Interactive buyer tools

Know the own-funds stages before you fly.

Create a useful planning estimate. Every payment schedule and lending decision must still be verified for the buyer and the development.

Indicative purchase price

€600,000

€400k€2m

Reservation€6,000VAT (IVA) 10%: €600€6,000 + €600 VAT = €6,600Reservation terms vary by developer.Counted once inside the 30% pre-completion share

Further pre-completion€174,000VAT (IVA) 10%: €17,400€174,000 + €17,400 VAT = €191,400Remainder of the illustrative 30%

At completion€420,000VAT (IVA) 10%: €42,000€420,000 + €42,000 VAT = €462,000Illustrative 70%, own funds or financing. A mortgage at completion does not fund earlier instalments.

Total €600,000 + €60,000 VAT = €660,000

This illustration assumes a €6,000 reservation payment included within an illustrative 30% contribution before completion, with the remaining 70% payable at completion from own funds or through mortgage financing. Financing of up to 70% depends on the lender, your residency and your circumstances; this is not a mortgage offer. Developer payment schedules vary. Please speak to an adviser for the full payment terms of a specific development.

Prices in this illustration exclude taxes and purchase costs. For a standard new-build home, 10% VAT (IVA) is payable on top of the price and normally follows each payment made. Other purchase costs depend on the individual purchase. Confirm the tax treatment with your independent lawyer or tax adviser.