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.

For sale · Costa del Sol · Málaga

Available

2-Bed Apartment for Sale in Málaga

€650,000

2 beds · 2 baths · 91 m² built

Ref HT5524627Updated daily · Last sync 27 October 2026

Available

About this property

Overview

Two-bedroom apartment in Málaga, Costa del Sol. This 91-square-metre residence centres on a 37-square-metre open-plan living, dining and kitchen space defined by a five-metre sliding window system that opens completely to one side, connecting the interior directly to views of Calle Victoria and Málaga Cathedral.

The layout provides two bedrooms and two bathrooms, including an en-suite. The kitchen integrates into the main living area with contemporary fittings and worktops that continue the clean-lined aesthetic established by the sliding window mechanism. Both bathrooms feature modern sanitary ware and tiling. Natural light reaches through the property from the street-facing elevation, and the 84 square metres of built area excludes communal circulation space, making the internal footprint notably efficient for central city living.

The building stands moments from Málaga's historic centre, with the Cathedral itself visible from the main living space. Calle Victoria runs through one of the city's established residential and commercial quarters, placing cafés, restaurants and independent shops within a two-minute walk. The Thyssen Museum lies approximately 400 metres south, and Muelle Uno at the port is a 12-minute walk along Calle Larios and through the Parque de Málaga. The sliding window panels stack fully to one side when retracted, creating an uninterrupted opening across the five-metre width.

Specifications

Property type: Apartment
Subtype: Middle floor apartment
Bedrooms: 2
Bathrooms: 2
Built area: 91 m²
City: Málaga
Province: Málaga
Coast: Costa del Sol

Location

Málaga

Map shows the approximate Málaga area. Exact address provided upon request. This property is in MálagaCosta del Sol.

Playa de San Andrés

20 mindrive

Club de Golf de Guadalhorce

32 mindrive

IGY Málaga Marina

25 mindrive

Hospital Materno Infantil

17 mindrive

Málaga Airport (AGP)

36 mindrive

9 questions answered

Buying this apartment in Málaga

Can foreigners buy property in Málaga?

Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Málaga. 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 Málaga?

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.