Buying properties in Malaga. Legal & Tax tips and process

Table of Contents

General information

 

The city of Malaga

 

Malaga is a vibrant city located in southern Spain, on the Mediterranean coast known as the Costa del Sol. Known for its rich history,

Malaga is one of the oldest cities in the world, with origins dating back to 770 BC, when it was founded by the Phoenicians.

It is a city with a rich culture and an important contribution to the arts, notably being the birthplace of the famous artist Pablo Picasso.

The city is famous for its beautiful beaches, lively nightlife and delicious cuisine, particularly seafood. Malaga also boasts numerous historical and architectural monuments, such as the Alcazaba, a fortified palace of Arab origin, and Malaga Cathedral, a Renaissance church.

In recent years, Malaga has become a centre for technology and innovation, further diversifying its economic base beyond tourism and agriculture. The city’s pleasant climate, with mild winters and warm summers, makes it a popular destination for both tourists and expats.

Of course! Malaga!, in the Andalusian region of Spain, offers a rich tapestry of cultural and historical experiences:

  1. Cultural heritage: Malaga’s history encompasses Phoenician, Roman and Arab influences, evident in its architecture and museums. The city is proud of its most famous son, Pablo Picasso, whose works are on display at the Picasso Museum.
  2. Architecture: Among the main attractions are the Roman Theatre and the impressive Gibralfaro Castle, which offers panoramic views of the city.
  3. Festivals: Malaga is famous for its lively festivals, including the Feria de Malaga, a week-long celebration of music, dancing and traditional costumes.
  4. Gastronomy: The city’s culinary offerings are a mix of traditional Andalusian flavours and modern cuisine, with tapas bars and seafood restaurants dotted throughout the streets.
  5. Beaches and outdoor activities: Malaga’s location on the Costa del Sol offers beautiful beaches and outdoor activities such as golf, hiking and water sports.
  6. Art and cinema: In addition to the Picasso Museum, the Pompidou Centre Malaga and the Carmen Thyssen Museum also attract art lovers.
    The city also hosts the Malaga Film Festival, which showcases Spanish cinema.
  7. Climate: With a Mediterranean climate, Malaga offers mild winters and warm summers, ideal for visiting all year round.
 
 

Neighbourhoods of Malaga city

 

Malaga, a diverse and extensive city, is divided into several distinct areas, each with its own character and attractions:

  1. Historic Centre
    (Centro Histórico)    : The heart of the city, where you will find historical monuments such as the Cathedral and the Picasso Museum.
  2. La Malagueta: A popular beach area known for its promenade and bullring.
  3. Pedregalejo: Another beach area, popular for its nightlife and traditional fish bars.
  4. Soho: The city’s artistic quarter, known for its street art and contemporary galleries.
  5. Teatinos: A residential area, where the University of Malaga is also located.
  6. El Limonar: An upmarket neighbourhood with large villas and gardens.
  7. Churriana: A neighbourhood known for its historic buildings and proximity to the airport.
 

Why Malaga?

 

Choosing Malaga as a place to live offers numerous advantages:

  1. Pleasant climate: Malaga enjoys a mild Mediterranean climate, with warm summers and mild winters.
  2. Rich culture and history: The city has a vibrant history, which is reflected in its architecture, museums and festivals.
  3. Beaches and outdoor lifestyle: With its stunning coastline, Malaga is ideal for beach lovers and offers a variety of outdoor activities.
  4. Growing economy: The city is experiencing economic growth, especially in the technology and tourism sectors.
  5. Gastronomy: Known for its delicious cuisine, especially its seafood.
  6. Healthcare and education: Malaga offers quality healthcare services and good educational institutions.
  7. Accessibility: The city is well connected thanks to an international airport and public transport.
  8. Community: There is a very welcoming expat community, which makes it easy for newcomers to settle in.
 

Malaga vs Alicante

Choosing between Malaga and Alicante as a place to live depends on personal preferences and lifestyle needs:

Malaga:

  • Rich cultural heritage with historical monuments.
  • Renowned art scene, birthplace of Picasso.
  • Vibrant culinary scene, especially seafood.
  • Growing economic centre, especially in technology.
  • Mild Mediterranean climate.

Alicante:

  • Known for its beautiful beaches and crystal-clear waters.
  • Smaller, more manageable city.
  • Lively festivals, such as the famous bonfires of San Juan.
  • Proximity to other towns on the Costa Blanca.
  • Slightly drier climate than Malaga.

Both cities offer a high quality of life, beautiful beaches and a warm climate, but Malaga has a richer cultural scene, while Alicante offers a more relaxed lifestyle and is a little smaller and potentially less crowded.

Malaga vs Madrid

Choosing between Malaga and Madrid to live depends on personal preferences and priorities:

Malaga:

  • Coastal city with beaches and a Mediterranean climate.
  • Relatively smaller and less crowded than Madrid.
  • Rich in cultural heritage and art (birthplace of Picasso).
  • Growing technology hub with a focus on innovation.
  • Popular for its seafood and Andalusian cuisine.

Madrid:

  • Capital of Spain, offering a cosmopolitan and vibrant urban experience.
  • Rich in history, art and culture, with world-renowned museums.
  • Diverse culinary scene with a wide variety of international cuisines.
  • Larger job market with more diverse opportunities.
  • Inland location with a continental climate, with hot summers and cold winters.

    Malaga offers a relaxed, coastal lifestyle focused on innovation, while Madrid offers a bustling urban experience with greater cultural and professional opportunities.

    Malaga vs Barcelona

    When comparing Malaga and Barcelona as places to live, it is important to consider different aspects of lifestyle:

    Malaga:

    • Coastal city with a relaxed Mediterranean atmosphere.
    • Smaller and generally less crowded than Barcelona.
    • Rich cultural heritage, especially in the arts (birthplace of Pablo Picasso).
    • Warmer and milder climate throughout the year.
    • Growing technology and innovation sectors.

    Barcelona:

    • Major global city known for its unique architecture (the works of Gaudí) and cultural wealth.
    • Larger and more cosmopolitan, with a very diverse international community.
    • Offers a vibrant art, music and culinary scene.
    • More crowded, with more tourists and a higher cost of living.
    • Mediterranean climate, but can be colder than Malaga in winter.

Malaga offers a more relaxed, beach-centric lifestyle, while Barcelona offers a dynamic, culturally rich urban experience.

Malaga vs Marbella

Malaga:

  • Larger city with a diverse population and a more urban atmosphere.
  • Rich cultural heritage, including historical sites and museums.
  • Broader economic base with more diverse job opportunities.
  • Offers a mix of urban and beach lifestyles.

Marbella:

  • Smaller and more exclusive, known for its luxurious lifestyle and high-end services.
  • Popular with wealthy expats and celebrities.
  • More focused on tourism and real estate.
  • Offers a quieter, resort-like atmosphere.

Malaga offers a balance between cultural richness and urban life, while Marbella is known for its luxurious lifestyle and resort atmosphere.

Malaga vs Javea (Alicante)

Malaga:

  • A larger, more urban city with a rich cultural and historical background.
  • Diverse job opportunities and a growing economy, especially in the technology sector.
  • A vibrant arts scene, museums and historical monuments.
  • A mix of urban living and seaside relaxation.

Jávea:

  • A smaller, quieter coastal town on the Costa Blanca.
  • Known for its stunning beaches and natural beauty, including the Montgó Natural Park.
  • A more relaxed lifestyle, appealing to retirees or those seeking a quieter pace of life.
  • Limited job opportunities compared to a larger city such as Malaga.
  • Malaga offers a balance between cultural richness and urban activity, while Jávea is ideal for those seeking a quiet and picturesque coastal setting.

Malaga vs Palma de Mallorca

Malaga:

  • A bustling city known for its rich cultural and artistic heritage (birthplace of Picasso).
  • Offers a mix of city life and beachside relaxation with a warm Mediterranean climate.
  • Growing economy, especially in the technology sector.
  • A mix of historical and modern attractions.

Palma de Mallorca:

  • Capital of the Balearic Islands, known for its stunning Mediterranean beauty.
  • Offers a unique island lifestyle with beautiful beaches and a relaxed pace.
  • Rich in history, with impressive architecture such as Palma Cathedral.
  • A very popular tourist destination, which can make it very crowded but also very lively.
  • Both cities offer a Mediterranean climate and coastal living, but Malaga has a more urban and culturally diverse environment, while Palma offers an island lifestyle with the unique charm of the Balearic Islands.

Working and living in Malaga

 
  1. Dynamic work environment: The city’s economic growth in the technology sector attracts professionals and entrepreneurs. It is increasingly becoming a hub for start-ups and innovation.
  2. Cultural diversity: Malaga’s historical roots and influx of expats contribute to a multicultural environment.
    This diversity is reflected in its cuisine, festivals and social life.
  3. Educational opportunities: The presence of the University of Malaga and several international schools offers quality educational options.
  4. Work-life balance: Malaga’s lifestyle is a blend of traditional Spanish life and modern comforts. The pace of the city is generally relaxed, offering a good balance between work and leisure.
  5. Community involvement:
    Community events, local markets and neighbourhood associations offer opportunities for social involvement and cultural immersion.
  6. Property market: Malaga’s property market caters to a wide range of preferences, from beachfront properties to urban apartments.
 
 
 

Job and employment opportunities in Malaga

 

The job market in Malaga offers a wide variety of opportunities, especially for expats, in several key sectors:

  • Tourism sector: Tourism is an important industry in Malaga, attracting around six million tourists a year.
    Jobs in hospitality, tourist services and entertainment venues are plentiful, especially during the high season.
  • English-speaking services: There is a high demand for English-speaking professionals in areas related to the expat community. Opportunities are available in bars, restaurants and as freelancers, for example, cleaners, hairdressers or plumbers. English teachers, especially those teaching as a second language, find numerous opportunities in Malaga. This includes work in international schools, private language academies and private lessons.
    The demand for English teaching is high among both locals and expats.
 
 

Cost of living in Malaga (2024)

 
  • General expenses: For a family of four, estimated monthly expenses are approximately £2,382.2, excluding rent. The estimated monthly expenses for a single person are around €685.9, excluding rent.
  • Accommodation: Rent for a one-bedroom apartment in the city centre costs an average of €872.73, while outside the centre it is around €678.75.
    A three-bedroom apartment in the city centre costs around €1,510.36 per month, and outside the city centre, it costs approximately €1,127.27.
  • Food and groceries: Everyday essentials, such as a loaf of fresh white bread, cost around €0.85, and a litre of milk costs around €3.39.
    Eating out is also quite affordable, with an average price of €11.50 per meal in an inexpensive restaurant.
  • Utilities and internet: Basic utilities for an average flat cost around £130 per month, and internet services are around £26 per month.
  • Leisure activities: A monthly gym membership costs around £35, and a cinema ticket costs around £7.
 

Healthcare system in Malaga

 
  • Public and private healthcare: Malaga has both a public and private healthcare system. The public system (Servicio Nacional de Salud, SNS) is well equipped and is used for serious medical emergencies and major surgery.
    Many expats and foreigners also opt for private healthcare for specialist care.
  • Emergency services: Ambulance services are available and can be accessed by dialling 112.
    The response is usually quick, although there may be delays depending on the situation.
 

