{"id":31522,"date":"2026-06-28T08:52:47","date_gmt":"2026-06-28T08:52:47","guid":{"rendered":"https:\/\/www.hansen-realestate.com\/omkostninger-koebe-bolig-andalusien-guide-da\/"},"modified":"2026-06-28T08:52:47","modified_gmt":"2026-06-28T08:52:47","slug":"omkostninger-koebe-bolig-andalusien-guide-da","status":"publish","type":"post","link":"https:\/\/www.hansen-realestate.com\/da\/omkostninger-koebe-bolig-andalusien-guide-da\/","title":{"rendered":"Omkostninger ved at k\u00f8be bolig i Andalusien: Skatter, gebyrer og k\u00f8berbudget for boliger p\u00e5 Costa del Sol"},"content":{"rendered":"<p><strong>Omkostningerne ved at k\u00f8be bolig i Andalusien<\/strong> er som regel h\u00f8jere end den pris, du ser i salgsopstillingen. Ikke dramatisk h\u00f8jere, men nok til at det kan \u00e6ndre din budstrategi. Vi oplever det hver uge p\u00e5 vores kontor i Torre del Mar. En k\u00f8ber forelsker sig i en tov\u00e6relses lejlighed t\u00e6t p\u00e5 Paseo Mar\u00edtimo, regner udbetalingen ud og stiller s\u00e5 det rigtige sp\u00f8rgsm\u00e5l: Hvad skal jeg faktisk have st\u00e5ende p\u00e5 kontoen for at gennemf\u00f8re k\u00f8bet?<\/p>\n<p>Det korte svar for de fleste k\u00f8bere p\u00e5 Costa del Sol er enkelt. Regn med cirka 10 % oveni prisen p\u00e5 en gensalgsbolig og omkring 12\u201313 % ekstra p\u00e5 en nybygget bolig. Hvis du bruger realkreditl\u00e5n, k\u00f8ber til udlejning, skal m\u00f8blere boligen eller k\u00f8ber gennem et selskab, b\u00f8r dit budget v\u00e6re lidt bredere.<\/p>\n<p>Vores team hj\u00e6lper skandinaviske, tyske, britiske og hollandske k\u00f8bere med netop denne beregning i Torre del Mar, Torrox, Nerja, V\u00e9lez-M\u00e1laga, Caleta de V\u00e9lez, Fuengirola og Benalm\u00e1dena. Tallene nedenfor er praktiske \u2013 ikke pynt. Brug dem, f\u00f8r du afgiver et bud.<\/p>\n<section class=\"abai-ego-properties\"><h2 class=\"abai-ego-properties__heading\">Aktuelle lejligheder til salg i V\u00e9lez-M\u00e1laga<\/h2><div class=\"ego-hansen-grid ego-hansen-grid-featured abai-ego-properties__grid\">\t\t<style>\n\t\t\t.ego-hansen-card-thumb { position: relative; overflow: hidden; }\n\t\t\t.ego-hansen-status-badge{\n\t\t\t\tposition:absolute;\n\t\t\t\ttop:14px;\n\t\t\t\tleft:-42px;\n\t\t\t\ttransform:rotate(-45deg);\n\t\t\t\tbackground:#b52128;\n\t\t\t\tcolor:#fff;\n\t\t\t\tfont-size:14px;\n\t\t\t\tline-height:1;\n\t\t\t\tpadding:10px 60px;\n\t\t\t\tfont-weight:600;\n\t\t\t\tletter-spacing:.02em;\n\t\t\t\ttext-transform:none;\n\t\t\t\tz-index:3;\n\t\t\t\tbox-shadow:0 6px 16px rgba(0,0,0,.18);\n\t\t\t\tpointer-events:none;\n\t\t\t}\n\t\t\t\/* Hvis du vil skelne farver, kan du \u00e6ndre her *\/\n\t\t\t.ego-hansen-status-badge.is-reserved{ background:#b52128; }\n\t\t\t.ego-hansen-status-badge.is-sold{ background:#b52128; }\n\t\t<\/style>\n\t\t\t<article class=\"ego-hansen-card ego-hansen-card-featured \">\n\n\t\t\t\t\t<div class=\"ego-hansen-card-fav\" data-id=\"26088180\">\n\t\t\t\t<svg class=\"fav-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t<path d=\"M12 17.3l6.2 3.7-1.6-7 5.4-4.7-7.1-.6L12 2 9.1 8.7l-7.1.6 5.4 4.7-1.6 7z\"\/>\n\t\t\t\t<\/svg>\n\t\t\t<\/div>\n\t\t\n\t\t<a href=\"https:\/\/www.hansen-realestate.com\/da\/bolig\/studio-med-havudsigt-paa-tiende-sal-og-en-fremragende-beliggenhed-26088180\/\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-thumb\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.egorealestate.com\/Z320x240\/S5\/C8533\/P30404711\/Tphoto\/ID67f0cf01-0000-0500-0000-000019ae32d5.jpg\" alt=\"Studio med havudsigt p\u00e5 tiende sal og en fremragende beliggenhed\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"ego-hansen-card-body\">\n\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-ref\">\n\t\t\t\t\t\tRef. 26042\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"ego-hansen-card-title\">Studio med havudsigt p\u00e5 tiende sal og en fremragende beliggenhed<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-location\">V\u00e9lez-M\u00e1laga &gt; Torre del Mar<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-price\">189\u00a0000 \u20ac<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"ego-hansen-card-meta\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bathrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M7 6h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 6v3\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 9h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12h16v3a4 4 0 0 1-4 4H8a4 4 0 0 1-4-4v-3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M7 19l-1 2M17 19l1 2\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>1<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M4 16c1.5 1 2.5 1 4 0s2.5-1 4 0 2.5 1 4 0 2.5-1 4 0\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12c1.5 1 2.5 1 4 0s2.5-1 4 0 2.5 1 4 0 2.5-1 4 0\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>Pool<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Covered area (Superficie Construida) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\"><\/rect>\n\t\t\t\t<path d=\"M7 12l5-4 5 4\"><\/path>\n\t\t\t\t<path d=\"M10 20v-5h4v5\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>36 m\u00b2<\/span>\n\t<\/span>\n\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/article>\n\t\t<article class=\"ego-hansen-card ego-hansen-card-featured \">\n\n\t\t\t\t\t<div class=\"ego-hansen-card-fav\" data-id=\"26437874\">\n\t\t\t\t<svg