6px;\n      color: #ffffff;\n    }\n\n    .mc-field input,\n    .mc-field select {\n      width: 100%;\n      box-sizing: border-box;\n      padding: 12px;\n      border-radius: 10px;\n      border: 1px solid rgba(214,170,69,0.55);\n      background: #ffffff;\n      color: #102030;\n      font-size: 15px;\n    }\n\n    .mc-result-grid {\n      display: grid;\n      grid-template-columns: repeat(3, 1fr);\n      gap: 14px;\n    }\n\n    .mc-card {\n      background: #ffffff;\n      color: #102030;\n      border-radius: 16px;\n      padding: 16px;\n      border-left: 5px solid #d6aa45;\n    }\n\n    .mc-card span {\n      display: block;\n      font-size: 13px;\n      color: #52616f;\n      margin-bottom: 8px;\n    }\n\n    .mc-card strong {\n      font-size: 20px;\n      color: #062f5f;\n    }\n\n    .mc-total-card {\n      background: linear-gradient(135deg, #d6aa45, #f3d47a);\n      color: #001f3f;\n      border-left: none;\n    }\n\n    .mc-total-card span,\n    .mc-total-card strong {\n      color: #001f3f;\n    }\n\n    .mc-note {\n      font-size: 12px;\n      line-height: 1.6;\n      color: #dbe6f0;\n      margin-top: 18px;\n    }\n\n    .mc-note a {\n      color: #d6aa45;\n      font-weight: 700;\n      text-decoration: none;\n    }\n\n    .hidden {\n      display: none;\n    }\n\n    @media(max-width: 800px) {\n      .mc-grid,\n      .mc-result-grid {\n        grid-template-columns: 1fr;\n      }\n\n      #marbella-calculator {\n        padding: 20px;\n      }\n    }\n  <\/style>\n\n  <h2>Marbella Property Purchase Calculator<\/h2>\n  <p class=\"subtitle\">\n    Estimate upfront buying costs, mortgage requirements and yearly ownership costs before purchasing a property in Marbella.\n  <\/p>\n\n  <div class=\"mc-section\">\n    <h3>1. Property Details<\/h3>\n    <div class=\"mc-grid\">\n      <div class=\"mc-field\">\n        <label>Property Purchase Price (\u20ac)<\/label>\n        <input type=\"number\" id=\"price\" value=\"1000000\">\n      <\/div>\n\n      <div class=\"mc-field\">\n        <label>Property Type<\/label>\n        <select id=\"propertyType\">\n          <option value=\"resale\">Resale Property &#8211; ITP 7%<\/option>\n          <option value=\"new\">New Build &#8211; IVA 10% + AJD 1.2%<\/option>\n        <\/select>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"mc-section\">\n    <h3>2. Mortgage Details<\/h3>\n    <div class=\"mc-grid\">\n      <div class=\"mc-field\">\n        <label>Mortgage Needed?<\/label>\n        <select id=\"mortgage\">\n          <option value=\"yes\">Yes<\/option>\n          <option value=\"no\">No<\/option>\n        <\/select>\n      <\/div>\n\n      <div class=\"mc-field mortgage-field\">\n        <label>Own Funds (%) &#8211; Minimum 40%<\/label>\n        <input type=\"number\" id=\"ownFunds\" value=\"40\" min=\"40\" max=\"100\">\n      <\/div>\n\n      <div class=\"mc-field mortgage-field\">\n        <label>Annual Interest Rate (%)<\/label>\n        <input type=\"number\" id=\"interest\" value=\"4.5\" step=\"0.1\">\n      <\/div>\n\n      <div class=\"mc-field mortgage-field\">\n        <label>Mortgage Term (Years)<\/label>\n        <input type=\"number\" id=\"years\" value=\"25\">\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"mc-section\">\n    <h3>3. Annual Ownership Costs<\/h3>\n    <div class=\"mc-grid\">\n      <div class=\"mc-field\">\n        <label>Estimated IBI per Year (%)<\/label>\n        <input type=\"number\" id=\"ibiRate\" value=\"0.45\" step=\"0.05\">\n      <\/div>\n\n      <div class=\"mc-field\">\n        <label>Community Fees per Month (\u20ac)<\/label>\n        <input type=\"number\" id=\"community\" value=\"350\">\n      <\/div>\n\n      <div class=\"mc-field\">\n        <label>Wealth Tax Estimate<\/label>\n        <select id=\"wealthTaxToggle\">\n          <option value=\"no\">No &#8211; Not Estimated<\/option>\n          <option value=\"yes\">Yes &#8211; Bracket Estimate<\/option>\n        <\/select>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"mc-section\">\n    <h3>Upfront Purchase Costs<\/h3>\n    <div