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Living.

Your home in Mallorca

Find your unique property on Mallorca with CCC Real Estate and gain more time for your family and an easier life. Discover with us a property that not only offers living space, but also enriches your lifestyle.

Discover your extraordinary home with our unique residential properties

Exklusiv

Ref.: K-0084, Mallorca, Llucmajor

First-class finca with pool, conservatory and garden oasis

2.500.000,00€

Exclusive

Ref.: K-0084, Mallorca, Llucmajor

First-class finca with pool, conservatory and garden oasis

2.500.000,00€

Exclusive

Ref.: K-0084, Mallorca, Llucmajor

First-class finca with pool, conservatory and garden oasis

2.500.000,00€

Ref.: K-0084, Mallorca, Llucmajor

First-class finca with pool, conservatory and garden oasis

2.500.000,00€

Exclusive

Ref.: K-0084, Mallorca, Llucmajor

First-class finca with pool, conservatory and garden oasis

2.500.000,00€

Exclusive

Ref.: K-0084, Mallorca, Llucmajor

First-class finca with pool, conservatory and garden oasis

2.500.000,00€
Modern new-build flat on the 1st floor with sea views, 07590 Cala Ratjada (Spain), Apartment

NEW

Ref.: S-0143-M-01-D, Cala Ratjada

Modern new-build flat on the 1st floor with sea views

1,500.00 €
Modern new-build flat on the 2nd floor with sea views, 07590 Cala Ratjada (Spain), Apartment

NEW

Ref.: S-0143-M-02-I, Cala Ratjada

Modern new-build flat on the 2nd floor with sea views

1,500.00 €
Modern new-build flat on the 2nd floor with sea views, 07590 Cala Ratjada (Spain), Apartment

NEW

Ref.: S-0143-M-02-D, Cala Ratjada

Modern new-build flat on the 2nd floor with sea views

1,500.00 €
Modern new-build flat on the 3rd floor with sea views, 07590 Cala Ratjada (Spain), Penthouse

NEW

Ref.: S-0143-M-03-I, Cala Ratjada

Modern new-build flat on the 3rd floor with sea views

1,700.00 €
First class new build villa with 3 bedrooms, private garden and community pool, 07580 Cala Ratjada (Spain), Villa

NEW CONSTRUCTION

Ref.: T-0051-5-C-10, Cala Ratjada

First class new build villa with 3 bedrooms, private garden and community pool

1,005,000.00 €
First class new build villa with 3 bedrooms, private garden and community pool, 07580 Cala Ratjada (Spain), Villa

NEW CONSTRUCTION

Ref.: T-0051-10-Ab-26, Cala Ratjada

First class new build villa with 3 bedrooms, private garden and community pool

937,000.00 €

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Secret Listings

Ask us about unpublished offers

Ref.: K-0084, Mallorca, Llucmajor

First-class finca with pool, conservatory and garden oasis

2.500.000,00€

Ref.: K-0084, Mallorca, Llucmajor

First-class finca with pool, conservatory and garden oasis

2.500.000,00€

Ref.: K-0084, Mallorca, Llucmajor

First-class finca with pool, conservatory and garden oasis

2.500.000,00€

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DVS Intermedia SL

Financing in Mallorca made easy

Do you need financing for your apartment, house or finca in Mallorca? Regardless of the price segment, DVS Intermedia SL will be glad to help you.

Your advantages:

8 reasons for your property in Mallorca

01

550 km of coastline and 179 beaches and bays

02

Mediterranean lifestyle

03

Good accessibility

04

Paradise for remote working

05

Large selection of property types

06

300 days of sunshine per year

07

Steady increase in value

08

Excellent infrastructure for health and safety

Download now

Detailed checklist for your property purchase in Mallorca

Selected partners

Discover our service partners for the realisation of your wishes.

MallorcaEngel

Interior Design

Application for an NIE number

1Komma5º

Chimney builder

Ajh-elektro-GmbH

CCC Real Estate

Rent in Mallorca
Discover flexible living options

Experience fascinating rental opportunities in Mallorca – whether it’s a townhouse, a finca, a villa with sea views or an apartment. Discover the ideal accommodation and immerse yourself in the Mallorcan way of life.

At CCC Real Estate, we take care of all rental contract details transparently and in your language.

Rent before you buy – discover the island, get to know different regions and make an informed decision. We will be pleased to accompany you on this journey!

The most important questions about your real estate purchase

Why do I need a NIE number and where do I apply for one?

Smooth real estate transactions in Mallorca require the Spanish NIE number (Número de Identidad de Extranjeros). This is necessary for the notary contract and the property registration and accompanies you for life without ongoing costs. The NIE is also required for buying a car, utilities and working in Spain.

Three ways to the NIE:

  1. Spanish consulate/embassy: Personal visit with ID/passport, appointment, application form (EX-15), approx. 10-20 euros, delivery by e-mail after 3-6 weeks.
  2. Policía Nacional in Palma de Mallorca: Appointment, application form (EX-15), copy of ID, approx. 10-15 euros, immediate issue on site.
  3. With professional help: tax advisor, lawyer or Gestoria support. Notarized copies and power of attorney in Spanish required. Beware of unknown internet providers!

In Spain, a higher equity share of around 30-40% of the purchase price is often recommended for the purchase of a property.