class=\"fav-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t<path d=\"M12 17.3l6.2 3.7-1.6-7 5.4-4.7-7.1-.6L12 2 9.1 8.7l-7.1.6 5.4 4.7-1.6 7z\"\/>\n\t\t\t\t<\/svg>\n\t\t\t<\/div>\n\t\t\n\t\t<a href=\"https:\/\/www.hansen-realestate.com\/da\/bolig\/fritliggende-villa-med-gaestelejligheder-opvarmet-pool-og-havudsigt-i-el-capitan-almayate-26437874\/\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-thumb\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.egorealestate.com\/Z320x240\/S5\/C8533\/P30841239\/Tphoto\/ID9799d601-0000-0500-0000-00001a29e995.jpg\" alt=\"Fritliggende villa med g\u00e6stelejligheder, opvarmet pool og havudsigt i El Capit\u00e1n, Almayate\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"ego-hansen-card-body\">\n\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-ref\">\n\t\t\t\t\t\tRef. 26050\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"ego-hansen-card-title\">Fritliggende villa med g\u00e6stelejligheder, opvarmet pool og havudsigt i El Capit\u00e1n, Almayate<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-location\">V\u00e9lez-M\u00e1laga &gt; Almayate<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-price\">665\u00a0000 \u20ac<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"ego-hansen-card-meta\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bedrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M4 12V8a3 3 0 0 1 3-3h3\"><\/path>\n\t\t\t\t\t\t\t\t<rect x=\"12\" y=\"7\" width=\"6\" height=\"4\" rx=\"1\"><\/rect>\n\t\t\t\t\t\t\t\t<path d=\"M3 12h18v6H3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M6 21v-3M18 21v-3\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>4<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bathrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M7 6h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 6v3\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 9h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12h16v3a4 4 0 0 1-4 4H8a4 4 0 0 1-4-4v-3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M7 19l-1 2M17 19l1 2\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>2<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M3 8l9-4 9 4v10a2 2 0 0 1-2 2h-2\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M7 20h10\"><\/path>\n\t\t\t\t\t\t\t\t<rect x=\"7\" y=\"12\" width=\"10\" height=\"5\" rx=\"2\" ry=\"2\"><\/rect>\n\t\t\t\t\t\t\t\t<circle cx=\"9\" cy=\"17\" r=\"0.8\"><\/circle>\n\t\t\t\t\t\t\t\t<circle cx=\"15\" cy=\"17\" r=\"0.8\"><\/circle>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>1<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M4 16c1.5 1 2.5 1 4 0s2.5-1 4 0 2.5 1 4 0 2.5-1 4 0\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12c1.5 1 2.5 1 4 0s2.5-1 4 0 2.5 1 4 0 2.5-1 4 0\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>Pool<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Covered area (Superficie Construida) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\"><\/rect>\n\t\t\t\t<path d=\"M7 12l5-4 5 4\"><\/path>\n\t\t\t\t<path d=\"M10 20v-5h4v5\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>242 m\u00b2<\/span>\n\t<\/span>\n\n\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Plot area (Superficie Parcela) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\" stroke-dasharray=\"3 2\"><\/rect>\n\t\t\t\t<path d=\"M12 16c2.2 0 3.8-1.6 3.8-3.6C13.7 12.2 12.7 10.6 12 9c-.7 1.6-1.7 3.2-3.8 3.4C8.2 14.4 9.8 16 12 16z\"><\/path>\n\t\t\t\t<path d=\"M12 16v4\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>1126 m\u00b2<\/span>\n\t<\/span>\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/article>\n\t\t<article class=\"ego-hansen-card ego-hansen-card-featured \">\n\n\t\t\t\t\t<div class=\"ego-hansen-card-fav\" data-id=\"25448101\">\n\t\t\t\t<svg class=\"fav-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t<path d=\"M12 17.3l6.2 3.7-1.6-7 5.4-4.7-7.1-.6L12 2 9.1 8.7l-7.1.6 5.4 4.7-1.6 7z\"\/>\n\t\t\t\t<\/svg>\n\t\t\t<\/div>\n\t\t\n\t\t<a href=\"https:\/\/www.hansen-realestate.com\/da\/bolig\/villa-med-hav-og-bjergudsigt-i-benajarafe-25448101\/\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-thumb\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.egorealestate.com\/Z320x240\/S5\/C8533\/P29689353\/Tphoto\/ID0906c501-0000-0500-0000-000018ce15d2.jpg\" alt=\"Villa med hav- og bjergudsigt i Benajarafe\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"ego-hansen-card-body\">\n\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-ref\">\n\t\t\t\t\t\tRef. 26000\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"ego-hansen-card-title\">Villa med hav- og bjergudsigt i Benajarafe<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-location\">V\u00e9lez-M\u00e1laga &gt; Benajarafe<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-price\">955\u00a0000 \u20ac<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"ego-hansen-card-meta\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bedrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M4 12V8a3 3 0 0 1 3-3h3\"><\/path>\n\t\t\t\t\t\t\t\t<rect x=\"12\" y=\"7\" width=\"6\" height=\"4\" rx=\"1\"><\/rect>\n\t\t\t\t\t\t\t\t<path d=\"M3 12h18v6H3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M6 21v-3M18 21v-3\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>5<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bathrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M7 