In summary, Malaga offers a balance between a culturally rich environment, a relaxed coastal lifestyle and the amenities of a modern city, all at a relatively affordable price. The city’s healthcare system is robust and offers both public and private options to meet different needs. This combination makes Malaga an attractive destination to live and work.

Malaga City Immigration Office: NIE, visas, permits, etc.

 

The Malaga Foreigners’ Office, which is responsible for processing various immigration-related procedures, is located at Calle Mauricio Moro Pareto, 13. This office moved to its current location on 21 July 2015. It offers a wide range of services, including the processing of penalties related to immigration matters that were previously handled at the Edificio de la Caleta, in the Subdelegación del Gobierno (Government Sub-delegation).

Contact information:

  • Address: Calle Mauricio Moro Pareto, 13, 29006 – Málaga.
  • Telephone: +34 952 98 95 00 and +34 952 98 96 02.
  • Email address: infoextra.malaga@seap.minhap.es
  • Fax number: +34 95 298 95 47.
  • Opening hours: Monday to Friday, from 9:00 to 14:00.

The Malaga Foreigners’ Office is responsible for various procedures, including:

  • Temporary residence and work permits (and renewals).
  • Temporary residence for self-employed workers (and renewals).
  • Temporary residence for transnational service providers (and renewals).
  • Temporary residence for research (and renewals).
  • Various types of work permits for residents.
  • Extensions of short-term stays.
  • Temporary residence permits for cultural reasons (and renewal).
  • Family reunification procedures.
  • Procedures for establishing roots and other exceptional circumstances.
  • Long-term residence permits, including for EU citizens.
  • Permits for studies, student mobility, internships and volunteering.
  • Modifications to the conditions of foreigners in Spain.
  • Residence permits for minors and related procedures.
  • Visas for the adoption of foreign minors.
  • Repatriation of unaccompanied foreign minors.
  • Residence cards for family members of EU citizens.
  • Procedures related to expulsions, returns and appeals.
  • This office plays a fundamental role for expatriates and foreigners in Malaga, offering essential services for legal residence and work in Spain.

What are the best banks in Malaga?

  1. Banco Santander
  • One of the largest banks in Spain, known for its extensive network of branches and ATMs.
  • Offers a wide range of banking products and services, including personal and business banking, online banking and investment services.
  1. BBVA (Banco Bilbao Vizcaya Argentaria)
  • Another major Spanish bank with a strong presence in Valencia.
  • Known for its user-friendly online banking platform and wide range of services.
  1. CaixaBank
  • One of Spain’s leading financial institutions, renowned for its customer service.
  • Offers a wide range of banking products, including innovative digital banking solutions.
  1. Bankia
  • It has a significant presence in Valencia and offers a variety of banking services for individuals and businesses.
  • Known for its efficient online banking services.
  1. Sabadell Bank
  • Offers a wide range of banking services and is known for its good treatment of expatriates and English-speaking customers.
  • Offers personal, business and private banking services.
  1. ING
  • Dutch multinational bank, popular for its hassle-free online banking services.
  • Known for its competitive savings accounts and no fees for basic services.
  1. Kutxabank
  • A smaller regional bank offering personalised services.
  • May offer advantages for local residents or specific groups.
 
 

Connecting flights from Malaga Airport

 

Malaga Airport (AGP) offers a wide range of domestic and international flight connections operated by numerous airlines. Here is a complete list:

Domestic flights from Malaga Airport (summer 2024)

  1. Barcelona (Vueling, Ryanair)
  2. Bilbao (Vueling, Volotea)
  3. Ceuta (Hélity)
  4. Gran Canaria (Vueling, Ryanair)
  5. Ibiza (Ryanair)
  6. Lanzarote (Vueling, Ryanair)
  7. Madrid (Air Europa, Air Nostrum, Iberia, Iberia Express)
  8. Melilla (Air Nostrum)
  9. Menorca (Ryanair)
  10. Oviedo (Vueling, Volotea)
  11. Palma de Mallorca (Vueling, Ryanair)
  12. Santander (Ryanair)
  13. Santiago de Compostela (Vueling, Ryanair)
  14. Tenerife North (Vueling)
  15. Tenerife South (Ryanair)
  16. Valencia (Ryanair, Air Nostrum)
  17. Vitoria (Ryanair).

International flights from Malaga Airport (summer 2024)

  • Austria: Vienna (Austrian Airlines, Ryanair, Wizz Air Hungary)
  • Belgium: Antwerp, Brussels, Liège, Ostend (Tui Fly Belgium, Brussels Airlines, Vueling, Ryanair)
  • Bulgaria: Sofia (Bulgaria Air, Ryanair, Wizz Air Hungary)
  • Canada: Montreal (Air Transat)
  • Czech Republic: Prague (Eurowings, Smartwings, Ryanair)
  • Croatia: Zagreb (Ryanair)
  • Denmark: Aalborg, Aarhus, Billund, Copenhagen (Norwegian Air Shuttle, Ryanair, Vueling, Scandinavian Airlines System)
  • Estonia: Tallinn (Air Baltic)
  • Finland: Helsinki (Finnair, Norwegian Air Shuttle), Tampere (Air Baltic)
  • France: Bordeaux, Lyon, Marseille, Paris (Ryanair, Transavia, Vueling, Air France, Easyjet Europe)
  • Germany: Several cities, including Berlin, Cologne, Düsseldorf, Frankfurt, Hamburg and Munich (Easyjet Europe, Ryanair, Eurowings, Lufthansa)
  • Hungary: Budapest (Wizz Air Hungary, Ryanair)
  • Ireland: Cork, Dublin, Shannon, Knock (Ryanair, Aer Lingus)
  • Italy: Bologna, Milan, Naples, Pisa, Rome, Treviso, Turin (Ryanair, Easyjet Europe, Vueling)
  • Latvia: Riga (Ryanair, Air Baltic)
  • Lithuania: Kaunas (Ryanair)
  • Luxembourg: Luxembourg (Luxair)
  • Morocco: Casablanca, Fez, Marrakesh, Nador, Rabat, Tangier, Tetouan (Air Arabia Morocco, Ryanair, Vueling, Royal Air Maroc)
  • Netherlands: Amsterdam, Eindhoven, Rotterdam (Easyjet Europe, Corendon Dutch Airlines B.V., K.LM. Royal Dutch Airlines, Vueling, Transavia, Ryanair)
  • Norway: Bergen, Haugesund, Oslo, Stavanger, Trondheim (Norwegian Air Shuttle, Ryanair, Scandinavian Airlines System)
  • Poland: Krakow, Warsaw, Wroclaw (Ryanair, Wizz Air Hungary)
  • Portugal: Lisbon, Porto (TAP Portugal, Easyjet, Ryanair)
  • Romania: Bucharest, Cluj-Napoca (Blue Air Aviation, Wizz Air Hungary)
  • Serbia: Belgrade (Air Serbia)
  • Sweden: Stockholm, Gothenburg (Ryanair, Norwegian Air Shuttle, Scandinavian Airlines System, Eurowings)
  • Switzerland: Basel, Geneva, Zurich (Easyjet Switzerland, Swiss International Air Lines, Vueling)
  • Turkey: Istanbul (Turkish Airlines)
  • United Kingdom: Several cities, including Belfast, Birmingham, Bristol, Cardiff, Edinburgh, Glasgow, London, Manchester and Newcastle (Jet2.com, Easyjet, Ryanair, Tui Airways, British Airways, Vueling, Wizz Air UK).
 

International schools in the city of Malaga

  1. Sunny View School: Located in Torremolinos, Sunny View School is an international school offering education based on the British curriculum.
  2. British School of Malaga:
    Since 2018, a private school that teaches according to the British education system.
  3. Colegio Noruego. Located in Benalmádena, it offers students the Scandinavian education system.
  4. George’s School Málaga: St. George’s School in Málaga offers education based on the British system and welcomes students from nursery school to secondary school.
  5. Lycée Français de Málaga: This is a French international school in Málaga that offers education following the French curriculum.
  6. Colegio Sueco (Swedish School): The Swedish School is located in Fuengirola and offers education based on the Swedish curriculum.

What universities are there in Malaga?

Valencia has several prestigious universities and higher education centres. Below is an overview of some of the main universities in Malaga:

University of Malaga

  • Founded in 1972, with over 40,000 students
  • Offers a wide range of undergraduate and postgraduate programmes in various faculties, including Humanities, Sciences, Social Sciences and Medicine.
 

Private universities and business training centres

 

Higher School of Commercial Management and Marketing (ESIC)

This institute is renowned, especially for its MBA programme, which is ranked among the best by Bloomberg Business.

It offers degrees in Marketing and Digital Business, as well as a variety of master’s degrees in administration, technology, sales and finance.

Higher School of Business Studies (ESESA)

This institution provides business training through degrees, master’s degrees and vocational training courses in economics, marketing, communication and technology, among other subjects. In Malaga, ESESA has a campus where it offers programmes such as a master’s degree in Big Data and Data Engineering and a Global MBA.

Autonomous School of Business Management (EADE)

Offers official bachelor’s and master’s degrees in areas such as business administration, advertising, design and physical education.

Marbella International University Centre (MIUC)

Offers bachelor’s and master’s degrees in English, specialising in international relations, business, communication and marketing. It is known for its multicultural and practical approach to teaching.

San Telmo Business School

With campuses in Malaga and Seville, it is one of the most prestigious business schools in Spain. It offers advanced training to entrepreneurs and executives, with a practical and up-to-date approach to business administration.

