{"id":2447,"date":"2026-05-26T20:19:08","date_gmt":"2026-05-26T18:19:08","guid":{"rendered":"https:\/\/housing-re.com\/taxes-when-purchasing-a-property-in-andorra-itp-4\/"},"modified":"2026-05-26T20:19:08","modified_gmt":"2026-05-26T18:19:08","slug":"taxes-when-purchasing-a-property-in-andorra-itp-4","status":"publish","type":"post","link":"http:\/\/housing-re.com\/en\/taxes-when-purchasing-a-property-in-andorra-itp-4\/","title":{"rendered":"Taxes When Purchasing a Property in Andorra (ITP 4%)"},"content":{"rendered":"<p>Purchasing a property in Andorra requires understanding the costs associated with the transaction in advance, and one of the most significant is the<span> <\/span><strong>Impost de Transmissions Patrimonials<\/strong>, known as ITP. This tax applies to the transfer of real estate between private individuals and is set at a fixed rate of <span> <\/span><strong>4% of the purchase price<\/strong>. It is one of the lowest tax burdens in Europe, making the Principality a particularly attractive destination for those seeking to optimize their real estate investment without sacrificing quality of life or legal security. <\/p>\n<p><!--more--><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2440 size-full\" src=\"http:\/\/housing-re.com\/wp-content\/uploads\/2026\/05\/comprar_vivienda_andorra_impuestos-scaled.jpg\" alt=\"purchase property andorra taxes\" width=\"2560\" height=\"1707\" srcset=\"http:\/\/housing-re.com\/wp-content\/uploads\/2026\/05\/comprar_vivienda_andorra_impuestos-scaled.jpg 2560w, http:\/\/housing-re.com\/wp-content\/uploads\/2026\/05\/comprar_vivienda_andorra_impuestos-300x200.jpg 300w, http:\/\/housing-re.com\/wp-content\/uploads\/2026\/05\/comprar_vivienda_andorra_impuestos-1024x683.jpg 1024w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<h2>What Is the ITP and When Does It Apply in Andorra<\/h2>\n<p>The ITP is the tax applied when a<span> <\/span><strong>transfer of ownership of real estate<\/strong><span> <\/span>occurs between two private parties, meaning when the seller does not act as a developer or company. In practice, this covers the majority of resale transactions in the country. <\/p>\n<p>The applicable rate is<span> <\/span><strong>4% of the deed price<\/strong>, and it is the buyer who assumes this cost at the time of signing before a notary. Unlike other countries in the region, Andorra does not apply brackets or reductions based on the buyer&#8217;s profile, which significantly simplifies the calculation prior to the transaction. <\/p>\n<p>It is important to distinguish the ITP from the IGI (Impost General Indirecte), which is equivalent to VAT and applies to transfers of new construction carried out by developers. In that case, the general rate is 4.5%, although it may vary depending on the nature of the transaction. Understanding which tax applies in each case is key to  <span> <\/span><strong>planning the total purchase budget<\/strong><span> <\/span>accurately and without last-minute surprises.<\/p>\n<h2>How to Calculate the Actual Cost of the Transaction<\/h2>\n<p>Beyond the ITP, a property purchase in Andorra involves other expenses that the buyer must take into account. The most common are <span> <\/span><strong>notary fees<\/strong>, property registration costs and, in many cases, real estate agency fees.<\/p>\n<p>As a general reference, for a property valued at \u20ac500,000, the ITP represents an additional cost of \u20ac20,000. When notary and registration fees are added, the total associated costs typically range between <span> <\/span><strong>6% and 8% of the purchase price<\/strong>, depending on the complexity of the transaction and the type of property acquired.<\/p>\n<p>Making this calculation in advance allows the buyer to make informed decisions and avoid cash flow pressures at closing. This is why having a specialized team to guide you from the outset makes a real difference. If you are considering  <span> <\/span><a href=\"https:\/\/housing-re.com\/en\/properties-in-andorra\/\">purchasing a property in Andorra<\/a>, having a tax analysis prior to the transaction is as important as choosing the right property.<\/p>\n<h2>Tax Advantages of Purchasing in Andorra Compared to Other Countries<\/h2>\n<p>Andorra&#8217;s tax appeal extends far beyond the ITP. The Principality offers a tax environment that, overall, is <span> <\/span><strong>significantly more favorable than that of its neighboring countries<\/strong>. In Spain, for example, the ITP varies by autonomous community and can reach up to 10% or even 11% of the property value. In France, the droits de mutation range between 5% and 6%, with additional charges depending on the case.  <\/p>\n<p>Additionally, Andorra does not apply wealth tax or inheritance tax in most cases, making it a particularly attractive destination for those planning their investment with a<span> <\/span><strong>long-term wealth perspective<\/strong>.<\/p>\n<p>The combination of reduced taxation, legal security, and a high-level real estate market explains the growing interest of international buyers in the Principality. If you are in that situation and want to fully understand all the steps of the process, the <span> <\/span><a href=\"https:\/\/housing-re.com\/en\/real-estate-personal-shopper\/\">personal shopper real estate service<\/a><span> <\/span>from Housing R.E. can help you make informed decisions without improvisation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Purchasing a property in Andorra requires understanding the costs associated with the transaction in advance, and one of the most significant is the Impost de Transmissions Patrimonials, known as ITP. This tax applies to the transfer of real estate between private individuals and is set at a fixed rate of 4% of the purchase price&#8230;.<\/p>\n","protected":false},"author":3,"featured_media":2448,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[53],"tags":[],"class_list":["post-2447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-housing-re"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Taxes When Purchasing a Property in Andorra (ITP 4%) - Housing-re<\/title>\n<meta name=\"description\" content=\"Purchase a property in Andorra with the lowest ITP in Europe: only 4%. Learn how it works and what expenses you should anticipate\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/housing-re.com\/en\/taxes-when-purchasing-a-property-in-andorra-itp-4\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Taxes When Purchasing a Property in Andorra (ITP 4%) - Housing-re\" \/>\n<meta property=\"og:description\" content=\"Purchase a property in Andorra with the lowest ITP in Europe: only 4%. 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