6h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 6v3\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 9h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12h16v3a4 4 0 0 1-4 4H8a4 4 0 0 1-4-4v-3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M7 19l-1 2M17 19l1 2\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>4<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M4 16c1.5 1 2.5 1 4 0s2.5-1 4 0 2.5 1 4 0 2.5-1 4 0\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12c1.5 1 2.5 1 4 0s2.5-1 4 0 2.5 1 4 0 2.5-1 4 0\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>Pool<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Covered area (Superficie Construida) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\"><\/rect>\n\t\t\t\t<path d=\"M7 12l5-4 5 4\"><\/path>\n\t\t\t\t<path d=\"M10 20v-5h4v5\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>414 m\u00b2<\/span>\n\t<\/span>\n\n\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Plot area (Superficie Parcela) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\" stroke-dasharray=\"3 2\"><\/rect>\n\t\t\t\t<path d=\"M12 16c2.2 0 3.8-1.6 3.8-3.6C13.7 12.2 12.7 10.6 12 9c-.7 1.6-1.7 3.2-3.8 3.4C8.2 14.4 9.8 16 12 16z\"><\/path>\n\t\t\t\t<path d=\"M12 16v4\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>1000 m\u00b2<\/span>\n\t<\/span>\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/article>\n\t\t<article class=\"ego-hansen-card ego-hansen-card-featured \">\n\n\t\t\t\t\t<div class=\"ego-hansen-card-fav\" data-id=\"25241166\">\n\t\t\t\t<svg class=\"fav-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t<path d=\"M12 17.3l6.2 3.7-1.6-7 5.4-4.7-7.1-.6L12 2 9.1 8.7l-7.1.6 5.4 4.7-1.6 7z\"\/>\n\t\t\t\t<\/svg>\n\t\t\t<\/div>\n\t\t\n\t\t<a href=\"https:\/\/www.hansen-realestate.com\/da\/bolig\/renoveret-3-vaerelses-lejlighed-i-centrum-af-torre-del-mar-25241166\/\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-thumb\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.egorealestate.com\/Z320x240\/S5\/C8533\/P29462193\/Tphoto\/IDb18ec101-0000-0500-0000-00001885a991.jpg\" alt=\"Renoveret 3-v\u00e6relses lejlighed i centrum af Torre del Mar\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"ego-hansen-card-body\">\n\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-ref\">\n\t\t\t\t\t\tRef. 26010\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"ego-hansen-card-title\">Renoveret 3-v\u00e6relses lejlighed i centrum af Torre del Mar<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-location\">V\u00e9lez-M\u00e1laga &gt; Torre del Mar<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-price\">345\u00a0000 \u20ac<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"ego-hansen-card-meta\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bedrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M4 12V8a3 3 0 0 1 3-3h3\"><\/path>\n\t\t\t\t\t\t\t\t<rect x=\"12\" y=\"7\" width=\"6\" height=\"4\" rx=\"1\"><\/rect>\n\t\t\t\t\t\t\t\t<path d=\"M3 12h18v6H3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M6 21v-3M18 21v-3\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>3<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bathrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M7 6h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 6v3\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 9h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12h16v3a4 4 0 0 1-4 4H8a4 4 0 0 1-4-4v-3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M7 19l-1 2M17 19l1 2\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>1<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Covered area (Superficie Construida) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\"><\/rect>\n\t\t\t\t<path d=\"M7 12l5-4 5 4\"><\/path>\n\t\t\t\t<path d=\"M10 20v-5h4v5\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>86 m\u00b2<\/span>\n\t<\/span>\n\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/article>\n\t\t<article class=\"ego-hansen-card ego-hansen-card-featured \">\n\n\t\t\t\t\t<div class=\"ego-hansen-card-fav\" data-id=\"24825061\">\n\t\t\t\t<svg class=\"fav-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t<path d=\"M12 17.3l6.2 3.7-1.6-7 5.4-4.7-7.1-.6L12 2 9.1 8.7l-7.1.6 5.4 4.7-1.6 7z\"\/>\n\t\t\t\t<\/svg>\n\t\t\t<\/div>\n\t\t\n\t\t<a href=\"https:\/\/www.hansen-realestate.com\/da\/bolig\/fritliggende-hus-med-havudsigt-i-benajarafe-24825061\/\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-thumb\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.egorealestate.com\/Z320x240\/S5\/C8533\/P29007113\/Tphoto\/ID099dba01-0000-0500-0000-0000180630a1.jpg\" alt=\"Fritliggende hus med havudsigt i Benajarafe\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"ego-hansen-card-body\">\n\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-ref\">\n\t\t\t\t\t\tRef. 25053\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"ego-hansen-card-title\">Fritliggende hus med havudsigt i Benajarafe<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-location\">V\u00e9lez-M\u00e1laga &gt; Benajarafe<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-price\">510\u00a0000 \u20ac<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"ego-hansen-card-meta\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bedrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M4 