SE → ES
İspanya'da mülk almak — İsveçli vatandaşı olarak
Sweden is in the EU, so a Swedish buyer faces none of the visa or surcharge hurdles a non-EU buyer hits in Spain — you can live there freely and you are taxed at the favourable 19% non-resident rate with deductions. The real variables are the regional transfer tax, the SEK→EUR exchange rate over a multi-year hold, and the tightening short-let licence rules on the costas where most Swedes buy.
Last updated:
1. You can buy — and live there — freely
As an EU citizen you can purchase any Spanish property with no nationality restriction, and reside in Spain under EU freedom of movement. Spain abolished its golden visa in April 2025, but that is irrelevant to you: Swedes never needed it. After 90 days you simply register as an EU resident (certificado de registro de ciudadano de la UE) and get a green residence certificate. You will need a NIE (foreigner's tax number) before completing any purchase.
2. The 19% rate and deductions are a real EU advantage
Non-resident rental income (IRNR) is taxed at 19% for residents of the EU/EEA — and crucially you may deduct expenses (mortgage interest, IBI, community fees, repairs, depreciation) before the 19% applies. A non-EU owner pays 24% on gross rent with NO deductions. As a Swede you keep the EU treatment, which often halves the effective tax on a rented costa apartment.
3. Transfer tax depends entirely on the region
On a resale, the ITP transfer tax ranges from ~6% (Madrid) to ~10% (Valencian Community / Catalonia) — and the Costa Blanca (Valencia, 10%) and Costa del Sol (Andalucía, 7%) are where most Swedish buyers look. A new-build instead carries 10% IVA + ~1.2% AJD stamp duty. Add notary, registry and an independent lawyer (~2-3% combined). Budget roughly 10-13% all-in on top of the price.
4. Imputed tax even if you never rent it
Spain charges non-residents an imputed income tax on a second home that is not rented: roughly 1.1-2% of the cadastral value, taxed at 19%. It is small (often €150-400/year on a typical apartment) but it must be declared annually via Modelo 210 — many Swedish owners miss this and accrue penalties.
5. Mortgage and SEK→EUR exposure
Spanish banks lend to EU non-residents at roughly 60-70% LTV at competitive euro rates. But your income and deposit are in kronor: a 10% SEK depreciation against the euro between reservation and completion can wipe out a year's worth of rental yield. Many Swedish buyers fix the FX rate with a forward contract through a currency broker once the price is agreed.
6. Short-let licensing on the costas is tightening
If you plan to let the property to tourists, you need a regional tourist-licence: VFT in Andalucía, a registration number in the Valencian Community, and stricter community-of-owners consent rules since 2024. Some buildings now vote to ban short lets entirely. Confirm the licence and the community statutes before you assume rental income.
Sıkça sorulanlar
Do Swedish citizens need a visa or golden visa to buy in Spain?
No. As an EU citizen you buy freely and live in Spain under freedom of movement — registering as an EU resident after 90 days. Spain ended its golden visa in 2025, but Swedes never required it.
What tax rate do I pay on rental income?
19%, the EU/EEA non-resident rate, and you can deduct expenses (mortgage interest, IBI, community fees, repairs) first — a real advantage over the 24%-on-gross rate non-EU owners pay. Declared via Modelo 210.
What's the biggest hidden cost?
Two: the regional ITP transfer tax (up to 10% on the Costa Blanca) and SEK→EUR exchange risk over the hold. The annual imputed-income tax on a non-rented home is small but must still be filed.
İlgili rehberler
Bir dosya çalıştır
Bir mülkü analiz et →