For sale · Costa del Sol · Málaga
Under offer1-Bed Apartment in Finca el Pato, Málaga
Residential complexFinca el Pato
€215,000
1 bed · 1 bath · 60 m² built
Ref HT5396626Updated daily · Last sync 27 October 2026
About this property
Overview
One-bedroom apartment with private pool in Malaga, Costa del Sol. This 60sqm residence was converted from commercial premises less than a year ago and retains an independent private entrance, creating a sense of separation unusual for apartment living. The east-facing orientation brings morning light into the interior, while the recent renovation includes modern finishes and a valid tourist rental licence already in place.
Inside, the layout accommodates one bedroom and one bathroom across the 60sqm built area, with a 1sqm terrace extending the living space outdoors. The apartment comes fully furnished with contemporary pieces selected during the conversion, meaning immediate occupancy without further outlay. The private pool serves residents of the building, and the excellent condition throughout reflects the property's recent transformation from its former use.
Finca el Pato sits within Malaga's residential network, positioning residents 15 minutes' drive from Malaga Cathedral in the historic centre. The complex provides the infrastructure of established apartment living on the Costa del Sol, with the private entrance offering direct access from street level.
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Features
What this home includes
- Air conditioning
- Fitted kitchen
- Fitted wardrobes
- Furnished
- Fibre internet
- Close to schools
- Near public transport
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Ground floor apartment
- Bedrooms
- 1
- Bathrooms
- 1
- Built area
- 60 m²
- Terrace
- 1 m²
- Pool
- Yes
- Orientation
- East
- Complex
- Finca el Pato
- Area
- Finca el Pato
- City
- Málaga
- Province
- Málaga
- Coast
- Costa del Sol
Location
Finca el Pato, Málaga
Residential complexFinca el PatoMap shows the Finca el Pato complex location. Exact unit address provided upon request. This property is in Finca el PatoMálagaCosta del Sol.
9 questions answered
Buying this apartment in Finca el Pato
Can foreigners buy property in Finca El Pato?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Finca El Pato. You will need a Spanish NIE (foreigner tax number) before signing the title deed, plus a Spanish bank account for the transfer. The full purchase typically completes 6 to 10 weeks from signing the reservation contract.
What is an NIE and how do I get one?
The NIE (Número de Identificación de Extranjero) is your Spanish tax ID and is mandatory for buying property, opening a bank account or paying taxes. You can apply at a Spanish consulate in your home country or in person in Spain. Your lawyer can also obtain it on your behalf with a power of attorney, typically 2 to 4 weeks.
Do I need a Spanish lawyer?
Strongly recommended. An independent lawyer (abogado), separate from the agent and seller, verifies title, checks for debts and planning issues, drafts contracts and represents you at the notary. Typical fee is 1% of the purchase price plus VAT, with a minimum around €1,500.
How long does completion take?
From accepted offer to keys: 6 to 10 weeks for a resale, 30 to 45 days from reservation if no mortgage is needed. New-build off-plan completes when the development is delivered, often 18 to 36 months after reservation, with staged payments along the way.
What taxes will I pay buying a property in Finca El Pato?
Resale property in Andalucía: ITP (transfer tax) at 7%. New-build: 10% IVA + 1.2% AJD (stamp duty). Plus notary, land registry and legal fees of roughly 1 to 2%. Budget 10 to 13% on top of the asking price for total acquisition costs.
What ongoing costs should I expect?
Annual IBI (council tax) is typically 0.4 to 1.1% of cadastral value. Community fees on apartments and gated villas range €100 to €600/month depending on amenities. Non-resident owners pay an annual income tax based on cadastral value, plus utilities and home insurance.
Are agent fees paid by the buyer or seller?
In Spain the seller pays the agent commission (typically 3 to 6% + VAT), already baked into the asking price. Buyers do not pay agent fees on resale or new-build.
Can non-residents get a Spanish mortgage?
Yes. Spanish banks lend to non-residents at typical LTVs of 60 to 70% of the lower of purchase price or valuation (vs 80% for residents). Rates are competitive with the rest of the eurozone. You will need 6 months of bank statements, tax returns and proof of income, pre-approval takes 2 to 4 weeks.
Should I get pre-approval before viewing?
Recommended for serious buyers. A mortgage in principle confirms your budget, signals credibility to sellers and shortens completion. We can introduce you to specialist non-resident mortgage brokers familiar with the local market.
