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 · Rincón de la Victoria

Available

2-Bed Apartment for Sale in Costa del Sol East, Rincón de la Victoria

€360,000

2 beds · 2 baths · 89 m² built

Ref HT5408134Updated daily · Last sync 23 June 2026

2-Bed Apartment for Sale in Costa del Sol East, Rincón de la Victoria

Available

About this property

Overview

Two-bedroom apartment with private pool in Costa del Sol East, Rincón de la Victoria, Costa del Sol. This second-floor flat sits 200 metres from the Mediterranean shoreline in the quiet Torre de Benagalbón neighbourhood, where the proximity to the water shapes daily life without the crowds of the busier resort towns to the west.

The 89 square metres hold two bedrooms and two bathrooms, with lift access removing the usual climb. Natural light reaches through the living spaces, and the layout separates sleeping quarters from communal areas in a way that works for families or couples using the second bedroom as an office. The apartment comes fully furnished, so the kitchen equipment, bedroom wardrobes, and living room pieces are already in place. One parking space is included in the sale, located in the building's garage below.

Torre de Benagalbón maintains its residential character while sitting just 15 kilometres east of Málaga city centre, which puts the airport 20 minutes away by car. The beachfront promenade runs along Playa de Rincón de la Victoria, a five-minute walk from the building, where a mix of chiringuitos and local cafés line the sand. Supermarkets and daily services cluster within 300 metres of the property, and the town's pace remains unhurried even in July and August when other coastal stretches fill with seasonal visitors.

Features

What this home includes

Pool

Property details

Specifications

Property type: Apartment
Subtype: Middle floor apartment
Bedrooms: 2
Bathrooms: 2
Built area: 89 m²
Parking spaces: 1
Pool: Yes
Area: Costa del Sol East
City: Rincón de la Victoria
Province: Málaga
Coast: Costa del Sol

Location

Costa del Sol East, Rincón de la Victoria

Map shows the approximate Costa del Sol East, Rincón de la Victoria area. Exact address provided upon request. This property is in Rincón de la VictoriaCosta del Sol.

Playa Victoria

1 mindrive

Puerto Deportivo del Candado

11 mindrive

Clinica Rincon

2 mindrive

Málaga Airport (AGP)

43 mindrive

9 questions answered

Buying this apartment in Costa del Sol East

Can foreigners buy property in Rincón de la Victoria?

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

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.

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