class=\"mc-result-grid\">\n      <div class=\"mc-card\"><span>Purchase Tax<\/span><strong id=\"purchaseTax\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card\"><span>Legal Services 1%<\/span><strong id=\"legal\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card\"><span>Notary Estimate<\/span><strong>\u20ac1,000<\/strong><\/div>\n      <div class=\"mc-card mortgage-result\"><span>Mortgage Valuation<\/span><strong id=\"valuation\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card mc-total-card\"><span>Total Closing Costs<\/span><strong id=\"closingCosts\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card mc-total-card\"><span>Total Cash Needed Upfront<\/span><strong id=\"ownFundsResult\">\u20ac0<\/strong><\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"mc-section mortgage-output\">\n    <h3>Mortgage Estimate<\/h3>\n    <div class=\"mc-result-grid\">\n      <div class=\"mc-card\"><span>Estimated Loan Amount<\/span><strong id=\"loanAmount\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card\"><span>Own Funds Deposit<\/span><strong id=\"depositOnly\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card mc-total-card\"><span>Monthly Mortgage Payment<\/span><strong id=\"monthlyMortgage\">\u20ac0<\/strong><\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"mc-section\">\n    <h3>Estimated Ongoing Costs<\/h3>\n    <div class=\"mc-result-grid\">\n      <div class=\"mc-card\"><span>IBI per Year<\/span><strong id=\"ibi\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card\"><span>Community Fees per Year<\/span><strong id=\"communityYear\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card\"><span>Wealth Tax per Year<\/span><strong id=\"wealthTax\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card mc-total-card\"><span>Total Yearly Costs Without Mortgage<\/span><strong id=\"ongoingNoMortgage\">\u20ac0<\/strong><\/div>\n      <div class=\"mc-card mc-total-card mortgage-result\"><span>Total Yearly Costs With Mortgage<\/span><strong id=\"ongoing\">\u20ac0<\/strong><\/div>\n    <\/div>\n  <\/div>\n\n  <p class=\"mc-note\">\n    Disclaimer: This calculator is for educational purposes only and is not financial, tax, mortgage or legal advice.\n    Costs may vary depending on the buyer profile, property type, mortgage conditions, municipality, legal situation and tax residency.\n    Always confirm with a qualified lawyer, tax adviser and mortgage broker before purchasing.\n    Visit <a href=\"https:\/\/homes-marbella.com\/\" target=\"_blank\">Homes Marbella<\/a>.\n  <\/p>\n\n  <script>\n    function euro(n) {\n      return new Intl.NumberFormat('en-IE', {\n        style: 'currency',\n        currency: 'EUR',\n        maximumFractionDigits: 0\n      }).format(isFinite(n) ? n : 0);\n    }\n\n    function calculateWealthTax(netValue) {\n      const allowance = 700000;\n      let taxable = Math.max(0, netValue - allowance);\n\n      const brackets = [\n        [167129, 0.002],\n        [167123, 0.003],\n        [334247, 0.005],\n        [668500, 0.009],\n        [1337000, 0.013],\n        [2674000, 0.017],\n        [5348000, 0.021],\n        [Infinity, 0.035]\n      ];\n\n      let tax = 0;\n\n      for (let i = 0; i < brackets.length; i++) {\n        let amount = Math.min(taxable, brackets[i][0]);\n        if (amount <= 0) break;\n        tax += amount * brackets[i][1];\n        taxable -= amount;\n      }\n\n      return tax;\n    }\n\n    function toggleMortgageFields() {\n      const mortgage = document.getElementById('mortgage').value;\n      const showMortgage = mortgage === 'yes';\n\n      document.querySelectorAll('.mortgage-field, .mortgage-output, .mortgage-result').forEach(el => {\n        el.classList.toggle('hidden', !showMortgage);\n      });\n    }\n\n    function calculate() {\n      const price = Number(document.getElementById('price').value) || 0;\n      const type = document.getElementById('propertyType').value;\n      const mortgage = document.getElementById('mortgage').value;\n\n      let ownPercent = Number(document.getElementById('ownFunds').value) || 