12V8a3 3 0 0 1 3-3h3\"><\/path>\n\t\t\t\t\t\t\t\t<rect x=\"12\" y=\"7\" width=\"6\" height=\"4\" rx=\"1\"><\/rect>\n\t\t\t\t\t\t\t\t<path d=\"M3 12h18v6H3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M6 21v-3M18 21v-3\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>3<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bathrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M7 6h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 6v3\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 9h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12h16v3a4 4 0 0 1-4 4H8a4 4 0 0 1-4-4v-3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M7 19l-1 2M17 19l1 2\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>3<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M3 8l9-4 9 4v10a2 2 0 0 1-2 2h-2\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M7 20h10\"><\/path>\n\t\t\t\t\t\t\t\t<rect x=\"7\" y=\"12\" width=\"10\" height=\"5\" rx=\"2\" ry=\"2\"><\/rect>\n\t\t\t\t\t\t\t\t<circle cx=\"9\" cy=\"17\" r=\"0.8\"><\/circle>\n\t\t\t\t\t\t\t\t<circle cx=\"15\" cy=\"17\" r=\"0.8\"><\/circle>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>20<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Covered area (Superficie Construida) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\"><\/rect>\n\t\t\t\t<path d=\"M7 12l5-4 5 4\"><\/path>\n\t\t\t\t<path d=\"M10 20v-5h4v5\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>195 m\u00b2<\/span>\n\t<\/span>\n\n\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Plot area (Superficie Parcela) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\" stroke-dasharray=\"3 2\"><\/rect>\n\t\t\t\t<path d=\"M12 16c2.2 0 3.8-1.6 3.8-3.6C13.7 12.2 12.7 10.6 12 9c-.7 1.6-1.7 3.2-3.8 3.4C8.2 14.4 9.8 16 12 16z\"><\/path>\n\t\t\t\t<path d=\"M12 16v4\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>483 m\u00b2<\/span>\n\t<\/span>\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/article>\n\t\t<article class=\"ego-hansen-card ego-hansen-card-featured \">\n\n\t\t\t\t\t<div class=\"ego-hansen-card-fav\" data-id=\"23114680\">\n\t\t\t\t<svg class=\"fav-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t<path d=\"M12 17.3l6.2 3.7-1.6-7 5.4-4.7-7.1-.6L12 2 9.1 8.7l-7.1.6 5.4 4.7-1.6 7z\"\/>\n\t\t\t\t<\/svg>\n\t\t\t<\/div>\n\t\t\n\t\t<a href=\"https:\/\/www.hansen-realestate.com\/da\/bolig\/fritliggende-hus-med-havudsigt-privat-pool-og-elevator-i-almayate-23114680\/\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-thumb\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.egorealestate.com\/Z320x240\/S5\/C8533\/P27078449\/Tphoto\/ID312f9d01-0000-0500-0000-000015b85197.jpg\" alt=\"Fritliggende hus med havudsigt, privat pool og elevator i Almayate\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"ego-hansen-card-body\">\n\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-ref\">\n\t\t\t\t\t\tRef. 25029\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"ego-hansen-card-title\">Fritliggende hus med havudsigt, privat pool og elevator i Almayate<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-location\">V\u00e9lez-M\u00e1laga &gt; Almayate<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ego-hansen-card-price\">640\u00a0000 \u20ac<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"ego-hansen-card-meta\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bedrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M4 12V8a3 3 0 0 1 3-3h3\"><\/path>\n\t\t\t\t\t\t\t\t<rect x=\"12\" y=\"7\" width=\"6\" height=\"4\" rx=\"1\"><\/rect>\n\t\t\t\t\t\t\t\t<path d=\"M3 12h18v6H3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M6 21v-3M18 21v-3\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>3<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<!-- NEW: Bathrooms icon -->\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M7 6h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 6v3\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M9 9h4\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12h16v3a4 4 0 0 1-4 4H8a4 4 0 0 1-4-4v-3z\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M7 19l-1 2M17 19l1 2\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>3<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M3 8l9-4 9 4v10a2 2 0 0 1-2 2h-2\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M7 20h10\"><\/path>\n\t\t\t\t\t\t\t\t<rect x=\"7\" y=\"12\" width=\"10\" height=\"5\" rx=\"2\" ry=\"2\"><\/rect>\n\t\t\t\t\t\t\t\t<circle cx=\"9\" cy=\"17\" r=\"0.8\"><\/circle>\n\t\t\t\t\t\t\t\t<circle cx=\"15\" cy=\"17\" r=\"0.8\"><\/circle>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>2<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t\t\t\t\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t<path d=\"M4 16c1.5 1 2.5 1 4 0s2.5-1 4 0 2.5 1 4 0 2.5-1 4 0\"><\/path>\n\t\t\t\t\t\t\t\t<path d=\"M4 12c1.5 1 2.5 1 4 0s2.5-1 4 0 2.5 1 4 0 2.5-1 4 0\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<span>Pool<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Covered area (Superficie Construida) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\"><\/rect>\n\t\t\t\t<path d=\"M7 12l5-4 5 4\"><\/path>\n\t\t\t\t<path d=\"M10 20v-5h4v5\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>297 m\u00b2<\/span>\n\t<\/span>\n\n\t<span class=\"ego-hansen-meta-item\">\n\t\t<!