{"id":27282,"date":"2025-05-08T15:37:44","date_gmt":"2025-05-08T13:37:44","guid":{"rendered":"https:\/\/www.totgestioinmobiliaria.com\/?p=27282"},"modified":"2025-05-08T15:45:32","modified_gmt":"2025-05-08T13:45:32","slug":"catalonia-tax-reform-2025-what-you-need-to-know-if-youre-buying-or-investing-in-property","status":"publish","type":"post","link":"https:\/\/www.totgestioinmobiliaria.com\/en\/catalonia-tax-reform-2025-what-you-need-to-know-if-youre-buying-or-investing-in-property\/","title":{"rendered":"Catalonia Tax Reform 2025: What You Need to Know If You&#8217;re Buying or Investing in Property"},"content":{"rendered":"<p data-pm-slice=\"1 1 []\">On March 26, 2025, the Official Gazette of the Government of Catalonia published a new law that changes some of the most important tax rules for those buying, inheriting, or renting property in Catalonia. This reform mainly affects real estate investors, property owners, and young people looking for their first home.<\/p>\n<p>At Tot Gesti\u00f3 Immobili\u00e0ria, specialists in property sales, tax advice, and rentals on the Costa Brava, we explain the most important changes in a simple way:<\/p>\n<h2>Important Changes If You Want to Buy Property in Catalonia<\/h2>\n<h4>New Tax When Buying a Property (ITP)<\/h4>\n<p>If you buy a property, these are the new rates you&#8217;ll have to pay:<\/p>\n<ul data-spread=\"false\">\n<li>Up to \u20ac600,000: you&#8217;ll pay 10%<\/li>\n<li>From \u20ac600,000 to \u20ac900,000: you&#8217;ll pay 11%<\/li>\n<li>From \u20ac900,000 to \u20ac1,500,000: you&#8217;ll pay 12%<\/li>\n<li>Over \u20ac1,500,000: you&#8217;ll pay 13%<\/li>\n<\/ul>\n<p>If you own many properties (more than 10 homes or over 1,500 m\u00b2 built), you&#8217;ll pay 20% instead of the standard rate. This also applies if you own 5 or more homes in areas with high housing demand.<\/p>\n<p>If you buy with the intention of converting buildings into protected housing (e.g., social rent), you&#8217;ll receive a 50% tax discount.<\/p>\n<p>Good news for young people and victims of gender-based violence: if you&#8217;re buying your main home, you&#8217;ll only pay 5%.<\/p>\n<h4>Notary Fees and Paperwork (AJD)<\/h4>\n<p>If you&#8217;re under 35 and earn less than \u20ac36,000 per year, you won\u2019t pay anything for the public deed of your main home.<\/p>\n<h3>Changes If You Receive an Inheritance or a Donation<\/h3>\n<p>If you receive money as a gift to buy your main home, you now have up to 6 months to use it (previously it was just 3).<\/p>\n<p>If you inherit from someone who died due to gender-based violence, you\u2019ll get a 99% tax reduction.<\/p>\n<p>There will also be discounts if you are given a home and have been a victim of gender-based violence.<\/p>\n<h3>Changes in Personal Income Tax (IRPF) Affecting Owners and Tenants<\/h3>\n<p>The tax scale is simplified: it goes from 9 to 8 brackets, with reduced rates for lower incomes.<\/p>\n<p>If you&#8217;re renting, these are the improvements:<\/p>\n<ul data-spread=\"true\">\n<li>You can apply for deductions if you earn up to \u20ac30,000\/year (previously \u20ac20,000).<\/li>\n<li>The maximum deductible amount increases to \u20ac500.<\/li>\n<li>It is no longer necessary for the rent to exceed 10% of your income.<\/li>\n<li>You can now deduct up to age 35 (previously lower).<\/li>\n<li>A specific deduction is added for victims of gender-based violence.<\/li>\n<\/ul>\n<h3>When Do These Changes Take Effect?<\/h3>\n<p>The new tax law has been in force since March 27, 2025.<\/p>\n<p>In cases of inheritance, donations, and property purchases, there will be a 3-month adaptation period for banks and the tax agency to update their systems.<\/p>\n<div><strong>Conclusion<\/strong><\/div>\n<p>Catalonia\u2019s new tax reform brings interesting benefits for young people, victims of gender-based violence, and those investing in protected housing. It also increases the tax burden on large property holders and high-value properties.<\/p>\n<p>At Tot Gesti\u00f3 Immobili\u00e0ria, we help you understand how these changes might affect you if you\u2019re planning to buy, sell, or rent a home on the Costa Brava or nearby areas. Contact us for personalized advice and to make the most of the new tax conditions.<\/p>\n<p><em>Tot Gesti\u00f3 Immobili\u00e0ria: your trusted agency for buying, selling, renting, and property management on the Costa Brava.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On March 26, 2025, the Official Gazette of the Government of Catalonia published a new law that changes some of the most important tax rules for those buying, inheriting, or renting property in Catalonia. This reform mainly affects real estate investors, property owners, and young people looking for their first home. At Tot Gesti\u00f3 Immobili\u00e0ria, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":27276,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-27282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Catalonia Tax Reform 2025: Key Property Updates<\/title>\n<meta name=\"description\" content=\"Discover how Catalonia\u2019s 2025 tax reform affects buying, renting, and inheriting property. 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