New Developments
in Cádiz

No. The Spanish Golden Visa property route closed on 3 April 2025 under Organic Law 1/2025, so buying a home no longer qualifies you for residency on its own. Buyers from outside the EU can still purchase freely and own the property, and some use it for stays within the standard visa-free allowance. If residency is your goal, other routes exist, such as non-lucrative or work-based permits, but they have separate requirements. Speak to an immigration lawyer before you rely on any route, and treat the purchase as a property decision first.

It depends on timeline and tolerance for waiting. Of the seven developments we track, two are off-plan, four are under construction and one is complete. Off-plan and under-construction units usually offer earlier pricing and a wider choice of layouts, but you wait for delivery and carry some construction risk, mitigated by the bank guarantee. The completed development lets you inspect the actual home and move in sooner, with less choice remaining. If you need keys soon, completed stock is the answer. If you can wait, earlier stages may give you more options.

You start with a reservation deposit, typically a few thousand euros, to hold the unit. At the private contract you usually pay around 10 percent of the price, with the developer providing a bank guarantee on money paid in advance. Further stage payments may follow during construction, according to the contract schedule, and the remaining balance is paid at completion before the notary. The exact percentages and dates vary by project, so your lawyer should review the specific schedule. Any pre-launch figures we quote are indicative until the developer confirms them.

Start with budget and use. Cádiz has four developments from €549k and suits buyers who want the city and its historic setting, where supply is tight. Torrenueva has three developments from €310k, which is the market's price floor, and suits buyers who want a lower entry point and a different pace. Neither is better in the abstract. Compare price per square metre, how you plan to use the property, and delivery dates. We can shortlist the projects that match your brief and show what is genuinely available.

New-build purchases carry IVA at 10 percent of the price and Actos Jurídicos Documentados stamp duty, generally 1.2 percent in Andalucía. Add notary fees, land registry fees and independent legal fees. A sensible planning range is roughly 12 to 14 percent on top of the purchase price, though the precise figure depends on the unit and transaction. Ask your lawyer for an itemised estimate before you sign the private contract. This is general information, not tax or legal advice, so confirm figures with a qualified adviser.

Yes, Spanish banks lend to non-residents, but terms are typically more conservative than for residents. Expect a lower loan-to-value, often up to around 60 to 70 percent, plus requirements for proof of income, credit history and sometimes a Spanish bank account. Approval timing matters, so arrange finance early, especially for off-plan purchases where payments fall due before completion. A mortgage broker can compare lenders for your situation. Roccabox can introduce you to professionals, but we do not provide financial advice, and you should confirm eligibility with the lender.