{"id":43707,"date":"2023-02-26T17:54:40","date_gmt":"2023-02-26T17:54:40","guid":{"rendered":"https:\/\/spaineasy.com\/?page_id=43707"},"modified":"2026-11-02T20:00:54","modified_gmt":"2026-11-02T20:00:54","slug":"belastingsimulator-aankoop-spanje","status":"publish","type":"page","link":"https:\/\/spaineasy.com\/nl\/belastingsimulator-aankoop-spanje\/","title":{"rendered":"Belastingsimulator aankoop Spanje"},"content":{"rendered":"<section class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-bottom:5vh;--awb-padding-right-small:15px;--awb-padding-bottom-small:5vh;--awb-padding-left-small:15px;--awb-background-image:linear-gradient(180deg, var(--awb-color5) 0%,var(--awb-color5) 100%);--awb-flex-wrap:wrap;\" id=\"background\" ><div class=\"awb-background-mask\" style=\"background-image:  url(https:\/\/spaineasy.com\/wp-content\/uploads\/2022\/11\/Map-espagne-vector.svg);\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one dansimu\" style=\"--awb-margin-top-small:0.2em;--awb-margin-right-small:0px;--awb-margin-bottom-small:0.2em;--awb-margin-left-small:0px;--awb-font-size:2em;\"><h1 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"font-family:&quot;Basier Square Regular&quot;;font-style:normal;font-weight:600;margin:0;font-size:1em;--fontSize:36;line-height:1.16;\">Kosten huis kopen in Spanje berekenen<\/h1><\/div><div class=\"fusion-text fusion-text-1 fusion-text-no-margin dansimu\" style=\"--awb-margin-bottom:1em;--awb-text-font-family:&quot;Basier Square Regular&quot;;\"><p>De kosten van een huis kopen in Spanje lopen per regio sterk uiteen. Deze gratis simulator berekent voor alle 18 regio&#8217;s de overdrachtsbelasting (ITP) bij bestaande bouw en de btw en het zegelrecht bij nieuwbouw, plus notaris, kadaster en gestor\u00eda, op wens meubels en een hypotheekschatting. Vul de prijs in en zie de totale kosten, of vul uw budget in en zie welke prijs u daarmee kunt kopen.<\/p>\n<\/div><style>.fusion-title-1,.fusion-text-2{max-width:1100px;margin-left:auto!important;margin-right:auto!important;background:rgba(255,255,255,.95);padding-left:32px!important;padding-right:32px!important;box-sizing:border-box}.fusion-title-1{margin-top:32px!important;margin-bottom:0!important;padding-top:28px!important;border-radius:16px 16px 0 0}.fusion-title-1 h1{margin:0 0 8px!important}.fusion-text-2{margin-bottom:24px!important;padding-bottom:26px!important;border-radius:0 0 16px 16px}@media(max-width:700px){.fusion-title-1,.fusion-text-2{padding-left:18px!important;padding-right:18px!important}}<\/style><div id=\"se-sim-root\" data-lang=\"nl\" data-search=\"\/nl\/property-search\/\" data-pricing=\"\/nl\/tarieven\/\"><\/div><script nowprocket data-no-defer=\"1\" data-no-optimize=\"1\" data-cfasync=\"false\" data-no-minify=\"1\">(function(){var 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go(c){var s=document.createElement(\"script\");s.textContent=c;document.head.appendChild(s);setTimeout(fb,4000)}function fb(){var r=document.getElementById(\"se-sim-root\");if(r&&!r.firstChild){var p=document.createElement(\"p\");p.textContent=\"De calculator kon niet worden geladen. Laad de pagina opnieuw.\";r.appendChild(p)}}try{var b=atob(d),u=new Uint8Array(b.length),i;for(i=0;i<b.length;i++)u[i]=b.charCodeAt(i);new Response(new Blob([u]).stream().pipeThrough(new DecompressionStream(\"gzip\"))).text().then(go).catch(fb)}catch(e){fb()}})();<\/script><noscript>Voor de calculator is JavaScript nodig.<\/noscript><div class=\"fusion-text fusion-text-2 fusion-text-no-margin dansimu\" style=\"--awb-margin-bottom:0px;--awb-text-font-family:&quot;Basier Square Regular&quot;;\"><h2>Wat de schatting omvat<\/h2>\n<p>Het totaal bevat de belastingen van de gekozen regio, een gebruikelijke schatting voor notaris, kadaster en gestor\u00eda (die u kunt vervangen door een offerte), op wens meubels en, als u dat wilt, het honorarium van SpainEasy op een aparte regel. Niet inbegrepen zijn de jaarlijkse gemeentebelasting (IBI), kosten voor het afsluiten en taxeren van een hypotheek en servicekosten van de gemeenschap.<\/p>\n<h2>Goed om te weten voor kopers vanuit Nederland<\/h2>\n<p>Als eigenaar kunt u in Spanje jaarlijks IBI verschuldigd zijn en, afhankelijk van uw situatie en van verhuur, de Spaanse inkomstenbelasting voor niet-inwoners. Ook in Nederland kan uw Spaanse woning worden meegenomen in de aangifte, bijvoorbeeld in box 3. Dat hangt van uw persoonlijke situatie af, dus bespreek het voor de aankoop met een belastingadviseur.<\/p>\n<\/div><div class=\"fusion-text fusion-text-3 fusion-text-no-margin dansimu\" style=\"--awb-margin-bottom:0px;--awb-text-font-family:&quot;Basier Square Regular&quot;;\"><h2>Veelgestelde vragen<\/h2>\n<h3>Hoeveel komen er bovenop de prijs van een huis in Spanje?