-- NEW: Plot area (Superficie Parcela) -->\n\t\t<svg class=\"ego-hansen-meta-icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n\t\t\t<g fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n\t\t\t\t<rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\" stroke-dasharray=\"3 2\"><\/rect>\n\t\t\t\t<path d=\"M12 16c2.2 0 3.8-1.6 3.8-3.6C13.7 12.2 12.7 10.6 12 9c-.7 1.6-1.7 3.2-3.8 3.4C8.2 14.4 9.8 16 12 16z\"><\/path>\n\t\t\t\t<path d=\"M12 16v4\"><\/path>\n\t\t\t<\/g>\n\t\t<\/svg>\n\t\t<span>695 m\u00b2<\/span>\n\t<\/span>\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/article>\n\t<\/div><\/section>\n<h2>Omkostninger ved at k\u00f8be bolig i Andalusien: K\u00f8berens budgetformel<\/h2>\n<p>For de fleste private k\u00f8bere er den sikreste f\u00f8rste beregning simpel. Tag den aftalte k\u00f8bspris, l\u00e6g den korrekte k\u00f8bsskat til, samt notar- og tinglysningsgebyrer, advokatsal\u00e6r og en fornuftig buffer. Bufferen er vigtig. En villa til \u20ac400.000 i Nerja med realkreditl\u00e5n, vurdering, bankgebyr og et par overs\u00e6ttelser f\u00f8les meget anderledes end et kontantk\u00f8b af en lejlighed til \u20ac250.000 i Torre del Mar.<\/p>\n<p>Andalusien er lettere at budgettere for end flere andre spanske regioner, fordi overdragelsesskatten (ITP) p\u00e5 gensalg i \u00f8jeblikket er en fast sats p\u00e5 7 % for almindelige boligk\u00f8b. Ingen glidende skala, ingen ubehagelige spring ved h\u00f8jere prisklasser. Nybyggeri fungerer anderledes. Her betales 10 % moms (IVA) plus AJD-stempelafgift, som aktuelt er 1,2 % i Andalusien.<\/p>\n<p>Det er det f\u00f8rste vigtige skel: gensalg eller nybyggeri. Vi sp\u00f8rger altid om det, inden vi taler pris, fordi skattebehandlingen straks \u00e6ndrer det samlede kontantbehov. En kunde, der ser p\u00e5 bolig i El Pe\u00f1oncillo i Torrox, kan sammenligne en gensalgslejlighed til \u20ac385.000 med en nybygget til \u20ac400.000. P\u00e5 papiret er forskellen \u20ac15.000. Ved overtagelse, efter skat, kan forskellen v\u00e6re t\u00e6ttere p\u00e5 \u20ac28.000\u2013\u20ac30.000. Lille detalje? Ikke rigtigt.<\/p>\n<p>Hvis du stadig kortl\u00e6gger hele den juridiske proces, forklarer vores separate guide til <a href=\"https:\/\/www.hansen-realestate.com\/da\/saadan-koeber-du-bolig-spanien-udlaending-juridiske-trin-skatter-2026-da\/\">k\u00f8b af bolig i Spanien som udl\u00e6nding<\/a> trinene fra reservationskontrakt til notarsk\u00f8de i flere detaljer.<\/p>\n<h2>Omkostninger ved k\u00f8b af gensalgsbolig p\u00e5 Costa del Sol<\/h2>\n<p>En gensalgsbolig er en bolig, der allerede har haft en tidligere ejer. Mange lejligheder omkring Avenida Andaluc\u00eda i Torre del Mar, r\u00e6kkehuse i V\u00e9lez-M\u00e1laga, villaer i Sayalonga og etablerede boliger n\u00e6r Baviera Golf i Caleta de V\u00e9lez h\u00f8rer til denne kategori.<\/p>\n<p>Den vigtigste skat er <strong>ITP, Andalusiens overdragelsesskat<\/strong>, som udg\u00f8r 7 % af k\u00f8bsprisen eller den skattem\u00e6ssige referencev\u00e6rdi, hvis denne er h\u00f8jere. Din advokat b\u00f8r tjekke referencev\u00e6rdien, f\u00f8r du underskriver privat k\u00f8bsaftale, da de spanske skattemyndigheder kan vurdere handlen ud fra dette tal. De fleste k\u00f8bere fokuserer p\u00e5 udbudsprisen. Skattekontoret g\u00f8r det ikke n\u00f8dvendigvis.<\/p>\n<p>Efter ITP skal du regne med notar- og tinglysningsgebyrer samt advokatsal\u00e6r. Notar- og tinglysningsomkostninger varierer efter pris og kompleksitet, men for almindelige boligk\u00f8b ligger de ofte samlet mellem \u20ac1.200 og \u20ac3.500. Advokatsal\u00e6r er typisk omkring 1 % af k\u00f8bsprisen plus IVA, selvom nogle advokater arbejder med fast pris. Overs\u00e6ttelse, fuldmagt, NIE-hj\u00e6lp og bankoverf\u00f8rsler kan ligge udenfor dette bel\u00f8b.<\/p>\n<p>Vores tommelfingerregel for et ukompliceret gensalgsk\u00f8b uden realkreditl\u00e5n er at regne med 9\u201310 % og s\u00e5 runde op. Ved k\u00f8b med l\u00e5n: 10\u201311,5 %. K\u00f8bere, der sover bedst, bruger 11 %. Vi anbefaler god nattes\u00f8vn.<\/p>\n<h3>Eksempler p\u00e5 k\u00f8berbudget ved gensalg<\/h3>\n<table>\n<thead>\n<tr>\n<th>K\u00f8bspris<\/th>\n<th>ITP 7 %<\/th>\n<th>Typiske gebyrer og advokatomkostninger<\/th>\n<th>Praktisk totalbudget<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u20ac250.000 lejlighed<\/td>\n<td>\u20ac17.500<\/td>\n<td>\u20ac5.000\u2013\u20ac7.500<\/td>\n<td>Ca. \u20ac275.000<\/td>\n<\/tr>\n<tr>\n<td>\u20ac400.000 r\u00e6kkehus eller villa<\/td>\n<td>\u20ac28.000<\/td>\n<td>\u20ac7.000\u2013\u20ac11.000<\/td>\n<td>Ca. \u20ac440.000<\/td>\n<\/tr>\n<tr>\n<td>\u20ac750.000 villa<\/td>\n<td>\u20ac52.500<\/td>\n<td>\u20ac12.500\u2013\u20ac22.500<\/td>\n<td>Ca. \u20ac825.000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Dette er ikke fakturaer, men planl\u00e6gningstal. En ukompliceret lejlighed til \u20ac250.000 i Torrox Costa uden l\u00e5n vil typisk ligge i den lave ende. En fritliggende villa til \u20ac750.000 i Marbella eller Mijas med mere due diligence, pooldokumentation, f\u00e6llesskabstjek og finansiering kan tr\u00e6kke opad.<\/p>\n<h2>Nybyggeri: Omkostninger, IVA, AJD og betalingstidspunkter<\/h2>\n<p>Nybyggeri f\u00f8les dejligt rent. Nye k\u00f8kkener, energiruder, moderne terrasser og ofte poolomr\u00e5der, der ser perfekte ud, f\u00f8r de har haft deres f\u00f8rste rigtige sommer. Vi kan godt lide nybyggeri, og det g\u00f8r mange af vores k\u00f8bere ogs\u00e5 \u2013 is\u00e6r omkring Torre del Mar, Rinc\u00f3n de la Victoria, Fuengirola og Benalm\u00e1dena. Men budgettet skal beregnes anderledes.