Calculate the real net return of a property investment in Spain, adjusted to your exact tax profile.
A 10% maintenance reserve and a 5% vacancy allowance are applied to annual rent, plus the tax depreciation for your profile (3% a year of the building value and renovation). Interest is taken from the real amortisation schedule each year.
Score each item after visiting the property. The total score suggests a reasonable negotiation margin.
Estimated evolution of your investment based on the inputs above. Rent and running costs grow at your rent-increase rate; the mortgage payment stops once the loan is repaid.
Indicative projection based on your own appreciation and rent assumptions — not a guarantee of future returns.