<\/h3>\n<p>Als richtlijn komen belastingen en kosten neer op ongeveer 5% tot 14% van de prijs, vooral afhankelijk van de regio en van bestaande bouw of nieuwbouw. De simulator toont het exacte bedrag voor uw situatie.<\/p>\n<h3>Wat is het verschil tussen ITP en btw?<\/h3>\n<p>Bij bestaande bouw betaalt u de regionale overdrachtsbelasting (ITP). Bij nieuwbouw betaalt u in plaats daarvan 10% btw (IVA) plus zegelrecht (AJD); op de Canarische Eilanden geldt in plaats van btw de IGIC van 7%.<\/p>\n<h3>Hoeveel bedraagt het honorarium van SpainEasy en zit het in het totaal?<\/h3>\n<p>Het honorarium is 4% van de prijs plus 21% btw, met een vast bedrag van \u20ac 5.500 onder \u20ac 100.000 en \u20ac 6.000 van \u20ac 100.000 tot \u20ac 150.000. Het is verschuldigd bij het tekenen van het reserveringscontract. Wordt er geen woning gevonden, dan betaalt u niets. De opstartkosten van \u20ac 550 (incl. btw) worden bij ondertekening van de akte volledig terugbetaald. In de simulator kunt u het honorarium aan- of uitzetten.<\/p>\n<h3>Kan ik als niet-inwoner een hypotheek in Spanje krijgen?<\/h3>\n<p>In veel gevallen wel. Banken bieden niet-inwoners vaak circa 70% van de laagste waarde van prijs en taxatie aan, inwoners meer; elke bank beslist zelf. De hypotheekregel is een indicatie, geen aanbod.<\/p>\n<h3>Zitten de jaarlijkse belastingen in de simulator?<\/h3>\n<p>Nee. De simulator laat de eenmalige kosten van de aankoop zien. Jaarlijkse belastingen zoals de IBI en eventuele inkomstenbelasting op de woning komen daar nog bij en hangen af van uw situatie.<\/p>\n<\/div><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Hoeveel komen er bovenop de prijs van een huis in Spanje?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Als richtlijn komen belastingen en kosten neer op ongeveer 5% tot 14% van de prijs, vooral afhankelijk van de regio en van bestaande bouw of nieuwbouw. De simulator toont het exacte bedrag voor uw situatie.\"}},{\"@type\":\"Question\",\"name\":\"Wat is het verschil tussen ITP en btw?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bij bestaande bouw betaalt u de regionale overdrachtsbelasting (ITP). Bij nieuwbouw betaalt u in plaats daarvan 10% btw (IVA) plus zegelrecht (AJD); op de Canarische Eilanden geldt in plaats van btw de IGIC van 7%.\"}},{\"@type\":\"Question\",\"name\":\"Hoeveel bedraagt het honorarium van SpainEasy en zit het in het totaal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Het honorarium is 4% van de prijs plus 21% btw, met een vast bedrag van \u20ac 5.500 onder \u20ac 100.000 en \u20ac 6.000 van \u20ac 100.000 tot \u20ac 150.000. Het is verschuldigd bij het tekenen van het reserveringscontract. Wordt er geen woning gevonden, dan betaalt u niets. De opstartkosten van \u20ac 550 (incl. btw) worden bij ondertekening van de akte volledig terugbetaald. In de simulator kunt u het honorarium aan- of uitzetten.\"}},{\"@type\":\"Question\",\"name\":\"Kan ik als niet-inwoner een hypotheek in Spanje krijgen?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In veel gevallen wel. Banken bieden niet-inwoners vaak circa 70% van de laagste waarde van prijs en taxatie aan, inwoners meer; elke bank beslist zelf. De hypotheekregel is een indicatie, geen aanbod.\"}},{\"@type\":\"Question\",\"name\":\"Zitten de jaarlijkse belastingen in de simulator?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nee. De simulator laat de eenmalige kosten van de aankoop zien. Jaarlijkse belastingen zoals de IBI en eventuele inkomstenbelasting op de woning komen daar nog bij en hangen af van uw situatie.\"}}]}<\/script><div class=\"fusion-text fusion-text-4 fusion-text-no-margin dansimu\" style=\"--awb-margin-bottom:0px;--awb-text-font-family:&quot;Basier Square Regular&quot;;\"><h2>Handige vervolgstappen<\/h2>\n<ul>\n<li><a href=\"https:\/\/spaineasy.com\/nl\/woningzoeker\/\">Woningen in Spanje zoeken<\/a><\/li>\n<li><a href=\"https:\/\/spaineasy.com\/nl\/tarieven\/\">Tarieven van SpainEasy<\/a><\/li>\n<li><a href=\"https:\/\/spaineasy.com\/nl\/contact\/\">Contact opnemen<\/a><\/li>\n<li><a href=\"https:\/\/spaineasy.com\/nl\/recente-onderhandelingsvoorbeelden\/\">Recente onderhandelingsvoorbeelden<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-43707","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kosten huis kopen in Spanje: simulator | SpainEasy<\/title>\n<meta name=\"description\" content=\"Bereken de kosten van een huis kopen in Spanje: ITP, btw, zegelrecht, notaris en kadaster voor alle 18 regio&#039;s, plus hypotheekschatting. 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