When we sell our villa, as with any other home, there are a series of expenses that correspond by law to the seller and that it is very important to know because they can affect our decision to sell. If nothing is agreed against, that is, the villa is sold with “gastos arreglo Ley” then the selling party must assume these payments:
Expenses corresponding to the selling party in a sale
In the event of a mortgage, all the expenses to register said mortgage.
Approximately 60% of the notary expenses of the signing of the sale, the other 40% is assumed by the buyer.
Municipal tax, this tax should not exist in the case of villas on rustic land.
AEAT tax on capital gains derived from the sale of the property.
The expenses related to cancellation of mortgage or notary should not worry us, since they are official rates that depend largely on the sale price but will not exceed € 1000 in general.
However, the expenses related to capital gains can be very high, more than 20% of the sale price, and therefore, it is necessary to have an estimate of this amount before making the decision to sell.
Plusvalía Municipal
The “municipal capital gain” depends on the value of the land and the years that have passed since the previous transmission, but what each municipality establishes greatly influences. To know the information, it will be enough to make a call to the collection department of our town hall to inform us of the cost of capital gains the sale of our villa will have. As each municipality establishes some percentages, then it is common for municipalities to have a tool on their website to be able to make the calculation if we have the last IBI receipt. Here we are going to indicate the link offered by some municipalities to carry out a capital gains tax simulation.
Bétera: https://pelcv.gva.es/frontal-autoliquidaciones/procesar/local/L046070-00000000/entidad/460709/modelo/004/
La Eliana: https://sede.leliana.es/PortalCiudadano/autoliquidaciones.do?formAction=btShowNuevaAutoliquidacion&tipo=38#no-back-button
Keep in mind that municipal capital gains should not exist in the sale of villas on rustic land, but it is important to confirm with the City Council.
Plusvalía de Hacienda
The capital gain is a tax that is applied on the profit that we have obtained in the sale of our house, that is, if there is no benefit then the tax will be 0. To know the benefit obtained in our sale it is necessary to know all the expenses that we have had both in the acquisition and in the sale. If you have all the data, you can calculate an estimate of the capital gains using this online tool offered by the following law firm.
Before using the capital gains calculation tool, you must bear in mind that this tax is exempt in case of reinvestment of the sale amount or in case of being retired and being a first home.
Link to the website of the IRPF tax for non-residents
This tax is settled on the IRPF for the year following the sale of the villa. Although we have not had a profit in the sale of our house, it is necessary to include all the information, since the losses of a sale can offset other benefits obtained and avoid paying taxes.