List of consulates and embassies in the city of Malaga

Consulate of Finland

Calle Córdoba, 6 Planta 4ª, oficina 401 – Málaga

+34 952 21 24 35

Consulate of Costa Rica

Victoria, nº 23, Bajo – Málaga

+34 610 70 44 01

Consulate of Canada

Pl. de la Malagueta, 2 · Málaga

+34

Consulate of the Republic of Austria

Alameda de Colón, 26, 2º izquierda · Málaga

+

Honorary Consulate of Chile

José Denis Belgrano, 19, 1º · Málaga

+34 952 21 14 14

Consulate of Germany

Mauricio Moro Pareto, 2 · Málaga

+34 952 36 39 58
Consulate of Monaco
Calle Arquitecto Blanco Soler, 6 · Málaga

+34 952 21 29 42

Consulate of the Republic of Brazil

Pl. de la Malagueta, 2 · Málaga

+34 952 21 10 69

Consulate of Paraguay

Avenida de Manuel Agustín Heredia, Nº 14, 1º Piso derecha · Málaga

+34 952 04 17 29

Consulate of Denmark

Córdoba, 6 · Málaga

+34 952 21 17 97

Consulate of the Republic of Armenia

Teseo, 12 – Málaga

+34

Consulate of the Republic of Poland

Av. de José Ortega y Gasset, 112 – Málaga

+34

Consulate of Panama

Cmo de S. Rafael

+ 34 · 952 35 98 06

British Consulate

Calle Mauricio Moro Pareto 2, Edificio Eurocom · Málaga

+

Consulate of Uruguay

Octavio Picón, 24, Málaga

+

Consulate of the Kingdom of Saudi Arabia

Mauricio Moro Pareto, 2 · Málaga

+34 952 06 29 46

Consulate of Portugal

Cañizares, 15 · Málaga

+34 952 34 76 77

Honorary Consulate of France

chfrance@icloud.com

C. Salvago, 2, Planta 4 – 1° izquierda – Málaga

Consulate of Sweden

Córdoba, 6 · Málaga

+34 952 60 43 83

Consulate of Slovakia

Flauta Mágica, 22 · Málaga

+34 952 22 33 10

Consulate of the Dominican Republic

Calle Dr. Manuel Pérez Bryan, 1 Málaga

Consulate of Ukraine in Málaga

Maestranza, 23, 1º Derecha · Málaga

+34

Consulate of the Republic of Haiti

Lugar Monte Miramar, 10 · Málaga

+

Consulate of Hungary in Málaga

Huéscar, 2 · Málaga

+34 951 27 16 72

Philippine Consulate

Marín García, 5 · Málaga

+34

Consulate of Ecuador

Compositor Lehmberg Ruiz, 10, 2º, Of. 10, Málaga

+34

Consulate of the Netherlands

Av. Palma de Mallorca, 57, 29620 Torremolinos, Málaga

+ 34 952 38 08 88

Official Chambers of Commerce in Malaga

Official Chamber of Commerce, Industry and Navigation of the Province of Malaga

Calle Cortina del Muelle, 23, 29015 Malaga

+34 952 21 16 73

Buy, invest or rent a property in Malaga

Types of construction in the city of Malaga

The city of Málaga, with its rich history and modern development, offers a wide variety of building types:

  1. Historic buildings: The city centre is dotted with historic buildings that reflect Málaga’s Moorish past and subsequent Christian influences.
    Among the most notable examples are the Alcazaba, a Moorish fortress, and Malaga Cathedral, which combines Renaissance and Baroque styles. These structures are designed to keep cool in the hot Mediterranean climate.
  2. Resorts and hotels: Along the Costa del Sol, numerous resorts and hotels reflect contemporary architectural styles, focusing on luxury and comfort.
  3. Cultural and educational buildings: Malaga has invested in cultural infrastructure, including museums (such as the Picasso Museum), theatres and educational institutions, which often combine elements of modern and historical design.
  4. Industrial architecture: The city’s industrial areas feature warehouses, factories and logistics centres, focused mainly on functionality.
  5. Public spaces and parks: Malaga’s public spaces, such as the recently renovated Muelle Uno port area and the historic La Malagueta beach, showcase urban design that combines practicality with aesthetic appeal.

Types of residential buildings and villas in the city of Malaga

In the city of Malaga, the type of residential buildings is influenced by historical, cultural and climatic factors, resulting in a distinctive architectural style. The main characteristics are:

  • Traditional Andalusian houses: These are very common, especially in the old town and suburban areas. They usually have whitewashed walls to reflect sunlight and help keep the interior cool. The roofs are usually made of terracotta tiles.
  • Inner courtyards (patio andaluz): Many traditional houses have inner courtyards, a classic feature of Andalusian architecture, which provide a private outdoor space and promote ventilation and natural light.
  • Balconies and terraces: Balconies are common in older buildings, while newer constructions often include terraces or rooftop decks, maximising outdoor space in the city’s mild climate.
  • Modern apartments and condominiums: In more recently developed areas, modern apartment complexes and condominiums predominate.
    These buildings often feature contemporary designs and amenities such as swimming pools, parking and landscaped gardens.
  • Waterfront properties: Along the coast, residential buildings are designed to maximise sea views and often incorporate features such as large windows and spacious balconies.
  • Energy efficiency and sustainability: Newer constructions are increasingly focused on energy efficiency, incorporating features such as solar panels, efficient insulation and smart home technology.

This blend of traditional Andalusian elements and modern design reflects Malaga’s cultural heritage and its adaptation to the needs of contemporary living.

Benalmádena, Torremolinos and Fuengirola

Benalmádena, Torremolinos and Fuengirola, located on the Costa del Sol near Malaga, offer a variety of residential construction types that appeal to both the local population and a significant number of expatriates and tourists. These types are influenced by the climate, geography and cultural history of the region:

  1. Mediterranean-style villas: common in these coastal towns, these villas usually have white or light-coloured exteriors, red-tiled roofs and arches. They are designed to stay cool in summer and are often surrounded by gardens or terraces.
  2. Modern apartments and condominiums: In response to growing tourist and expat demand, modern apartment complexes abound, especially along the coast.
    These buildings often include amenities such as swimming pools, gardens and sea views.
  3. High-rise apartment buildings: Especially in Fuengirola and Torremolinos, there are high-rise buildings offering panoramic views of the Mediterranean Sea. They are often highly sought after for both permanent residences and holiday homes.
  4. Traditional Andalusian houses:
    Especially in the old towns, you can find traditional Andalusian houses with their characteristic interior courtyards, thick walls and small balconies.
  5. Rustic fincas and luxury mansions: In the more affluent neighbourhoods, especially in some areas of Benalmádena, there are rustic fincas and luxury mansions offering spacious living, high-end amenities and often spectacular sea views.
  6. Bungalows: These are single-storey houses, often with gardens, which are commonly found in residential areas away from the main tourist areas.

Each of these towns has adapted its residential architecture to the needs of a diverse population, combining traditional Spanish elements with modern comforts and styles to satisfy both the local community and international residents.

Vélez Málaga and Nerja

In Vélez-Málaga and Nerja, towns located in the province of Málaga, the types of residential construction reflect both the traditional Andalusian heritage of the region and contemporary influences:

Vélez-Málaga:

  1. Traditional Andalusian houses: Characterised by their whitewashed façades, these houses usually have interior courtyards, terracotta tile roofs and balconies with ornate ironwork.
  2. Modern apartments and condominiums:
    New developments include modern apartment complexes with contemporary designs, often featuring amenities such as communal swimming pools and gardens.
  3. Historic buildings: Some residential properties in Vélez-Málaga are converted historic buildings, which retain traditional architectural features such as wooden beams and stone arches.

Nerja:

  • Seafront apartments and villas: Given its coastal location, Nerja has numerous properties designed to maximise sea views, including seafront apartments and villas with large terraces and balconies.li>
  • Traditional whitewashed houses: These houses, which reflect the classic Andalusian style, predominate in the old town and are characterised by their white façades, often adorned with colourful flowers.
  • Modern residential complexes: These are equipped with contemporary facilities and designed for both permanent residences and holiday homes.

Rural properties (cortijos and fincas):
On the outskirts of Nerja, traditional rural properties such as farmhouses and fincas are common, offering a rustic living experience, often surrounded by agricultural or natural landscapes.

Mijas, Alhaurín, Frigiliana, Ojén, Coín and Ronda

In the inland villages of Malaga, such as Mijas, Frigiliana, Ojén, Coín and Ronda, the types of residential construction tend to reflect traditional Andalusian architecture, adapted to the rural environment and influenced by historical and environmental factors. The main characteristics are:

  1. Whitewashed houses and villas: As in coastal areas, inland villages are characterised by their whitewashed buildings.
    This traditional style, known as “casas blancas” (white houses), helps to reflect sunlight and keep interiors cool during the hot summers.
    Terracotta tiles: Most houses have terracotta tile roofs, a staple of Mediterranean architecture, which provides durability and insulation.
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  2. Inner courtyards and patios: Many houses, especially those in older parts of towns, have inner courtyards or patios, often with plants or a small garden, which serve as a private outdoor living area.
  3. Rural houses (cortijos): In more rural areas, traditional rural houses known as “cortijos” are common. These are usually large detached properties, often with extensive grounds and sometimes with outbuildings.
  4. Modern influences on more recent constructions: More recent constructions incorporate modern design elements such as larger windows, modern insulation techniques and the use of solar energy.
  5. Use of local materials: Local materials such as stone and wood are often used in construction, allowing buildings to blend into the natural landscape.
  6. Terraced houses in villages: Terraced houses are common in village centres. They are usually narrow and multi-storey, sharing walls with neighbouring houses to save space.
 

Land Registry Office in the city of Malaga

The Land Registry office in the city of Malaga is located in Malaga City Hall.

  • Cervantes, 4, 29016 Malaga
  • +34 951 92 60 10

Land Registry Offices in Malaga city

 

How to obtain a certificate of occupancy in Malaga

What are first occupancy and second occupancy licences in Malaga?

In Malaga, as in the rest of Andalusia, there are two main types of occupancy permits, each with a different purpose:

First occupancy licence: This is for new buildings. It is a way for the authorities to confirm that a new building is safe and complies with all the required standards, such as health and safety regulations. It is granted once construction is complete and the building has been inspected. This permit is essential for registering electricity, water and gas services. Once granted, this licence does not usually need to be renewed.

Second occupation licence: This licence applies to existing buildings, especially when they change ownership or have undergone significant alterations. It is like a review to ensure that the building is still in good condition and meets current living standards.
This licence is necessary to reconnect utilities or change utility contracts to another person’s name. Unlike the first licence, this licence may have an expiry date and may need to be renewed.
In simple terms, the First Occupancy Licence is a “birth certificate” for new buildings, while the Second Occupancy Licence is more like a regular “health check” for older buildings. Both are important for living in and using the property legally, as well as for ensuring access to essential services such as water and electricity.

Name change from ‘Certificate of Habitability’ to ‘First Occupancy Licence’

In 2020, the Andalusian Government converted the ‘Certificate of Habitability’ (Cédula de Habitabilidad) into the ‘First Occupancy Licence’ (Licencia de Primera Ocupación), and was only required for new buildings. This procedure and its implications are exactly the same as in other regions of Spain, such as the Valencian Community. (read our article on the Valencian Community here)

Therefore, in Andalusia, the ‘Certificate of Habitability’ is now the ‘First Occupancy Licence’, which is used for new buildings.

What about resales? Is there a ‘Second Occupancy Licence’ in Malaga?

Malaga regulations do not require an Occupancy Licence to complete the sale of resales

 

Traditionally, unlike other autonomous communities such as Catalonia, Valencia, Murcia, etc., in Andalusia and Malaga it was not customary to obtain the Certificate of Occupancy when buying or reselling property.

Therefore, in the sale process, it is not necessary for the seller to present the Certificate of Occupancy or the Second Occupancy Licence.

Can water and electricity contracts be changed in Malaga without the Certificate of Occupancy or Second Occupancy Licence?

 

Yes. In Malaga, the Certificate of Occupancy or Second Occupancy Licence is not required to change water and electricity contracts. Therefore, most property purchases in Andalusia are existing homes, and some of them do not currently have a CH.

Therefore, even if there is no certificate of occupancy, the sale can be completed and the water and electricity contracts can be changed to the new owners’ names.

How to obtain the certificate of habitability or occupancy licence for older properties in Malaga for tourist or holiday rentals on AirBnB?

 

As indicated above, in Andalusia, neither the seller nor the buyer is required to present the certificate of habitability for resales. This means that there are a large number of cases in which properties are bought and sold without this certificate.

