Property Buying Costs in Andorra

Property buying costs in Andorra - what you pay as the buyer

The headline price is only part of the cost of buying property in Andorra. Buyer-side costs mainly fall into four buckets: purchase tax (ITP or IGI), notary and registry fees, foreign investment authorisation (if applicable), and the practical setup that follows completion. If you are still choosing areas, see our Andorra parish property guide. If you are ready to view, start with Buy Property in Andorra.

Purchase tax - ITP vs IGI

The tax you pay depends on what you are buying:

• Resale property: normally taxed under ITP (a transfer tax for existing homes).
• New build: normally taxed under IGI (Andorra's indirect tax) and sometimes related charges depending on the structure of the sale.

We confirm which route applies early so you budget correctly and avoid surprises at notary. If your purchase also supports your residency in Andorra plan, we align timing and documents so the property and residency steps support each other.

Notary and land registry

Every purchase completes at notary. The deed is then registered. These costs are part of a normal Andorra purchase and should be included in your budget from day one.

Foreign investment authorisation and related costs

If you are not Andorran (or you buy via a foreign-owned entity), you may need foreign investment authorisation before signing. This is a common source of delays when it is not filed early. We manage the filing timeline alongside your bank readiness and the notary date.

Bank-related costs and cashflow

Even if you are a cash buyer, you still need banking sorted for deposits, payments and direct debits after completion. If you have not opened an account yet, start with Banks in Andorra. If you are planning your move-in date, see Move to Andorra for utilities and internet setup.

Other practical costs buyers forget

• Checks and due diligence: habitability status, community rules and practical liveability checks.
• Insurance: often required by buildings and sensible from handover.
• Setup after completion: electricity, internet and building administration.
• Family planning: if schools matter to your location choice, see Schools in Andorra.

How INVICO helps you budget correctly

• Confirm the correct tax route (ITP vs IGI) and the likely buyer-side cost categories for your specific purchase.
• Align foreign investment steps, bank readiness and notary scheduling so timelines stay realistic.
• Coordinate the post-completion setup so you can move in without delays.

Note: fees and taxes depend on the structure of the sale and can change. We confirm the current position for your file before you commit.