<\/p>\n<p>Ved k\u00f8b af nybygget bolig fra en udvikler betaler k\u00f8ber <strong>10 % IVA<\/strong> og <strong>AJD-stempelafgift<\/strong>. I Andalusien er AJD aktuelt 1,2 % for standard boligsk\u00f8der. Samlet udg\u00f8r skatten alene 11,2 %, f\u00f8r du l\u00e6gger advokat, notar, tinglysning og bankomkostninger til. Derfor b\u00f8r nybygningsk\u00f8bere normalt have 12,5\u201313,5 % ekstra til r\u00e5dighed ud over k\u00f8bsprisen \u2013 nogle gange mere, hvis der er tilvalg, m\u00f8belpakker eller l\u00e5neomkostninger.<\/p>\n<p>Betalingstidspunktet \u00e6ndrer ogs\u00e5 oplevelsen. Ved gensalg betales det meste ved overtagelse. Ved nybyggeri er ratebetalinger almindelige. Du reserverer m\u00e5ske med et mindre bel\u00f8b, betaler s\u00e5 10 %, 20 % eller 30 % undervejs i byggeriet, og resten ved overtagelse. IVA l\u00e6gges typisk til disse rater. En svensk k\u00f8ber spurgte os for nylig, hvorfor reservationsbel\u00f8bet p\u00e5 et nybyggeri ved Vi\u00f1a M\u00e1laga i Torre del Mar ikke matchede den annoncerede betalingsplan. Svaret var simpelt: Skatten blev lagt til ved hver betaling. Klart, n\u00e5r det forklares \u2013 irriterende, hvis det opdages sent.<\/p>\n<p>Inden du binder dig til et nyt projekt, skal din advokat tjekke byggetilladelse, bankgarantier for forudbetalinger, udviklerens leveringstidsplan og forventede afleveringsdokumenter. Vores <a href=\"https:\/\/www.hansen-realestate.com\/da\/boliger\/\">aktuelle udvalg af boliger p\u00e5 Costa del Sol<\/a> omfatter b\u00e5de gensalg og nybyggeri, og vi pr\u00e6ciserer altid, hvilken skattemodel der g\u00e6lder, f\u00f8r kunderne sammenligner totaler.<\/p>\n<h3>Eksempler p\u00e5 k\u00f8berbudget ved nybyggeri<\/h3>\n<table>\n<thead>\n<tr>\n<th>K\u00f8bspris<\/th>\n<th>IVA 10 %<\/th>\n<th>AJD 1,2 %<\/th>\n<th>Praktisk totalbudget<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u20ac250.000 lejlighed<\/td>\n<td>\u20ac25.000<\/td>\n<td>\u20ac3.000<\/td>\n<td>Ca. \u20ac282.000\u2013\u20ac284.000<\/td>\n<\/tr>\n<tr>\n<td>\u20ac400.000 nybygget bolig<\/td>\n<td>\u20ac40.000<\/td>\n<td>\u20ac4.800<\/td>\n<td>Ca. \u20ac451.000\u2013\u20ac453.000<\/td>\n<\/tr>\n<tr>\n<td>\u20ac750.000 villa eller penthouse<\/td>\n<td>\u20ac75.000<\/td>\n<td>\u20ac9.000<\/td>\n<td>Ca. \u20ac845.000\u2013\u20ac850.000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Bem\u00e6rk m\u00f8nstret. Et nybyggeri til \u20ac400.000 er ikke en \u20ac440.000-handel; det ender normalt t\u00e6ttere p\u00e5 \u20ac452.000, n\u00e5r de reelle omkostninger regnes med. Den forskel kan afg\u00f8re, om en k\u00f8ber v\u00e6lger Benalm\u00e1dena, Fuengirola eller et mere prisvenligt projekt \u00f8st for M\u00e1laga langs A-7.<\/p>\n<h2>Notar, tinglysning og advokatsal\u00e6r: De stille omkostninger, k\u00f8bere glemmer<\/h2>\n<p>Notargebyr betales, fordi sk\u00f8det skal underskrives foran en spansk notar. Notaren er ikke din private advokat, og den forskel er vigtig. Notaren bekr\u00e6fter identitet, lovlighed og formel underskrift, men din advokat b\u00f8r have tjekket g\u00e6ld, ejerskab, lokalplan, f\u00e6llesudgifter og skattem\u00e6ssige forhold i god tid inden den dag.<\/p>\n<p>Tinglysningen registrerer dig som ny ejer. Det er ikke glamour\u00f8st, men det er det \u00f8jeblik, hvor dit ejerskab bliver reelt beskyttet i det offentlige register. Vores erfaring er, at k\u00f8bere fra Danmark og Norge ofte s\u00e6tter pris p\u00e5 denne del af systemet, n\u00e5r de forst\u00e5r det. Spanien kan f\u00f8les papir-tungt, men tinglysningssystemet er solidt, n\u00e5r det h\u00e5ndteres korrekt.<\/p>\n<p>Advokatsal\u00e6r er den ene omkostning, vi ikke ville fors\u00f8ge at presse for meget. En grundig advokat b\u00f8r gennemg\u00e5 Nota Simple, matrikeldata, lokalplan, energicertifikat, beboelsesattest hvor relevant, referater fra f\u00e6llesskab, udest\u00e5ende g\u00e6ld, IBI-kvitteringer og eventuelle udlejningsbegr\u00e6nsninger. For landejendomme i Comares, C\u00fatar, Sayalonga eller Vi\u00f1uela kan arbejdet v\u00e6re tungere, fordi jordklassificering, vandrettigheder og tilbygninger kr\u00e6ver ekstra kontrol. En besparelse p\u00e5 \u20ac1.500 p\u00e5 advokatarbejde kan ende som en dyr \u00f8konomi.<\/p>\n<h2>Realkreditomkostninger for udenlandske k\u00f8bere i Spanien<\/h2>\n<p>Hvis du har brug for finansiering, s\u00e5 start tidligt. Ikke efter dr\u00f8mmevillaen er dukket op. Ikke efter buddet er accepteret. Tidligt.<\/p>\n<p>Spanske banker tilbyder normalt ikke-residente k\u00f8bere en lavere bel\u00e5ningsgrad end til fastboende, ofte baseret p\u00e5 k\u00f8bspris eller vurdering \u2013 det laveste af de to. K\u00f8ber betaler normalt for vurderingen. Nogle banker opkr\u00e6ver oprettelsesgebyr, andre ikke. Forsikringsprodukter kan blive tilbudt, og nogle gange afh\u00e6nger renten af, hvilke produkter du accepterer. L\u00e6s det afsnit grundigt.<\/p>\n<p>Siden lov\u00e6ndringerne i Spanien for nogle \u00e5r siden betaler l\u00e5ngiver ofte mange af de formelle omkostninger ved realkredit, herunder AJD p\u00e5 l\u00e5n. Alligevel b\u00f8r k\u00f8ber budgettere med vurdering, eventuelle m\u00e6glerhonorarer, overs\u00e6ttelser, bankkonto og ekstra tid. Et l\u00e5n p\u00e5virker ogs\u00e5 dit bud, fordi s\u00e6lgere p\u00e5 Costa del Sol kan foretr\u00e6kke en kontantk\u00f8ber, hvis prisen er ens og overtagelsen hurtigere.