The problem arises when the owner of the property wishes to apply for a tourist or holiday rental licence. Some large platforms such as Airbnb, Homeaway, Booking, etc., require owners to present the certificate of occupancy in order to publish the property on their platforms, and it is also a document required by the administration to obtain the tourist licence registration.

To resolve this problem, Andalusian legislation has created a document called the ‘Declaration of Responsible Occupancy’.

The Andalusian Government has regulated the solution to this situation in a recent law: the LISTA

‘Declaration of Responsible Occupancy’ in Andalusia – Law 7/2021 – ‘LISTA’

Law 7/2021, of 1 December, on promoting sustainability in Andalusia (also known as ‘LISTA’), in its Article 138 establishes two ways of obtaining the Certificate of Occupancy – Second occupancy through the ‘Declaration of Responsibility’ process (Declaration of Responsibility by the owner).

1.- New or completely renovated buildings with a prior building permit or Responsible Declaration (‘Responsible Declaration’)

 

This is the Responsible Declaration for the First Occupancy Licence (‘First Occupancy Licence’), and is issued when the occupancy or use of buildings or facilities covered by a prior licence or responsible declaration of works is intended.

Provided that they are completed and comply with the licence or declaration and their use is in accordance with the applicable regulations.

2.- Old properties or existing buildings – Resales – Second Occupancy Licence by means of a Responsible Declaration

 

For existing properties or constructions, in the absence of a prior building licence, a ‘Declaration of Responsibility’ can be obtained, which will have the same effect as the ‘Occupancy Licence’ or ‘Certificate of Habitability’.

Can a property that is ‘off plan’ or ‘DAFO’ obtain the occupancy licence-Declaration of Responsibility necessary to obtain a tourist or holiday rental licence in Malaga?

 

Yes. Article 138 of the LISTA establishes that a Responsible Declaration, with the same effect as an Occupancy Licence, can be obtained in the following cases:

For existing buildings that comply with current urban planning regulations

For those that are legally outside the planning regulations (‘Fuera de Ordenación’ – DAFO), located on urban land not subject to urban transformation, provided that they have not been subject to construction work.

Therefore, if you intend to obtain a tourist licence, you will be required to obtain what is known as a ‘DECLARACIÓN RESPONSABLE DE OCUPACIÓN’ (Responsible Occupancy Declaration). This is a document issued by Malaga City Council that replaces the certificate of habitability. To obtain it, you must submit the following to the City Council:

  • A certificate issued by an official architect with plans and details confirming that the property meets the habitability requirements.
  • A document in which the owner guarantees, under their own responsibility, that the construction and the documents submitted comply with the law.

No.According to Article 138 of the LISTA, the Responsible Declaration is authorised for DAFO properties, but on “urban land”, not on rural land.

So how can I obtain a tourist rental licence for a rural property “Fuera de Ordenación” or DAFO in rural Malaga?

You can obtain the tourist or holiday rental licence with the same DAFO document. The DAFO obtained from the public administration will have the same effect as the occupancy licence for obtaining the tourist or holiday rental licence.

What is the first occupancy licence? Is it the same as the certificate of habitability?

Yes, the ‘Occupancy Licence’ and the ‘Licencia de ocupación’ usually refer to the same thing, although the terminology may vary slightly depending on the region or country. This licence is a legal document that certifies that a building, or part of a building, is fit for occupation and complies with local regulations and standards for habitability.

In the context of Spain, and specifically in regions such as Valencia, this licence is known as a ‘Cédula de Habitabilidad’, which is often translated as ‘Certificate of Habitability’ or ‘Certificate of Occupancy.’ It is important to understand the function and requirements of this document:

Purpose of the licence

  • Certifies habitability : Confirms that a property complies with the minimum safety, health and occupancy standards defined by local legislation.
  • Requirement for public services : Often required to contract public services such as electricity, water and gas.
  • Necessary for real estate transactions:
    The licence is usually required to sell or rent a property.
  • Validity period: These licences are valid for a certain number of years, after which they must be renewed.
  • Legal compliance: Having an up-to-date occupancy licence is a legal requirement for owners who wish to sell or rent their property.
 

Terminological differences

Different terms, same concept : The terms ‘occupancy licence’, ‘occupancy permit’, ‘certificate of habitability’ and ‘certificate of occupancy’ can be used interchangeably, although the exact term may vary depending on the region.

Regional variations : Building and occupancy regulations can vary significantly between regions and countries, so it is important to understand the specific requirements in your area.
Obtaining the licence

Application process: The process involves submitting an application to the local municipal or regional authorities, together with the necessary documentation, such as proof of identity, the property deed and a technical report.

Fees and processing time: Obtaining a licence involves paying fees, and the processing time may vary.

 

It is important for owners to be aware of the legal requirements regarding occupancy licences in their specific location, as not having a valid licence when required can lead to legal and administrative complications, especially in transactions involving the sale or rental of properties.

What is the second occupancy declaration?

The ‘second occupancy declaration’ in Spain is a specific administrative document related to the use and occupancy of dwellings. It is particularly relevant when it comes to existing properties that have been previously occupied. A detailed explanation is provided below:

Definition and purpose

Declaration of responsibility: Literally translated as
‘declaration of responsibility’, it is a self-declaration document in which the owner states that the property meets the necessary conditions to be habitable and used in accordance with local regulations.

 

Context and use

  • Used for existing properties: This declaration is typically used for properties that are being reoccupied, such as when a property is sold or rented, or if a new utility contract is needed.

Alternative to the certificate of habitability:
In some cases, it may be an alternative to the ‘Certificate of Habitability’ for existing properties, depending on regional regulations.

 

Process:

  • Submission: The declaration is submitted to the local town hall (City Hall) or the relevant municipal body.
  • Owner’s responsibility:
    By submitting this document, the owner declares that the property meets all legal requirements to be inhabited without the need for a prior technical inspection.

Legal implications

  • Legality and compliance: The owner assumes legal responsibility for the accuracy of the declaration. If the property does not comply with the regulations, the owner may face legal consequences.
  • Utility contracts: Often used to contract utilities (such as water and electricity) for the property.
 

Regional variations

  • Differences between regions: The requirements, process and validity of this declaration may vary between different autonomous communities and municipalities in Spain.
 

Importance for property owners

Ease of transactions: This declaration can simplify the processes involved in selling or renting older properties.

Verification of compliance: It is essential that the property actually complies with the declared standards to avoid legal problems in the future.

 

In summary, the ‘ Declaración responsable de segunda ocupación ’ is a simplified administrative process used in Spain, especially for properties that have been previously occupied, in order to certify their suitability for continued occupation. Owners must ensure that their property actually meets all the requirements before submitting this declaration.

What is the cadastral value in Malaga?

 

The ‘cadastral value’ in Malaga is an estimated value assigned to a property by the local council. It is used for various administrative and tax purposes. Understanding its specific characteristics can help you manage your property-related tax responsibilities more effectively.

Definition and purpose

Cadastral value : The cadastral value is an estimate of the value of the property, which is usually lower than the market value.

Tax base: This value is used as the basis for calculating local taxes, such as the Impuesto sobre Bienes Inmuebles (IBI), which is a local property tax, and for national taxes, such as the non-resident property income tax.

How is the cadastral value determined in Malaga?

    • Property characteristics: The cadastral value is calculated based on the size, location and type of property, as well as the construction cost and the value of the land in the area.
    • Periodic revaluation: It is periodically revalued to reflect changes in the property market and other factors.
 

Importance for property owners in Malaga

  • Tax calculation: It is important to know the cadastral value of your property in order to accurately calculate your tax obligations.
  • Local variations: The calculation method and frequency of revaluation may vary from one municipality to another.
 

How to find out the cadastral value in Malaga

      • Property tax bulletins: The cadastral value is usually listed in the property tax bulletin
        (IBI) for your area.
      • Online access: In many cases, owners can access the cadastral value of their property online through the Spanish Cadastre website. https://www.sedecatastro.gob.es/
 

Impact on real estate transactions

Sale or rental: Although the cadastral value itself does not directly influence the sale or rental price, it is a crucial figure for tax purposes.

 

Legal and administrative use

Regulatory compliance : Ensuring that the cadastral value of your property is correct and up to date is important for regulatory compliance.

 

The cadastral value in Malaga is a property value assessed by the government that plays a crucial role in determining tax obligations. It is a key figure that owners should be aware of in order to accurately calculate taxes and comply with local regulations. If you are unsure of the cadastral value of your property or how it affects your tax obligations, it may be helpful to consult with a local tax advisor or real estate expert.

What is the tax value in Malaga?

The “tax value” of a property in Malaga, Spain, is a value used by the tax authorities to calculate various taxes related to real estate transactions. It is an important concept in property taxation and may differ from other valuations such as market value or cadastral value.

Definition and purpose

  • Tax calculation: The tax value is mainly used for tax purposes. It is the value that the tax authorities assign to a property in order to calculate taxes such as property transfer tax (ITP), inheritance tax and gift tax.
  • Basis for valuations: This value serves as the basis for calculating the amount of tax payable on transactions such as the purchase, inheritance or donation of a property.
 

How is the tax value determined in Malaga?

    • Valuation methods:
      The tax value is determined by the tax authorities and may be based on several factors, such as the cadastral value, market trends and the type of property.
 

Differences from other values

Market value: The market value is the price at which a property could be sold under normal market conditions. The tax value is usually lower than this.

Cadastral value: The cadastral value, used mainly for local taxes such as property tax, is usually lower than the market value and may also differ from the tax value.

 

Importance for real estate transactions

  • Purchase or sale: When buying or selling a property, it is essential to know the tax value, as it may affect the taxes you will have to pay.
  • Inheritance and gifts: In inheritance or gift transactions, the tax value determines the tax obligations of the beneficiary.
 

How to find out the tax value

      • Consult the tax authority: The tax value can be obtained from the regional tax authority in Malaga or on the official website of the Land Registry https://www.sedecatastro.gob.es/

Tax or cadastral settlements: This is often detailed in tax or cadastral settlements related to real estate transactions.

 

Legal and administrative implications

  • Tax compliance: Knowing the exact tax value of your property is essential for complying with your tax obligations.
  • Disputes and appeals: If you disagree with the tax value assigned to your property, there are procedures for appealing or disputing it.

In summary, the tax value in Malaga is an assessment used by the tax authorities to calculate taxes related to real estate transactions.

It plays an important role in determining tax obligations in situations such as the purchase of real estate, inheritance and donations. This value may differ from market or cadastral values, and understanding it is essential for property owners and buyers to ensure compliance with their tax obligations.

For specific assessments or disputes related to tax value, it is advisable to consult a tax advisor or legal professional.

How to obtain a building permit in Malaga?

 
 

Obtaining a building permit in Malaga, Spain, is an essential step in ensuring that any construction, renovation or significant alteration of a property complies with local regulations and urban planning laws. Below is a general guide on how to proceed:

Determine the type of licence required

 

Major works : for significant construction, such as new buildings, extensions or major structural changes.

Minor works: for smaller projects, such as minor renovations or repairs that do not affect the structure or external appearance.

Prepare the necessary documentation

 

Project description: Detailed description of the planned work.

Technical plans: prepared by a qualified architect or engineer, including detailed plans and specifications.

