What it costs to own — Top Ten Marbella

These are estimates, not a quote. The defaults are what we actually see on this coast — your building, your town hall and your bank will differ. Put your own figures in. Sources below · want your real ones? Ask us.

TOP TEN MARBELLA

What this home costs to keep

Buying from Sweden? Switch to kronor.

Monthly cost to own

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Take it to your bank, your lawyer, or the kitchen table.

The loan is the part you control. Everything above it is set by your building, your town hall and your usage. The mortgage is the one line you can shop around — and a percentage point either way moves this figure more than every bill combined.

Your loan

Repaymentcapital + interest is the Spanish norm

Term (years)only used for capital + interest

Running costs, every month

Community fee (€/mo)pool, gardens, lifts — ask for the exact figure before you offer

Electricity (€/mo)air conditioning is most of it

Insurance (€/mo)building and contents

Security (€/mo)gated urbanisations often include this in the community fee

Water (€/mo)sometimes inside the community fee

Internet (€/mo)

Other (€/mo)cleaning, gardener, pool service

The annual bills (we spread them over twelve months)

IBI (€/year)council property tax — set by your town hall, ask them for the figure on this address

Basura (€/year)rubbish collection — a separate town hall bill

Modelo 210 (€/year)non-resident imputed income tax — owed even if you never let it out

Other yearly (€/year)lawyer's fiscal representation, community levies

Exchange rate

Euro to kronalive rate from the European Central Bank

Fetching…

These are estimates, not a quote. Prepared by Top Ten Marbella from the figures entered. Your building, your town hall and your bank will confirm the real ones.

Top Ten Marbella · Carr. de Mijas 22, 29640 Fuengirola · +34 952 181 433 · info@toptenmarbella.com · toptenmarbella.com

Owning

Three bills that arrive after everyone has gone home.

None of them are large. They simply need to be known — put them in above and they stop being surprises.

1

IBI, once a year, from the town hall

The council property tax, charged on the valor catastral — not on what you paid. It is usually modest, and it arrives once a year on the town hall's own timetable. Ask for the figure on the exact address before you offer; it is public, and any seller can produce last year's receipt.

2

Modelo 210, if you do not live here

Own a home in Spain without being a Spanish tax resident and you owe a small annual tax on the notional rent — even with the shutters closed and nobody in it. Most owners have their lawyer file it. It is small, but it is not optional, and it catches people in year two.

3

The community fee is not a guess

Every building has an exact figure and a set of accounts, and you are entitled to see both before you buy. Ask what it covers, whether water is inside it, and — the question nobody asks — whether a derrama is coming: a one-off levy for a new lift or roof, split between the owners.

Where these figures come from

The defaults are ours. The numbers should be yours.

Community, electricity, insurance, security — the figures we actually see across the homes we handle on this coast. Not a published tariff, and not a guess: our own experience.
IBI, basura and Modelo 210 — we deliberately leave these at zero. They depend on your municipality and your tax residency, and we would rather show nothing than show you a number we invented. Your town hall and your lawyer have the real ones.
Exchange rate — live from the European Central Bank via Frankfurter, updated each working day.
What it costs to buy — a separate question, answered on what it actually costs: transfer tax, notary, registry and legal fees.

We are estate agents, not tax advisers or mortgage brokers. Use this to see the shape of the monthly cost, then let your lawyer and your bank confirm your actual numbers.