To buy a property in Girona you need a clear total budget (price plus 10–12% in taxes and fees), a mortgage assessed before you start viewing, the right area for your day-to-day life, and the property's paperwork checked before you sign the deposit contract. At AJ Grup we find the home and, with AJ Finances, we arrange the mortgage: one point of contact through to the notary.
1. How much you need saved
Banks usually lend up to 80% of the value of a main residence. On top of the deposit, allow 10–12% of the price for taxes and fees on a resale property. We break it down in our guide to the real costs of buying in Girona (in Catalan).
2. Taxes when buying in Catalonia
- Resale property: Property Transfer Tax (ITP), with reduced rates in some cases (young buyers, large families, people with disabilities, subject to requirements).
- New build: 10% VAT plus Stamp Duty (AJD).
- Notary, Land Registry and processing agent, with regulated fees.
3. Which areas of Girona to look in
Each area has its own profile: Montilivi (quiet, near the university, flats with terraces), the Eixample (services and the AVE high-speed station), the Barri Vell (historic, one-of-a-kind homes), Santa Eugènia and Sant Narcís (more affordable, popular with first-time buyers) or Palau (residential, houses with gardens). See our neighbourhood guides in English.
4. The steps, in order
- Financing assessment with AJ Finances: you know your real budget before viewing.
- Search and viewings, including homes that are not yet on the portals.
- Review of the Land Registry extract, charges, community of owners and property tax (IBI).
- Negotiation and deposit contract (contrato de arras).
- Valuation, binding offer from the bank and signing at the notary.
Not sure where to start? Tell us what you are looking for and we will let you know before it goes on the portals.
What percentage will the bank finance for a property in Girona?
For a main residence, usually up to 80% of the valuation or the price (whichever is lower). There are publicly backed guarantee schemes for young buyers that can go higher; we assess it for your profile. Non-residents are typically offered 60–70%.
How much are the purchase costs?
As a guide, between 10% and 12% of the price on a resale property, mostly the transfer tax (ITP).
Do you help with the mortgage?
Yes. AJ Finances, our financial division, assesses your profile and negotiates with several banks to get you the best terms.
Do you charge the buyer?
It depends on the transaction; we always agree it in writing before we start, with no surprises.
Shall we start looking?
Tell us what you are looking for and we will tell you your real budget.
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