Resale · Villa · Nerja

Villa with sea views in Nerja

€980,000

Bedrooms: 4
Bathrooms: 3
Built area: 280 m²
Plot: 900 m²
Pool: Private · 35 m²
Sea views: Yes
Beach: 1.5 km
Airport: 51 min (AGP)
Orientation: S
Energy rating: D
Year built: 2003
IBI (property tax): €1,176 / year

Resale: villa with 4 bedrooms and 3 bathrooms, 280 m² built on a 900 m² plot. Private pool. The beach is 1.5 km away.

Fireplace
Guest house
Fruit trees

Cadastral reference

1142542YH5018S0019SH

Nota simple (land registry extract)

Checked on 8/20/2026

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

€82,187

8.39% of the price

Total investment€1,062,187

Cost breakdown
Item	Amount
Taxes
Transfer tax (ITP)	€68,600
Fees
Notaryestimateincl. VAT	€1,116
Land registryestimateincl. VAT	€463
Lawyerestimateincl. VAT	€11,858
NIE and bank accountestimate	€150

Rates effective from 4/27/2021 · 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% · €343,000

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

€3,727

per month, interest and repayment

Loan amount: €637,000
Loan-to-value: 65%
Total interest: €257,518
Net income needed per month: €10,649

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

Estimated rental yield

6.07%

net per year (indicative)

Average weekly rent: €3,367
Weeks let per year: 26
Gross income: €87,542 · 8.93%
Net after costs: €59,454

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.