Property documentation: proof that you are the owner or have permission from the owner.

Other permits: Depending on the project, you may need additional permits, such as environmental impact assessments.

 

Hire a qualified architect or engineer

 

Professional assistance is usually required to prepare technical documentation and ensure compliance with local building codes and regulations.

 

Submit the application to the local council (ayuntamiento)

 

The application, together with all the necessary documentation, must be submitted to the town planning department of Malaga City Council.

The application process may vary slightly depending on the municipality and the scope of the project.

Malaga City Council has set up a special service to help and guide citizens with any queries and provide information on obtaining building permits: https://sede.Málaga.es/sede/registro/procedimiento/UR.LC.0000?lang=1

 

Pay the application fees

 

The cost of the licence will depend on the type and scope of the project. There is usually a fee for processing the application and additional fees depending on the budget or characteristics of the project.

In Malaga, the ICIO ‘construction tax’ is 3% of the total construction cost (updated in 2023).

Wait for approval

The time it takes to obtain approval may vary depending on the complexity of the project and the efficiency of the local council. It can range from a few weeks to several months.

 

Receive inspection and approval

For major works, the project is likely to be inspected at various stages and final approval granted once the works are complete, to ensure that they comply with the approved plans.

 

Comply with safety regulations and standards

Ensure that all construction work complies with safety regulations and local regulations.

 

Important considerations

  • Planning laws: Find out about local planning laws (General Urban Development Plan), which may affect what is permitted.
  • Historic buildings: If the building is historic or located in a protected area, there are likely to be additional restrictions and requirements.
  • Legal and technical advice: Given the complexity of building laws and regulations, it is highly recommended to seek legal and technical advice.
  • Insurance: Ensure that you have adequate insurance to cover any damage to the property or third parties.
  • Taxes: Check with the local authorities to find out about any taxes that may apply to the property.
  • Legal and technical advice : Given the complexity of building laws and regulations, it is highly recommended to seek legal and technical advice.
    •  
 

After completion

  • Final certification: Once the work is complete, a final certification from the architect or engineer is usually required to confirm that the work complies with the approved project.
  • Update the Land Registry: After major works, you may need to update the property details in the Land Registry.
 

Obtaining a building permit in Malaga requires careful planning and compliance with local regulations. Professional advice from an architect, engineer or legal expert can help you navigate this process, ensuring that all legal and technical requirements are met.

Where to apply for a building permit in Malaga?

 

Málaga City Council

Municipal Services Building
PASEO DE ANTONIO MACHADO, 12 (CENTRAL DISTRICT)

You can apply for a building permit online at https://sede.malaga.eu/es/tramitacion/urbanismo/detalle-del-tramite/index.html?id=7279&tipoVO=5

Benalmádena Town Council

You can obtain the process online: https://www.benalmadena.es/contenido.php?m=benalmadena-ayuntamiento&s=procedimientos

Torremolinos Town Council

You can obtain the process online: https://torremolinos.sedelectronica.es/info.0

Fuengirola Town Council

https://sede.fuengirola.es/portal/sede/se_contenedor2.jsp?seccion=s_ftra_d4_v1.jsp&contenido=23062&tipo=4&nivel=1400&layout=se_contenedor2.jsp

Mijas Town Council

https://www.mijas.es/portal/urbanismo/licencias-de-obras-mayores/

Alhaurín El Grande Town Council

http://sede.alhaurinelgrande.es/alhauPortal/sede/se_contenedor1.jsp?seccion=s_ltra_d12_v1.jsp&layout=se_contenedor1.jsp&codbusqueda=697&codResi=1&language=en&numeroPagina=2

Nerja Town Council

https://www.nerja.es/wp-content/uploads/2019/10/SOLICITUD-LICENCIA-OBRA-MENOR.pdf

Vélez Málaga Town Council

https://sede.velezmalaga.es/portal/sede/RecursosWeb/DOCUMENTOS/1/2_1354_1.pdf

Water, electricity and gas suppliers in Malaga city, Nerja, Fuengirola, Mijas, Benalmádena, Vélez Málaga, Alhaurín el Grande and Torremolinos

In the different cities and towns of the province of Malaga, including Malaga city, Nerja, Fuengirola, Mijas, Benalmádena, Vélez-Málaga, Alhaurín el Grande and Torremolinos, several companies provide water, electricity and gas services. Suppliers may vary slightly between locations, but these are some of the main ones:

Water suppliers

      • EMASA (Empresa Municipal de Aguas de Málaga, S.A.): This is the main water supplier for the city of Malaga.
      • Aguas de Narixa: Supplies water to Nerja.
      • Acosol (Aguas y Saneamientos de la Costa del Sol S.A.): Covers areas such as Fuengirola, Mijas and Benalmádena.
      • Aqualia: Provides services in Vélez-Málaga and Torremolinos.
      • Alhaurín el Grande: The municipality has its own municipal water service.
 

Electricity suppliers

The electricity supply in Spain is deregulated, so consumers can choose from a wide variety of national suppliers. Some of the most prominent are:

      • Endesa
      • Iberdrola
      • Naturgy (formerly Gas Natural Fenosa)
      • EDP (Energias de Portugal)
      • Repsol
 

Gas suppliers

As with electricity, gas supply in Spain is open to competition and consumers can choose between several suppliers. The main gas suppliers are:

      • Naturgy (Gas Natural)
      • Endesa
      • Repsol
      • Cepsa
 

It is important to note that although these companies are the main suppliers, consumers in these towns and cities are free to choose their preferred supplier from a wide range of options available on the Spanish market. In addition, for specific services or contracts, it is advisable to contact the local council or the supplier directly for the most accurate and up-to-date information.

How to obtain a licence for a well in Malaga?

The construction of a water well in the Malaga region, as in other parts of Spain, involves a number of specific legal and environmental requirements. These regulations are intended to manage water resources in a sustainable manner and protect the environment. The main requirements are usually as follows:

      1. Obtaining a permit: You must apply for and obtain a permit from the local water authority, which in Andalusia is the Andalusian Water Agency or the Hydrographic Confederation. This is mandatory to ensure that the well does not adversely affect the local water table or infringe on the rights of other water users.
      2. Hydrogeological study: Before drilling, a hydrogeological study may be required to assess the impact on the aquifer, the potential yield of the well and the possible effects on neighbouring water sources.li>
      3. Environmental impact assessment: Depending on the size and location of the well, an environmental impact assessment may be required to ensure that the drilling and use of the well will not damage the local ecosystem.
      4. Technical project: The construction of the well must be supervised by a qualified professional, and it may be necessary to submit a technical project as part of the permit application. This project describes the construction methods, materials, and other technical details.
      5. Registration: Once the well has been constructed, it must be registered with the competent water authority.
        This registration includes details such as the location, depth and capacity of the well.
      6. Compliance with local zoning laws: Ensure that the well complies with local zoning and land use regulations, especially in rural or protected areas.
      7. Safety and access regulations: The well must be constructed and maintained in accordance with safety standards to prevent accidents. This includes safe access to the well.
      8. Regular inspections: The well may be subject to regular inspections by the authorities to ensure ongoing compliance with environmental and safety standards.
      9. Possible restrictions: In some areas, especially those where water resources are scarce or overexploited, there may be additional restrictions or even a moratorium on the construction of new wells.
 

It is essential to consult with local authorities and, if possible, with legal experts in environmental and land use planning to ensure full compliance with all regulations and to understand the specific requirements of the Malaga region. Failure to comply with these regulations may result in fines and legal action, as well as the forced closure of the well.

Can I install solar panels on my house or villa in Malaga?

Yes, you can install solar panels on your house in Malaga, Spain. The Spanish government supports renewable energy and has implemented policies to encourage the use of solar energy. However, there are certain regulations and procedures you must follow:

Check local regulations

Municipal regulations: each municipality may have specific regulations or requirements for the installation of solar panels.
Check with the Málaga City Council to see if there are any specific requirements or restrictions.

Obtain the necessary permits

Building permit: To install solar panels, especially if structural changes to the building are required, you may need a building permit (licence) from your local council.

Choose the type of solar panel system

  • Grid-connected systems: These systems are connected to the public electricity grid. Excess energy can be fed into the grid and you can receive compensation under the UK’s net metering scheme.
  • Standalone systems: These systems are not connected to the electricity grid and usually require a battery storage system.
 

Hire a certified installer to ensure that your solar panel system is installed correctly and complies with all regulations.

 

Notify your electricity company

If your system is connected to the grid, inform your electricity supplier about the installation.

Register the installation

Register your solar panel system with the regional administration and the national register of electrical installations.
Consider incentives and discounts

  • Spain offers various incentives for the installation of renewable energy, including solar panels. Check out the subsidies, tax benefits or discounts available.

Maintenance and insurance

  • Regular maintenance is necessary to ensure efficiency. Also, consider updating your home insurance to cover solar panels.

Environmental and energy efficiency certificates

  • Installing solar panels can improve your home’s energy efficiency rating and may be necessary to obtain certain environmental certifications.

Homeowners’ association

If you live in a community of owners (such as an apartment building), you will need the community’s approval to install panels in common areas.

Book on energy self-consumption in the region of Andalusia in English (updated in 2023)

The region of Andalusia details the installation process for self-consumption (updated in October 2023).

  • Click here to download the unofficial English translation:

https://spanishsolicitors.com/wp-content/uploads/2023/11/MANUAL-tramitacion-autoconsumo-octubre-2023.pdf

What are the requirements for installing a septic tank in my house or villa in Malaga?

The installation of a septic tank in Malaga, Spain, requires compliance with specific regulations to ensure environmental safety and proper waste management. Below is a general guide to the requirements and steps you need to take into account:

  1. Check local regulations and zoning laws
  2. Municipal authorisation : The first step is to consult with the Malaga City Council to find out the specific regulations and requirements for installing septic tanks.
  3. Zoning restrictions: Certain areas, especially those near bodies of water or in urban areas, may have restrictions on the installation of septic tanks.
  4. Obtain the necessary permits
  5. Building and environmental permits: You will likely need a building permit and an environmental permit. The latter is especially important to ensure that your septic system does not have a negative impact on the environment.
  6. Hire a qualified professional

The septic tank must be installed by a qualified and licensed professional who is familiar with local regulations and can ensure that the system is designed and installed correctly.

Septic tank design and size

  • Capacity and design: The size and design of the septic tank must be appropriate for the size of your home and the absorption capacity of the soil on your property.
  • Technical assessment : A technical assessment may be necessary to determine the most appropriate system for your needs and conditions.

Environmental considerations

  • Soil percolation test: This test evaluates the soil’s ability to absorb and filter waste. It is a critical factor in determining the suitability of your property for a septic tank.

Installation by certified personnel:

  • Installation must be performed by certified personnel to ensure compliance with health and environmental standards.

Regular maintenance and inspection

  • Regular maintenance is necessary to keep the septic tank functioning properly and prevent environmental contamination.
  • Local regulations may require regular inspections.

Documentation and records

    • Keep all documentation, permits, and maintenance and inspection records. This is important both for compliance with legislation and for future property transactions.