<\/p>\n<p>Ved k\u00f8b med finansiering anbefaler vi som regel, at kunder har ca. 1 % ekstra til r\u00e5dighed ud over det normale k\u00f8bsbudget. Det bliver m\u00e5ske ikke brugt. Godt. Et boligk\u00f8b skal ikke k\u00f8res med samme pr\u00e6cision som en regning, der deles mellem venner p\u00e5 restaurant.<\/p>\n<h2>Investeringsejendomme: Udlejningsboliger kr\u00e6ver ekstra budget<\/h2>\n<p>En investeringsejendom har to budgetter. Det f\u00f8rste er k\u00f8bsbudgettet. Det andet er &#8220;klar til udlejning&#8221;-budgettet. Mange k\u00f8bere regner kun det f\u00f8rste.<\/p>\n<p>En lejlighed til \u20ac250.000 i Torre del Mar med elevator, terrasse og g\u00e5afstand til stranden kan v\u00e6re attraktiv til ferieudlejning. Men hvis den skal m\u00f8bleres, have aircondition-servicering, nye madrasser, professionelle fotos, smartl\u00e5s, k\u00f8kkenudstyr og lovpligtige tjek, er den reelle investering ikke \u20ac275.000. Det kan v\u00e6re flere tusinde euro h\u00f8jere, f\u00f8r den f\u00f8rste g\u00e6st ankommer.<\/p>\n<p>Korttidsudlejningsregler kr\u00e6ver ogs\u00e5 opm\u00e6rksomhed. I M\u00e1laga by, Fuengirola, Benalm\u00e1dena, Nerja og dele af den \u00f8stlige Costa del Sol kan eftersp\u00f8rgslen v\u00e6re h\u00f8j, men reglerne er ikke ens i alle kommuner eller ejerforeninger. Nogle bygninger er afslappede. Andre ikke. Vi har set k\u00f8bere blive begejstrede for en sydvendt lejlighed n\u00e6r centrum af Nerja, blot for at opdage, at f\u00e6llesskabets vedt\u00e6gter kr\u00e6vede n\u00e6rmere gennemgang, f\u00f8r udlejningsplanen kunne stoles p\u00e5.<\/p>\n<p>Hvis udlejningsindt\u00e6gt er en del af din k\u00f8bslogik, s\u00e5 l\u00e6s vores guide til <a href=\"https:\/\/www.hansen-realestate.com\/da\/turistudlejningstilladelse-andalusien-guide-2026-da\/\">turistudlejningslicens i Andalusien<\/a> f\u00f8r du afgiver bud \u2013 is\u00e6r hvis du sammenligner Torre del Mar, Torrox og Nerja.<\/p>\n<h3>Tre investerings-eksempler<\/h3>\n<p>En gensalgslejlighed til \u20ac250.000 i Torre del Mar kr\u00e6ver et sikkert k\u00f8bsbudget p\u00e5 ca. \u20ac275.000. Hvis m\u00f8blerne er slidte, b\u00f8r du l\u00e6gge et separat m\u00f8bel- og pr\u00e6sentationsbudget oveni, f\u00f8r du regner udlejningsafkast. Paseo Mar\u00edtimo og gaderne omkring Calle del Mar kan give forskellige resultater sammenlignet med roligere boligomr\u00e5der \u2013 selv ved samme k\u00f8bspris.<\/p>\n<p>En lejlighed eller et r\u00e6kkehus til \u20ac400.000 i Benalm\u00e1dena kan nemt kr\u00e6ve \u20ac440.000\u2013\u20ac453.000 afh\u00e6ngigt af gensalg eller nybyggeri. Afstand til tog, strandadgang og parkering betyder noget. Det g\u00f8r f\u00e6llesskabsregler ogs\u00e5. Vi beder altid om de seneste referater fra ejerforeningen; de afsl\u00f8rer ofte mere end brochuren.<\/p>\n<p>En villa til \u20ac750.000 i Nerja, Mijas eller Marbella er en anden st\u00f8rrelse. K\u00f8bsomkostninger kan presse totalen op mod \u20ac825.000 ved gensalg eller t\u00e6t p\u00e5 \u20ac850.000 ved nybyggeri. Derefter kommer poolvedligeholdelse, havepleje, forsikring, sikkerhed, eventuel udlejningsadministration og m\u00f8bler af h\u00f8jere kvalitet. Ejendommen kan v\u00e6re smuk. Regnearket skal v\u00e6re \u00e6rligt.<\/p>\n<h2>Tjekliste for k\u00f8bere f\u00f8r du afgiver bud<\/h2>\n<p>Vi bruger en tjekliste med vores kunder, f\u00f8r de underskriver reservationsaftale. Hvis du \u00f8nsker PDF-versionen, s\u00e5 kontakt vores team \u2013 vi sender den gerne inden din besigtigelsestur. Den korte version er herunder. Print den, marker den, diskuter den om n\u00f8dvendigt. Den har reddet mere end \u00e9n k\u00f8ber fra en dyr overraskelse.<\/p>\n<ul>\n<li>Bekr\u00e6ft om boligen er gensalg eller nybyggeri, og brug korrekt skat: 7 % ITP eller 10 % IVA plus 1,2 % AJD.<\/li>\n<li>Bed din advokat tjekke skattem\u00e6ssig referencev\u00e6rdi, f\u00f8r du accepterer endelig pris.<\/li>\n<li>F\u00e5 estimerede notar-, tinglysnings-, advokat-, overs\u00e6ttelses- og fuldmagtsomkostninger p\u00e5 skrift.<\/li>\n<li>Hvis du bruger l\u00e5n, bed om bankens forh\u00e5ndsgodkendelse, f\u00f8r du afgiver bindende bud.<\/li>\n<li>Tjek IBI, renovationsafgift, f\u00e6llesudgifter og eventuelle udest\u00e5ender i ejerforeningen.<\/li>\n<li>Gennemg\u00e5 f\u00e6llesskabets vedt\u00e6gter og seneste referater, is\u00e6r ved udlejningsplaner.<\/li>\n<li>For villaer: Bekr\u00e6ft poolregistrering, tilbygninger, skel, forsyninger og planstatus.<\/li>\n<li>For landejendomme i Comares, Sayalonga, C\u00fatar eller Vi\u00f1uela: Insist\u00e9r p\u00e5 grundig kontrol af jord og bygninger.<\/li>\n<li>Sp\u00f8rg hvad der er inkluderet: m\u00f8bler, h\u00e5rde hvidevarer, parkeringsplads, depotrum, markiser, aircondition.<\/li>\n<\/ul>\n<p>En ting mere, selvom det burde v\u00e6re indlysende: F\u00e5 dit NIE-nummer p\u00e5 plads tidligt. Uden det bliver overtagelsen hurtigt besv\u00e6rlig. Vores guide til <a href=\"https:\/\/www.hansen-realestate.com\/da\/nie-nummer-spanien-boligkob-guide-da\/\">NIE-nummer for boligk\u00f8bere i Spanien<\/a> forklarer, hvordan du forbereder dig inden underskrift.<\/p>\n<h2>Hvad skal du byde, hvis dit samlede budget er fast?