40;\n\n      if (ownPercent < 40) {\n        ownPercent = 40;\n        document.getElementById('ownFunds').value = 40;\n      }\n\n      if (ownPercent > 100) {\n        ownPercent = 100;\n        document.getElementById('ownFunds').value = 100;\n      }\n\n      const monthlyRate = (Number(document.getElementById('interest').value) || 0) \/ 100 \/ 12;\n      const years = Number(document.getElementById('years').value) || 25;\n      const months = years * 12;\n\n      const purchaseTax = type === 'resale' ? price * 0.07 : price * 0.112;\n      const legal = price * 0.01;\n      const notary = 1000;\n      const valuation = mortgage === 'yes' ? 1000 : 0;\n\n      const closingCosts = purchaseTax + legal + notary + valuation;\n\n      const deposit = mortgage === 'yes' ? price * (ownPercent \/ 100) : price;\n      const maxLoan = price * 0.60;\n      const requestedLoan = price - deposit;\n      const loan = mortgage === 'yes' ? Math.max(0, Math.min(maxLoan, requestedLoan)) : 0;\n\n      let monthlyMortgage = 0;\n\n      if (mortgage === 'yes' && loan > 0 && monthlyRate > 0) {\n        monthlyMortgage = loan * monthlyRate * Math.pow(1 + monthlyRate, months) \/ \n        (Math.pow(1 + monthlyRate, months) - 1);\n      } else if (mortgage === 'yes' && loan > 0 && monthlyRate === 0) {\n        monthlyMortgage = loan \/ months;\n      }\n\n      const ibi = price * ((Number(document.getElementById('ibiRate').value) || 0) \/ 100);\n      const communityYear = (Number(document.getElementById('community').value) || 0) * 12;\n\n      const wealthTax = document.getElementById('wealthTaxToggle').value === 'yes'\n        ? calculateWealthTax(price - loan)\n        : 0;\n\n      const ongoingNoMortgage = ibi + communityYear + wealthTax;\n      const ongoingWithMortgage = ongoingNoMortgage + monthlyMortgage * 12;\n\n      document.getElementById('purchaseTax').innerText = euro(purchaseTax);\n      document.getElementById('legal').innerText = euro(legal);\n      document.getElementById('valuation').innerText = euro(valuation);\n      document.getElementById('closingCosts').innerText = euro(closingCosts);\n      document.getElementById('ownFundsResult').innerText = euro(deposit + closingCosts);\n      document.getElementById('loanAmount').innerText = euro(loan);\n      document.getElementById('depositOnly').innerText = euro(deposit);\n      document.getElementById('monthlyMortgage').innerText = euro(monthlyMortgage);\n      document.getElementById('ibi').innerText = euro(ibi);\n      document.getElementById('communityYear').innerText = euro(communityYear);\n      document.getElementById('wealthTax').innerText = euro(wealthTax);\n      document.getElementById('ongoingNoMortgage').innerText = euro(ongoingNoMortgage);\n      document.getElementById('ongoing').innerText = euro(ongoingWithMortgage);\n\n      toggleMortgageFields();\n    }\n\n    document.querySelectorAll('#marbella-calculator input, #marbella-calculator select')\n      .forEach(el => el.addEventListener('input', calculate));\n\n    calculate();\n  <\/script>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Marbella Property Purchase Calculator Estimate upfront buying costs, mortgage requirements and yearly ownership costs before purchasing a property in Marbella. 1. Property Details Property Purchase Price (\u20ac) Property Type Resale Property &#8211; ITP 7%New Build &#8211; IVA 10% + AJD 1.2% 2. Mortgage Details Mortgage Needed? YesNo Own Funds (%) &#8211; Minimum 40% Annual Interest [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-406","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Marbella Property Cost Calculator | Costs &amp; Mortgage Estimate<\/title>\n<meta name=\"description\" content=\"Estimate Marbella property buying costs, taxes, mortgage payments, fees, IBI, community fees and wealth tax before investing or purchasing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/homes-marbella.com\/sv\/marbella-property-cost-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta 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