New build · Villa · Finestrat

Villa with sea views in Finestrat

€640,000

Bedrooms: 3
Bathrooms: 3
Built area: 190 m²
Plot: 600 m²
Pool: Private · 32 m²
Sea views: Yes
Beach: 3.5 km
Airport: 38 min (ALC)
Golf course: 2 km
Orientation: SE
Energy rating: A
Year built: 2026
IBI (property tax): €768 / year

New build: villa with 3 bedrooms and 3 bathrooms, 190 m² built on a 600 m² plot. Private pool. The beach is 3.5 km away.

Solar panels
Underfloor heating

Cadastral reference

1079190YH5010S0011KP

Nota simple (land registry extract)

On request

Purchase costs for this home

Purchase price

€100,000€5,000,000

Region

Property type

ResaleNew build

Tax status

Non-residentSpanish resident

With a Spanish mortgage

ExtrasSworn translationPower of attorney (sign from home)

Total purchase costs

€82,227

12.85% of the price

Total investment€722,227

Cost breakdown
Item	Amount
Taxes
VAT (IVA) 10%	€64,000
Stamp duty (AJD)	€8,960
Fees
Notaryestimateincl. VAT	€993
Land registryestimateincl. VAT	€380
Lawyerestimateincl. VAT	€7,744
NIE and bank accountestimate	€150

Rates effective from 6/1/2026 · Indicative calculation, not tax or legal advice. Rates are being verified by a Spanish gestor; reduced rates (e.g. for young buyers or main residences) are not applied.

Financing

Estimate your monthly payment with a Spanish mortgage. We introduce you to the right mortgage adviser.

Purchase price (€)

Your own funds35% · €224,000

Banks usually lend non-residents up to 60–70%: plan for at least 30% of your own money plus ±10–13% purchase costs.

Interest rate (fixed, per year)3.6%

Term20 years

Monthly payment

€2,434

per month, interest and repayment

Loan amount: €416,000
Loan-to-value: 65%
Total interest: €168,174
Net income needed per month: €6,954

Indicative calculation, not an offer. Banks assess income, age and property individually; rates change.

Estimated rental yield

4.82%

net per year (indicative)

Average weekly rent: €2,148
Weeks let per year: 22
Gross income: €47,256 · 7.38%
Net after costs: €30,856

Holiday letting needs a tourist licence; this home does not have one (yet).

Estimate based on area, type, location and pool, after management, cleaning, IBI, community fees and utilities. Not a guarantee.

Let us manage the rental

What could this home earn?

Many buyers let their home when they are not using it. Alongside is a cautious estimate of the yield from holiday letting. If you wish, we take care of the licence, the guests and the management.