Community regulations

      • If your property is part of a community of owners, you may need the community’s approval to install such facilities.

Consider modern alternatives

      • Research modern, environmentally friendly septic systems that may offer greater efficiency and a lower environmental impact.

Important considerations

      • Regulatory compliance: Failure to comply with necessary environmental and building regulations may result in legal issues.
      • Professional advice : Due to the complexity of environmental and health regulations, it is strongly recommended that you consult a wastewater management expert.

In summary, installing a septic tank in Malaga requires careful planning, compliance with local regulations, professional installation and ongoing maintenance. It is essential to ensure that the system does not harm the environment or pose a risk to the health of the community.

Can I have pets, cats or dogs in my house/villa in Malaga?

General aspects

In Malaga, Spain, as in many other cities, pets such as cats and dogs are generally allowed in apartments, but there are certain considerations and rules to keep in mind:

Rental contract clauses

If you are renting, check your rental agreement. Some landlords may include clauses that restrict pet ownership or require additional deposits for pets.

Homeowners’ association rules

If the flat is part of a homeowners’ association, there may be community rules or bylaws regarding pets. Some communities may have restrictions on the number, size, or type of pets allowed.

Local ordinances

Familiarise yourself with Malaga’s local ordinances regarding pet ownership. These may include rules about registering your pet, vaccination requirements, and leash laws in public spaces.

In the city of Malaga, ordinances on pets and domestic animals are contained in a 1990 regulation, which can be accessed at the following link: https://sede.Málaga.es/sede/descarga/doc/DOCUMENT_1_ORD0073_C

Responsible pet ownership

      • Ensure that your animals are well trained and do not cause a nuisance, such as excessive noise, which may disturb your neighbours.
      • Keep your property clean to avoid problems such as bad smells or pests.

Health and safety

Keep your pets healthy and up to date with vaccinations. It is important to take them to the vet for regular check-ups.

Make sure that pets do not pose a safety hazard to neighbours, especially in communal areas.

Balcony safety

If you have a balcony, make sure it is safe for pets to prevent falls or escape attempts.

Pets _ Hygiene

Regular grooming and cleaning can help control pet hair and allergens, which is especially important in shared spaces.

Apartment size

Consider the size of your pet in relation to the size of your apartment. Larger dog breeds, for example, may need more space and exercise.

Noise _ Considerations

Train your pets to minimise excessive barking or noise, as this can be a major nuisance in an apartment environment.

Access to a vet

It is important for the health and well-being of your pets to have access to a local vet or pet care services in Malaga.

In summary, although having pets such as cats and dogs in an apartment in Malaga is generally permitted, it is important to check the specific rules or restrictions in your rental agreement or community regulations, and to practise responsible pet ownership. This will ensure a harmonious living environment for you, your pets and your neighbours.

Regulations by city

City of Malaga
Torremolinos
Benalmádena
Fuengirola
Mijas
Nerja

Can I keep horses on my farmhouse in Malaga?

 

General aspects

Keeping horses on your property in Malaga, Spain, is subject to specific conditions and regulations, mainly due to the space and care requirements of these animals. Here is what you need to bear in mind:

Urban planning regulations

  • Rural areas versus urban areas: In general, horse ownership is possible in rural or semi-rural areas where zoning laws allow livestock. In urban areas, it is not usually allowed due to space limitations and local regulations.
  • Check local legislation :
    Check with your local council to find out about zoning laws and whether your property is located in an area where horse breeding is permitted.
    Land and space requirements

Horses need a lot of space for their health and well-being. Sufficient land is needed not only for the stable, but also for exercise and grazing.

The land must be properly fenced to ensure the safety of the horses.

Stable and shelter

  • You will need suitable stable facilities that provide shelter, ventilation and sufficient space for the horses.
  • Regular maintenance of the stable is essential to ensure cleanliness and hygiene.

Veterinary care

Access to veterinary care is essential. Regular check-ups, vaccinations and emergency care must be available.

Food and water

Ensure that there is a constant supply of quality feed and fresh water. Horses need a balanced diet and plenty of water to stay healthy.

Exercise and social needs

  • Regular exercise is essential for horses. Sufficient space for riding or grazing must be available.
  • Horses are social animals, so their social needs must be taken into account, either by keeping more than one horse or ensuring that they have social interaction in other ways.

Manure management

Effective manure management is important to prevent odours and maintain hygiene. This includes regular cleaning of stables and proper disposal of manure.

Legal requirements

There may be specific legal requirements regarding the registration and identification of horses, as well as compliance with animal welfare laws.

Impact on the neighbourhood

Consider the impact on your neighbours, especially in terms of noise, odours and general animal management.

Insurance _

Liability insurance can be crucial when owning large animals such as horses, as it protects you in the event of accidents or injuries.

Summary

  • Feasibility: Keeping horses at home in Malaga is more feasible in rural areas with sufficient land and suitable facilities.
  • Regulations and care: You must comply with local regulations and ensure that you can provide the necessary care and environment for the horses.
 

What are the requirements for keeping horses on my rural property in Malaga?

 

Keeping horses in Andalusia is regulated by the following main laws:

Regional

– Order of 29 April 2015, regulating zootechnical management, animal welfare, health and movement conditions for equines and equine farms, and their registration in the Andalusian Register of Livestock Farms.

– DECREE 14/2006, of 18 January, creating and regulating the Register of Livestock Farms in Andalusia.

National

– Royal Decree 804/2011, of 10 June, regulating the zootechnical, health and animal welfare management of equine farms and establishing the equine health plan.

The aforementioned regulations govern the following:

1.- Registration of equine farms in the REGA

All livestock and equine farms located in the territory of the Autonomous Community of Andalusia must be registered in the Andalusian Livestock Farm Register (Registro de Explotaciones Ganaderas de Andalucía – REGA) and must be registered in the official database of the Andalusian Integrated Livestock Management System (Sistema Integrado de Gestión Ganadera de Andalucía – SIGGAN).

2.- Farm identification code (‘Farm Identification Code’)

The Regional Government of Andalusia will assign each farm an identification code to ensure its unique identification. The structure of this code will be as follows:

  • ‘ES’, which identifies Spain.
  • Two digits identifying the province, according to the coding of the National Statistics Institute.
  • Three digits identifying the municipality, according to the coding of the National Statistics Institute.
  • Seven digits uniquely identifying the farm within the municipality.
 

3.- Location and requirements of the farm

Requirements to be met by farms:

a) Maintain the sanitary distance required by law according to the species, with respect to other livestock farms, as well as establishments, facilities, towns, roads and tracks that may constitute a source of contagion.

b) Have means of production that guarantee the maintenance of an adequate level of hygiene and health on the farm and allow for the effective implementation of cleaning, disinfection, disinfestation and rodent control practices.

c) Buildings, equipment and materials must not be harmful to animals and must be in accordance with the physiological and ethological needs of each species.

d) Comply with the requirements established in current regulations on animal welfare.

e) Have a quarantine facility or adequate means for the observation and isolation of animals that are sick or suspected of having contagious diseases.

f) Intensive farms and the housing of extensive farms must be isolated in such a way as to limit and regulate the free access of people, animals and vehicles for health reasons.

g) Be located in a fenced and delimited area. Extensive farms shall also have pens or facilities for capturing all animals on the farm.

h) Have adequate facilities and equipment at their entrances to ensure the effective cleaning and disinfection of vehicle wheels and visitors’ footwear.

i) Have adequate means for handling animals, facilitating health checks and any other inspection work, with the necessary safety guarantees for both the animals undergoing such checks and the personnel carrying them out.

j) The loading and unloading of animals must be carried out with sufficient health and animal welfare guarantees.

k) The management of solid and liquid excrement shall comply with the provisions of current regulations and those established for each species for this purpose. If not explicitly included herein, intensive farms shall have at least the following:

  • WITH PONDS

Ponds, which must be properly fenced around their entire perimeter, with an artificially waterproofed base, dug to ground level to a maximum depth of 2.5 metres, maintaining, in all cases, a minimum safety distance of 50 centimetres between the surface of the effluent layer and the edge of the pond.

The minimum authorised capacity of the pond must be sufficient to store the solid and liquid excrement produced during three months, and shall have a maximum capacity of 4,000 cubic metres.

Authorisation for the installation of the tank or the extension of an existing one shall be linked to the authorisation of the farm by the Provincial Delegation of the Ministry responsible for livestock, and the interested party shall submit the corresponding construction project.

The existence of ponds for the collection of excrement on a livestock farm shall require registration in the computerised database known as the Integrated Livestock Management System (SIGGAN), in the structural data of the livestock farm, indicating the number of ponds and their capacity in cubic metres.

  • With a Livestock Waste Management Plan approved by the Provincial Delegation of the competent authority for livestock matters.

The content of this Plan shall be developed in accordance with the regulations.

Livestock farm owners must prove, where applicable, that they have sufficient agricultural land available for use as organic-mineral fertiliser, respecting a minimum distance of 500 metres from urban centres.

With regard to watercourses, the provisions of the Public Water Domain Regulations approved by Royal Decree 849/1986 of 11 April and the hydrological plans for the different river basins shall apply.

l) Appropriate measures shall be taken to ensure the removal or destruction of animal carcasses and other by-products from the farm, in accordance with current regulations.

Livestock farm owners must prove, where applicable, that they have sufficient land and agricultural land available for use as organic-mineral fertiliser, respecting a minimum distance of 500 metres from urban centres.

With regard to watercourses, the provisions of the Public Water Domain Regulations approved by Royal Decree 849/1986 of 11 April and the provisions of the various river basin management plans shall apply.

l) Appropriate measures shall be taken to ensure the removal or destruction of animal carcasses and other by-products from the farm, in accordance with current regulations.

Before proceeding, it is advisable to carry out a thorough investigation and, where appropriate, consult with local authorities, equestrian experts and veterinarians to ensure that all requirements can be met and that a suitable environment for horse breeding can be provided.

How many horses can I have on my property in Malaga/Andalusia?

 

The Andalusian law Order of 29 April 2015 considers that equestrian farms are those listed in Annex I of Royal Decree 804/2011, of 10 June, which expressly identifies the following:

2.2.4.5 Non-commercial farm: Farm dedicated to the maintenance of equines by a natural person, without immediate business or commercial purposes, without prejudice to being considered commercial farms if they exceed 5 LU (LU = horse over 12 months old).

Therefore, taking this into account, apart from local regulations that may restrict the keeping of horses on the property, in Andalusia it is permitted to have up to 5 horses as an individual, non-commercial operation.

Buying a house in Malaga

 

General tips and recommendations

Buying a house in Malaga, Spain, can be a straightforward process, but it is important to understand the legal aspects to ensure a smooth transaction. Here are some key legal tips to keep in mind when buying property in Malaga:

Hire a qualified local solicitor in Malaga

A local solicitor familiar with Spanish property law can guide you through the process, take care of legal checks and ensure that all documents are in order.

Check the legal status of the property: legal searches

Ensure that the property is free of debts, charges or encumbrances. This includes checking the Land Registry for any charges or mortgages on the property.

Verify that the property has all the necessary permits and is correctly registered.

Review the property’s construction specifications

If you are buying a new or off-plan property, check the builder’s or developer’s credentials and the construction specifications.