<\/h2>\n<p>Her bliver regnestykket praktisk. Hvis dit maksimale totalbudget er \u20ac400.000, b\u00f8r du ikke se p\u00e5 gensalgsboliger til \u20ac400.000, medmindre du er tryg ved at overskride dit loft. Din m\u00e5lk\u00f8bspris for gensalg b\u00f8r ligge t\u00e6ttere p\u00e5 \u20ac360.000\u2013\u20ac365.000. For nybyggeri m\u00e5ske n\u00e6rmere \u20ac352.000\u2013\u20ac355.000.<\/p>\n<p>K\u00f8bere bryder sig ikke om denne samtale. Vi forst\u00e5r det. Udbudsprisen er f\u00f8lelsesladet \u2013 skatter er det ikke. Men de bedste k\u00f8b, vi ser, foretages af kunder, der beslutter deres totalbudget f\u00f8rst og derefter forhandler bagl\u00e6ns. Det giver ro. Det hj\u00e6lper os ogs\u00e5 med at filtrere rigtigt, s\u00e5 vi ikke spilder din besigtigelsesdag p\u00e5 at k\u00f8re fra Torre del Mar til Fuengirola og tilbage ad A-7 for boliger, der aldrig passer til budgettet.<\/p>\n<p>Der er ogs\u00e5 et lokalt timing-element. I popul\u00e6re kystomr\u00e5der som Nerja, Benalm\u00e1dena og dele af Fuengirola kan gode boliger forsvinde hurtigt i for\u00e5ret og forsommeren. I V\u00e9lez-M\u00e1laga, Algarrobo og Torrox er der ofte lidt mere tid til at sammenligne, selvom de bedst prissatte boliger stadig f\u00e5r opm\u00e6rksomhed. Et klart budget g\u00f8r dit bud skarpere.<\/p>\n<h2>S\u00e5dan hj\u00e6lper Hansen Real Estate k\u00f8bere med korrekt budget<\/h2>\n<p>Vores rolle er ikke kun at \u00e5bne d\u00f8re. Det kan alle med en n\u00f8gle. Vi hj\u00e6lper k\u00f8bere med at sammenligne de fulde ejeromkostninger, f\u00f8r de forelsker sig for meget i den forkerte bolig. Det betyder samtale om skatter, juridiske tjek, udlejningsregler, l\u00e5netiming, f\u00e6llesudgifter og det praktiske liv omkring boligen.<\/p>\n<p>Fordi vi arbejder dagligt mellem Torre del Mar, V\u00e9lez-M\u00e1laga, Caleta de V\u00e9lez, Torrox, Nerja, Fuengirola og Benalm\u00e1dena, kan vi ogs\u00e5 tilf\u00f8je de sm\u00e5 lokale detaljer, der sj\u00e6ldent st\u00e5r i en skattemodel. Parkering n\u00e6r centrum af Torre del Mar i august. Forskellen p\u00e5 udsigt fra bjergskr\u00e5ning i Torrox og en g\u00e5afstand til stranden. Hvorfor Baviera Golf tiltr\u00e6kker bestemte k\u00f8bere \u00e5ret rundt. Hvor lang tid det faktisk tager fra M\u00e1laga Lufthavn til Torre del Mar \u2013 som regel 35\u201340 minutter i bil, n\u00e5r trafikken arter sig.<\/p>\n<p>Hvis du er ved at l\u00e6gge k\u00f8berbudget nu, s\u00e5 send os k\u00f8bspris, boligtype og \u00f8nsket omr\u00e5de. Vores team kan hj\u00e6lpe dig med at estimere det reelle k\u00f8berbudget, sammenligne gensalg og nybyggeri og vise dig boliger, der passer til tallene \u2013 ikke str\u00e6kker dem. Kontakt os f\u00f8r din n\u00e6ste besigtigelsestur, s\u00e5 regner vi tallene sammen med dig.<\/p>\n<h2>FAQ: Omkostninger ved boligk\u00f8b p\u00e5 Costa del Sol<\/h2>\n<h3>Hvor meget ekstra skal jeg budgettere ved boligk\u00f8b i Andalusien?<\/h3>\n<p>For en gensalgsbolig b\u00f8r du regne med ca. 10 % oveni k\u00f8bsprisen, nogle gange 11 % ved l\u00e5n eller ekstra juridisk kompleksitet. For nybyggeri er 12\u201313 % mere realistisk, da du betaler 10 % IVA plus 1,2 % AJD f\u00f8r notar, tinglysning og advokat.<\/p>\n<h3>Hvad er ITP ved boligk\u00f8b i Andalusien i 2026?<\/h3>\n<p>ITP, overdragelsesskatten ved gensalg, er generelt 7 % i Andalusien for almindelige boligk\u00f8b. Den g\u00e6lder for gensalgsboliger, ikke nybyggeri fra udvikler. Din advokat b\u00f8r ogs\u00e5 tjekke den officielle referencev\u00e6rdi f\u00f8r overtagelse.<\/p>\n<h3>Betaler k\u00f8bere moms ved boligk\u00f8b i Spanien?<\/h3>\n<p>K\u00f8bere betaler moms, kaldet IVA, ved k\u00f8b af nybygget bolig fra udvikler. Standardsatsen for nye boliger er 10 %. Gensalgsboliger er ikke underlagt IVA, men normalt ITP i stedet.<\/p>\n<h3>Er realkreditomkostninger medregnet i de 10\u201313 % k\u00f8berbudget?<\/h3>\n<p>Delvist. Det brede estimat d\u00e6kker normale k\u00f8bsomkostninger og skatter, men k\u00f8bere med l\u00e5n b\u00f8r regne med ekstra til vurdering, eventuelle bank- eller m\u00e6glergebyrer, overs\u00e6ttelser og bankadministration. Vi anbefaler som regel ca. 1 % ekstra luft, hvis der skal finansieres.<\/p>\n<h3>Kan jeg inkludere m\u00f8bler og udlejningsklarg\u00f8ring i k\u00f8bsbudgettet?<\/h3>\n<p>Nej. M\u00f8bler, udlejningsforberedelse, fotografering, licenstjek og administrationsopstart skal regnes separat. For investeringsejendomme i Torre del Mar, Nerja, Fuengirola eller Benalm\u00e1dena kan dette ekstra budget have stor betydning for dit reelle afkast.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Klar 2026-guide til boligk\u00f8bsomkostninger i Andalusien: ITP, IVA, AJD, advokatsal\u00e6r, realkredit og k\u00f8berbudget p\u00e5 Costa del Sol.<\/p>\n","protected":false},"author":1,"featured_media":29367,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[75],"tags":[527,663,119,661,662],"class_list":["post-31522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-location-guide","tag-costa-del-sol-bolig","tag-itp-andalusien","tag-kob-bolig-i-spanien","tag-omkostninger-bolig-andalusien","tag-spanske-boligskatter"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Omkostninger ved at k\u00f8be bolig i Andalusien 2026 Guide<\/title>\n<meta name=\"description\" content=\"F\u00e5 det fulde overblik over omkostninger ved at k\u00f8be bolig i Andalusien i 2026, inkl. 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