The numbers most listings don't show you
Asking price is only part of what a Balearic property costs you. These free tools surface the rest — Spanish transfer tax, full transaction costs, and (for Italian residents) the annual IVIE wealth tax — before you make an offer.
Will this Balearic property likely qualify for a vivienda turística (ETV) licence? AI estimate trained on the official 22,000-licence registry. Beta.
ITP transfer tax + notary + property registry + legal + agency. The complete out-the-door cost for a Balearic property purchase.
Monthly payment, total interest, LTV, and a stress test for rate rises. EUR, GBP, USD, CHF. Built for non-resident Spanish mortgages.
Tiered Spanish property transfer tax (Impuesto de Transmisiones Patrimoniales) for the Balearic Islands. 8% to 13% depending on price band.
Annual non-resident tax estimator. Imputed income for unrented property (1.1% × cadastral), or gross/net rental income. 19% EU / 24% non-EU rates.
Italian wealth tax on foreign property — 0.76% annually on cadastral value, declared via quadro RW. Required for all Italian tax residents.
Impuesto sobre el Patrimonio for the Balearics. €700K threshold, progressive 0.28-3.45%. Resident vs non-resident handled.
Gross/net/cash-on-cash yield on Balearic property — long-term or ETV short-term. IBI + management + Modelo 210 tax + mortgage all modelled.
Does your income meet Spain's DNV threshold? 200% of IPREM for the applicant, +75%/+25% per dependent. 2026 figures.
Spain's expat tax regime — flat 24% vs progressive 47%. Check whether you qualify and the 6-month filing window.
Can you build on a Balearic rural plot? Screen by zone class + plot size against PTI minimums per island. Mallorca, Menorca, Ibiza, Formentera.