Ensure that it complies with planning regulations

Confirm that the property complies with local planning laws. This is especially important for rural properties, where there may be restrictions.

Obtain mortgage pre-approval

If you need financing, obtain mortgage pre-approval before committing to a purchase. Be aware of the terms, conditions and associated costs.

Review and understand all contracts

Carefully review the purchase agreement before signing it. It should detail the terms of sale, the description of the property, the purchase price and the payment terms.

Pay attention to the deposit agreement

  • Normally, a deposit agreement is signed before the final purchase. Understand the terms, as this agreement usually involves a non-refundable deposit.
· DO NOT SIGN THE DEPOSIT AGREEMENT WITHOUT THE PRIOR CONSENT OF YOUR LAWYER!
Arrange a property inspection

Consider having a property inspection carried out to check for any structural problems, especially in older properties.

Plan for additional costs

  • Taxes
  • Notary and property registration fees
  • Lawyer’s fees
  • Real estate agent’s fees
  • NIEs
  • Power of attorney
  • Renewal of the certificate of occupancy, etc.

Take out title insurance

Although not mandatory, title insurance can provide additional security against any legal surprises.

Completion and registration

  • The purchase is completed when the public deed is signed before a notary and the balance of the purchase price is paid.
  • Register the deed at the local Land Registry.

NIE number

If you are not a resident, make sure you have a foreigner identification number (Número de Identificación de Extranjero or NIE), which is required to carry out real estate transactions in Spain.

After the purchase

After the purchase, make sure to change the utilities to your name and set up the payment of local taxes.

Cultural and linguistic considerations

If you are not fluent in Spanish, it is advisable to have all documents translated to ensure full understanding.

Download our comprehensive guide How to buy in Spain

Buying a property in Spain involves various legal procedures and checks. Having the expert advice of a local real estate lawyer can greatly facilitate this process and help you avoid common mistakes. Remember that every property and every transaction is unique, so it is essential to seek personalised advice.

Click on the link to get our Guide to buying property in Spain

When buying a property in Malaga, Spain, there are several expenses you will need to take into account. These expenses may vary slightly depending on whether the property is new or second-hand. Below is an overview of the costs you can expect in each case.

Expenses and taxes when buying a house/villa in Malaga

Buying a new-build property (Obra Nueva)

  • VAT: For new properties, you will have to pay VAT, which is usually 10% of the purchase price.
  • Tax on documented legal acts (AJD)
    • General rate: 1.2%
    • Reduced rates
      • Transfer of property intended for use as a primary residence, if its value does not exceed £150,000: 1%.
      • Transfer of real estate not exceeding €150,000 when intended as the purchaser’s primary residence and the purchaser is under 35 years of age, a victim of domestic violence or terrorism, or the property is purchased in a municipality with a depopulation problem*: 0.3%.
      • Transfer of a property intended as a habitual residence whose value does not exceed €250,000, when the purchaser is legally considered to be a person with a disability of 33% or more, or is considered to be a member of a large family (and the property is intended as the habitual residence of that family): 0.1%.
  • Notary fees: These fees correspond to the formalisation of the deed and may vary depending on the price of the property.
  • Property registration fees: To register the property in your name, these also vary depending on the value of the property.
  • Legal fees: If you hire a solicitor, you will have to pay between 1% and 2% of the purchase price for legal services.
  • Bank fees: If you apply for a mortgage, you may have to pay bank fees, including mortgage arrangement fees.
  • Other: Power of attorney, NIE, water and electricity connections, etc.

Buying a second-hand property (‘Segunda Mano’)

  • Property Transfer Tax (ITP): General rate: 7%.
  • Reduced rates:
    • Transfer of the habitual residence, if its value does not exceed £150,000: 6%.
    • Transfer of a property whose value does not exceed €150,000 when it is intended as the habitual residence of the purchaser and the purchaser is under 35 years of age, a victim of domestic violence, a victim of terrorism or is purchased in a municipality with a problem of depopulation: 3.5%.
    • Transfer of a property intended as a habitual residence, whose value does not exceed €250,000, when the purchaser is legally considered to be a person with a disability of 33% or more, or is considered to be a member of a large family (and the property is intended as the habitual residence of that family): 3.5%.
 

Other expenses:

  1. Notary fees: as with new builds, these fees depend on the price of the property.
  2. Property registration fees: to register the change of ownership.
  3. Legal fees: Legal assistance will incur fees similar to those for the purchase of a new property.
  4. Bank fees: Fees similar to those for a mortgage if the purchase is financed.
  5. Other: Power of attorney, NIE, water and electricity connections, etc.
 

Common expenses in both cases

 

Appraisal cost: if you are applying for a mortgage, the bank will ask you for a property appraisal, which usually costs a few hundred pounds.

Estate agent’s fees: if you use an agent, their fees are usually paid by the seller, but this may vary.

Additional costs: depending on the condition of the property, you may also need to budget for renovations or improvements.

Important tips

 

Budget:
It is advisable to budget between 10% and 15% of the purchase price for these additional costs, although the exact amount will vary.

 

Calculate costs, taxes and expenses when buying a property in Malaga, including mortgage expenses!

Click here to access our updated calculator for buying a property in Spain + mortgage expenses

Owning a property in Malaga: taxes, maintenance and costs

Taxes and expenses for owning a property in Malaga

Of course, here is an updated summary of the taxes and maintenance costs for a property in Malaga, including property tax and rental tax:

· IBI (Property Tax)

This is the municipal property tax, which is based on the cadastral value of the property. The cadastral value is an official valuation of the property set by the local council. The IBI tax rate usually ranges from 0.4% to 1.1% of the cadastral value.

· Personal income tax )

This is the tax on personal income, which is levied on income derived from property ownership. Income from property ownership is calculated as 2% of the cadastral value of the property, or 1.1% if the cadastral value has been revised since 1 January 1994. The income tax rate usually ranges from 19% to 24%.

· Municipal capital gains tax (tax on the increase in the value of developable land)

This is a local tax levied on the increase in the value of a property over time. The tax rate usually ranges from 4% to 11% of the increase in value.

· Wealth tax in Malaga

This is a tax on the value of a natural person’s assets, including real estate. The tax rate is progressive, which means that it increases as the value of the natural person’s assets increases.

In 2023, wealth tax will be abolished throughout Andalusia. Therefore, no wealth tax will be payable.

  • Property rental (property wealth tax)

This is a tax that is levied on property rentals. The tax rate is usually between 0.5% and 1% of rental income.

Maintenance costs

  • Community fees: If you live in an apartment building, you will have to pay community fees. These fees cover the maintenance of the building’s common areas, such as the garden, swimming pool and lift.
    The amount of community fees varies depending on the size and amenities of the building.
    The cost of utilities varies depending on consumption.
    Taxes on repairs: When you need to repair or renovate your property, you will also have to pay taxes on the cost of the repairs. These taxes usually range from 8% to 10% of the cost of the repairs.
 

Example

Below is an example of the estimated taxes and maintenance costs for a typical property in Malaga:

  • IBI: £500 per year
  • Personal income tax: £200 per year
  • Municipal capital gains tax: £1,000 per year
  • Property tax: £300 per year
  • Property rental: £2,000 per year
  • Community fees: £100 per month
  • Utilities: £100 per month
  • Insurance: £50 per year
  • Taxes on repairs: £500 per year
 

This is just an example, and your actual costs may be higher or lower depending on your particular circumstances. It is important to do your research and get quotes from different providers before buying a house in Malaga.

What is the income tax in Malaga and how is it paid?

 

Paying income tax in Malaga, Spain, usually involves several steps similar to the tax payment process in other parts of the country. Below is an overview of the process:

    1. Determine your tax liability: First, you must determine whether you are required to file an income tax return in Spain. This usually depends on your residency status and income level. As a resident of Spain, you are normally taxed on your worldwide income. Non-residents are only taxed on their Spanish income.
    2. Gather the necessary documents : Gather all the necessary documents, including your income statements, details of any deductions or credits you are entitled to, and your identification (such as your NIE – Foreigner Identification Number).
    3. Use the Tax Agency’s online services: The Tax Agency offers an online system called Renta WEB for filing your income tax return. You can access this system via the Tax Agency’s website. It is available to both residents and non-residents.
 

Tax offices in the province of Malaga

 

You can also obtain direct advice on income tax at any of the income tax offices in the province of Malaga:

Álora

      • Calle Rotonda del Arco, 9 (opposite the municipal swimming pool). 29500, Álora, Málaga (Andalucía)
      • Telephone: 95 249 72 00

Antequera

      • Calle Laguna 3. 29200, Antequera, Málaga (Andalucía)
      • Telephone: 95 284 17 11

Marbella

      • Avenida Jacinto Benavente, 27. 29601, Marbella, Málaga (Andalucía)
      • Telephone: 95 282 49 94

Ronda

      • Calle Granada, 62. 29400, Ronda, Málaga (Andalucía)
      • Telephone: 95 287 48 28

Vélez-Málaga

      • Calle Romero Pozo, 4. 29700, Vélez, Málaga (Andalucía)
      • Telephone: 95 250 30 00

Torremolinos

Calle Cruz, 18. 29620, Torremolinos, Málaga (Andalucía)

Telephone: 95 238 05 11

Filing your income tax return: The tax year in Spain runs from 1 January to 31 December, and income tax returns are generally filed between April and June of the following year. You can file your income tax return online through the Renta WEB service.
If you don’t feel comfortable doing this yourself, you can hire a tax advisor.
Automatic drafts: For residents, the tax agency can provide an automatic draft of the income tax return based on the data from the previous year.
Automatic payments: For residents, the tax agency can provide an automatic draft of the income tax return based on the data from the previous year.
Automatic payments: For residents, the tax agency can provide an automatic draft of the income tax return based on the data from the previous year.
Automatic payments: For residents, the tax agency can provide an automatic draft of the income tax return based on the data from the previous year.
Automatic payments: For residents, the tax agency can provide an automatic draft of the income tax return based on the data from the previous year.

Automatic drafts : For residents, the tax agency can provide an automatic draft of the income tax return based on the information it has. This draft can be modified if necessary and then submitted.li>

Keep records : After filing your return, keep a copy of it and confirmation of filing and payment for your records.

Deadlines and penalties: Be aware of filing and payment deadlines. Late filing or payment may result in penalties.

Consult a tax lawyer.
If you are not fluent in Spanish or familiar with the Spanish tax system, it is advisable to seek the assistance of a tax lawyer. They will help you complete your tax return correctly and take advantage of all applicable deductions and credits. In addition, tax laws and procedures can change, so it is important to have the most up-to-date information.

Download our comprehensive guide to the Spanish tax system

Comprehensive report and understanding of income tax, corporation tax and general concepts

  • Am I a resident or non-resident in Spain?
  • Tax obligations and rights
  • What taxes do I have to pay if I rent?
  • Corporation tax?

Income tax calculator in Malaga

Would you like to get a FREE income tax calculator in Malaga? Just visit our website Tax Calculator in Spain, where you will find different calculators with which you can obtain tax simulations such as:

  1. Taxes on property rental in Malaga
  2. How much tax do you have to pay on pensions in Malaga?
  3. What are the costs of buying a property in Malaga?
  4. What are the costs, taxes and expenses involved in selling a house in Malaga?

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Selling a house/villa in Malaga

How much tax do you have to pay when selling a house in Malaga?

 

When selling a house in Malaga, Spain, there are several expenses and taxes to consider. These expenses can vary depending on a number of factors, such as the value of the property, your residency status and how long you have owned the property. These are the most important expenses:

Capital gains tax (local tax on the cadastral value)

This is a tax levied on the increase in the value of the land from the time of purchase to the time of sale. The amount depends on the location of the property, the period of ownership and the increase in the value of the land. Each local council has its own rates and method of calculation.

Capital gains tax )

If you are a resident of Spain and sell a property that is not your primary residence, you are subject to capital gains tax on the profit (the difference between the purchase price and the sale price). Rates may vary, typically ranging from 19% to 23%. However, there are exemptions and reductions in certain cases, such as if you are over 65 and have lived in the property for a certain period of time.

Non-resident income tax (IRNR)

If you are a non-resident, you will pay a flat tax rate of 19% (for EU citizens) or 24% (for non-EU citizens) on the profit.

Estate agent’s fees

If you use a real estate agent, you will have to pay a commission. This varies, but is usually between 3% and 5% of the sale price, plus VAT.

Notary and property registration fees

These are minor expenses related to the legal formalities of the transaction. They can vary depending on the complexity of the sale and the value of the property.

Lawyer and notary fees

If you hire a lawyer, their fees will depend on the services provided and the complexity of the sale.

Mortgage cancellation fees

If the property has a mortgage, there will be costs associated with cancelling it.

Energy Performance Certificate (EPC)

An EPC is mandatory when selling a property in Spain. The cost of this certificate depends on the size of the property, but it is not usually a significant expense.

Renewal of the certificate of habitability

We remind you that you must provide buyers with confirmation that your property complies with the legal conditions of habitability and with local and regional legislation. For this reason, in the Malaga region, you must obtain a renewed certificate of habitability for any prospective buyers of your property.

Updating the buildings on your property

Especially when renovations or extensions have been carried out on your property, you must provide potential buyers with confirmation that these works have been covered by the corresponding building permit and that they are up to date in the Land Registry and the Cadastral Office.

Other possible costs

Depending on the specific characteristics of the transaction, there may be other costs to consider, such as community fees if the property is part of a community of owners.

It is important to calculate these costs in advance to know how they will affect the net proceeds of the sale. In addition, tax legislation may change and personal circumstances may affect tax obligations, so it is often advisable to seek the advice of a tax advisor or a solicitor specialising in property law.

Download our comprehensive and definitive guide on how to sell a property in Spain

Steps to follow in the sales process. Calculating capital gains, expenses, commissions and fees is essential at the beginning of the process.

Download here

Sales tax calculator in Malaga

Would you like to get a FREE income tax calculator in Malaga? Just visit our Tax Calculator in Spain website, where you will find different calculators that will give you tax simulations such as:

  1. Property rental taxes in Malaga
  2. How much tax do you have to pay on pensions in Malaga?
  3. What are the costs of buying a property in Malaga?
  4. What are the costs, taxes and expenses involved in selling a property in Malaga?

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Renting a house/villa in Malaga

What are the best areas to rent in Malaga?

 

Choosing the best areas of Malaga to rent depends largely on your personal preferences, lifestyle and budget. Malaga offers a wide variety of neighbourhoods, each with its own character and amenities. Here are some popular areas, each with its own attractions:

Historic Centre: ideal for those who love city life and being in the heart of the city.
The area is full of cafés, museums, shops and historical attractions. It is perfect for those who enjoy a vibrant cultural scene and don’t mind the hustle and bustle. It is close to the city centre but offers a more relaxed atmosphere. Ideal for beach lovers and those looking for a balance between city life and leisure.
La Malagueta: A prestigious neighbourhood close to the beach, offering a mix of traditional and modern apartments.
El Limonar: A luxury area known for its high-end villas and apartments.
Teatinos: Popular with students and young professionals for its proximity to the city centre and its lively nightlife.
La Mansa: A quiet neighbourhood close to the beach, offering a mix of traditional and modern apartments.
La Mansa: A quiet neighbourhood close to the beach, offering a mix of traditional and It is a little quieter than the city centre and is ideal for families or those looking for a more exclusive setting.

Pedregalejo and El Palo: Former fishing neighbourhoods, now popular for their beaches, promenade and fish restaurants.
These areas have a more relaxed atmosphere and are popular with both locals and expats.

Ciudad Jardín (Garden City): A greener, more residential area with a family-friendly atmosphere. It is a little further from the city centre but offers a more relaxed pace of life.

Each of these areas has its own charm and advantages, so the best option depends on your personal needs, whether you prioritise proximity to the beach, want a lively nightlife, are looking for a family-friendly environment or need to be close to schools. Prices can vary significantly between these areas, with the historic centre and La Malagueta generally being more expensive, while Teatinos and Ciudad Jardín can offer more affordable options.

What are the most rented areas in Malaga on Airbnb (2024)?

There are certain areas of Malaga, Spain, that tend to be particularly popular for Airbnb rentals. The popularity of these areas is often influenced by factors such as proximity to tourist attractions, beaches, restaurants and the overall charm of the neighbourhood.

Here is the list (by volume) of the most rented areas in Malaga for Airbnb in 2023:

  1. Historic Centre (Centro Histórico)
  2. La Malagueta:
  3. Soho.
  4. El Palo and Pedregalejo
  5. El Limonar
  6. Teatinos.

What is the average rent in Malaga city in 2025?

Rental prices in Malaga city vary depending on the neighbourhood, the size of the property and the services it offers. However, in general, you can expect to pay the following amounts for rent in Malaga city in 2023:

  • Studio: £350-£500 per month
  • One-bedroom flat: £500-£800 per month
  • Two-bedroom flat: £700-£1,200 per month
  • Three-bedroom flat: €1,000-1,500 per month
 

Below is a table showing the average rental prices in the city of Malaga in 2024:

Type of propertyAverage monthly rent (€)
Studio500
One-bedroom apartment700
Two-bedroom flat850
Three-bedroom flat1100

Please note that these are only average prices and actual prices may vary depending on the specific property and neighbourhood.

Below are some additional factors that can influence rental prices in the city of Malaga:

  • Location: Properties in the city centre are usually more expensive than those on the outskirts.
  • Amenities: Properties with amenities such as a swimming pool, gym or garage will be more expensive than those without.
  • Time of year: rental prices are usually higher during the high tourist season (June-September).

What are the costs of renting a house/villa in Malaga?

When renting out your property in Malaga, there are several costs and taxes that you, as the owner, must take into account. These costs may vary depending on your specific situation, the property and the rental agreement. Below is a breakdown of the main expenses and taxes:

Taxes

  1. Income tax on rentals (IRPF) : Rental income is subject to tax in Spain. If you are a resident, this income must be declared on your annual income tax return. The tax rate depends on your income bracket, which can range from 19% to 45%.. Non-residents are taxed at a flat rate of 19% for EU/EEA citizens and 24% for non-EU/EEA citizens.
  2. Deductible expenses: As a landlord, you can deduct certain expenses related to the rented property from your rental income before paying tax. These include mortgage interest, local taxes (IBI), community fees, insurance, maintenance and repair costs, utility costs (if you pay them) and legal costs related to renting out the property.

Other costs

Property maintenance and repairs: Regular maintenance and repairs necessary to keep the property in good condition are the responsibility of the landlord, unless otherwise specified in the rental agreement.

Utility bills: Depending on the rental agreement, utility bills (electricity, water, gas, etc.) may be the responsibility of the tenant or the landlord. If the landlord is responsible, these costs should be taken into account.

Community fees: If your property is part of a community of owners, you will have to pay community fees. These fees cover the maintenance and services of the common areas.
Insurance: It is advisable to take out home insurance that covers rental properties. This insurance may be more expensive than standard home insurance.

Property management fees:
If you hire a property manager or management company to take care of the rental, you will have to pay for their services. This usually ranges from 8% to 12% of the monthly rent.

 

Considerations for non-residents

Non-resident tax: If you are not a tax resident in Spain but own property in this country, you will continue to be subject to non-resident income tax on any income earned in Spain, including rental income.li>

Tax withholding : Tenants who rent from non-resident landlords are usually required to withhold a percentage of the rent and pay it directly to the Spanish tax authorities on behalf of the landlord.

Things to keep in mind

Legal obligations: Make sure your rental agreement complies with current legislation and that you comply with local rental laws.

Tax regulations: Tax regulations can change, and individual circumstances can greatly affect tax obligations. It is advisable to consult a tax professional for personalised advice.

Local variations:
Specific costs and regulations may vary depending on the region of Spain, so it is important to be aware of local laws and practices.

 

Renting out a property in Spain can be a good source of income, but it is important to be well informed about the financial and legal responsibilities involved.

Rental tax calculator in Malaga

Would you like to get a FREE rental tax calculator for Malaga? Just visit our Tax Calculator in Spain page, where you will find different calculators that will allow you to obtain tax simulations such as:

    1. Property rental taxes in Malaga
    2. How much tax do you have to pay on pensions in Malaga?
    3. What are the costs of buying a property in Malaga?
    4. What are the costs, taxes and expenses involved in selling a property in Malaga?

Just click here and you will receive your tax information FREE OF CHARGE:

www.spanishtaxcalculator.com

How to obtain a tourist licence in Malaga

Obtaining a tourist rental licence in Malaga, Spain, is an important step if you are thinking of renting out your property as short-term holiday accommodation. Here is a general guide on how to proceed:

Make sure your property meets the requirements

 
    • Location: some areas may have specific restrictions or regulations regarding tourist rentals.
    • Community approval: If your property is part of a homeowners’ association, check the community bylaws to make sure short-term rentals are allowed.
 

Meet the requirements

  • Property standards: The property must meet certain safety, quality and accessibility standards.
  • Services: Make sure the property has the necessary services and furnishings for tourist accommodation.
  • Insurance: Take out adequate insurance to cover the use of your property as a tourist rental.
 
 
  • Application process: The process usually involves filling out a form (affidavit) and submitting it along with the necessary documentation, such as proof of ownership, identity document, and property details.
 
  • Inspection: In some cases, your property may need to pass an inspection by the local authorities.
 
  • Obtain the tourist rental licence
    • Licence number: Once approved, you will receive a tourist licence number, which must appear in your advertising and communications.
    • Notify your property
    • Include the licence number: Make sure to include your tourist licence number in all advertisements and listings.
  • Comply with tax obligations
 

Taxation: Income generated from tourist rentals must be declared and taxed accordingly.
Non-resident owners have specific tax obligations.

Local taxes: Find out about any local taxes that may apply to tourist accommodation.

Occupancy rules: Follow the rules regarding maximum number of guests, noise levels and other local regulations.

Guest registration: You may be required to register the identity of your guests with the police or local authorities.

Stay up to date

Regulatory changes: Laws and regulations regarding holiday rentals may change, so we recommend that you stay informed about any new developments.

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