When purchasing real estate in Mallorca, the following additional purchase costs must be taken into account:

The land transfer tax is between 8 and 13 percent of the purchase price and depends on the value of your desired property.

Notary fees amount to 0.25 to 0.50 percent of the purchase price for existing properties. Additional drafts or copies are subject to separate fees.

Once the purchase contract has been concluded, the property is entered in the land register with standard fees of between 0.15 and 0.30 percent of the purchase price.

The handling fees for the Gestoria or lawyer amount to approx. 0.8 to 1 % of the purchase price.

Incidental costs such as fees for the transfer or registration of electricity, water, gas, well, vacation rental license, telephone/internet, insurance, alarm system, etc., should be taken into account when buying a property in Mallorca.

It may be necessary to prepare certified checks from a Spanish bank to pay off a mortgage. The cost is approximately €300 per check, to be paid by the buyer. Cashing the checks is the responsibility of the seller.

If the vendor’s main residence is outside Spain, 3% tax will be retained from the notarized sale price.

Besides obvious costs like mortgages and property taxes, there are numerous maintenance costs that are often overlooked. Here are some of them:

  • Electricity and water costs
  • Heating (oil or gas consumption)
  • Gas tank rental
  • Alarm system costs
  • Delivery and consumption of pellets/firewood
  • Water delivery by truck
  • Maintenance of photovoltaic systems/batteries
  • Fuel and maintenance costs for generators
  • Gardener and material costs
  • Maintenance of equipment and energy costs
  • Pool maintenance service and products
  • Maintenance of heating systems, air conditioning systems, etc.
  • Maintenance of elevators and emergency telephones
  • Maintenance of fire extinguishers and water filter cleaning
  • Decalcification system (e.g. salt costs)
  • Septic tank emptying
  • Property tax, garbage fee, sewage
  • Insurance and non-resident tax
  • Telephone/Internet connection
  • Community costs for housing estates and community of owners
  • House cleaning costs

A conscious understanding of these maintenance costs can help you to plan better and avoid unpleasant surprises. If you have any further questions, please do not hesitate to contact us!

If you want to buy a property in Mallorca, foreign financing offers the following advantages:

  • Financing up to 70% of the purchase price
  • Land register protection in Spain
  • Appraisal of the property
  • Fast processing and time savings
  • Fixed interest rate security
  • Lower costs for early repayment
  • Possibility of unscheduled repayments for maximum flexibility
  • Conservation of well-invested capital and liquidity reserve

 

Customized financing solutions are also available for Swiss and Luxembourg citizens. Through renowned financing agencies we offer::

  • Individual advice in your language
  • One contact person for financing offers from all Spanish banks
  • Optimal financing conditions through negotiations

In Spanish real estate projects, terms such as usable area, constructed area and living space are crucial. This is where they differ from other countries’ standards.

Living area (superficie útil): Actually inhabited and furnished area, calculated from the inner line of the outer walls.

Usable/constructed area (Superficie construida): Includes covered outdoor areas, with verandas and terraces valued at 50%. Fully enclosed roofs count as 100%.

Buildability (Edificabilidad): The maximum permitted building volume on a plot of land, important for construction projects.

Superstructability (Ocupación): Includes areas that are used but not necessarily inhabited, such as garages, water storage, technology, as well as sealed surfaces of outdoor areas.

Spanish real estate offers often indicate the constructed area. Check the information in the purchase deed and in the land register, where the constructed area is usually mentioned.

The document, known as the “certificate of habitability” in Englisch and “Cédula de Habitabilidad” in Spanish, is crucial. Originally required for new builds and first-time occupants, it is now also required for extensive renovations. It allows access to water, electricity and gas, essential for a comfortable life in Mallorca. To obtain the certificate, building work must be officially approved by the architect and the municipality. The application is made to the island council (Consell de Mallorca), sometimes even before the final building approval. This certificate is essential for the vacation rental license. It is valid for 10 years and should be renewed before a new sale.

Choose an estate agency to benefit from local knowledge and expertise. With a strong network and good connections, the agent creates optimal conditions for your real estate goals. Multilingual communication guarantees smooth communication, while individual support and commitment ensure that your needs are the focus.

A moratorium is currently in place in some areas – mainly housing estates – on Mallorca. To put it simply, this is a construction freeze. This means that no building permits are being issued for new buildings or extensions. In the north-east, the settlements of Costa Canyamel, Els Pelats in Cala Ratjada and parts of Betlem in the municipality of Artà are among those affected by this regulation. In our property listings, we have labelled these settlements as “partially developed” and/or ” expected building land”.

In Spain, the seller usually pays the property sales commission, which is normally between 5 and 6 %.

In Spain, contracts must be signed by all parties on all sides. A legally binding signature requires an individual, recognisable signature. Notarised signatures are always valid. There are differences between “p.p.” (with power of attorney) and “p.o.” (on behalf of). Spanish kings in the Middle Ages signed clearly and simply, such as “YO, EL REY” (I, the king).

When buying a property in Spain, if the seller has a mortgage on the property, the cancellation of this mortgage takes place two months before the actual notarisation of the sale, so that the cancellation is entered in the register, or on the day of the sale.

Both processes are carried out before a notary and part of the payment to the seller is made by cheque, which is used to pay off the mortgage. This ensures that the property is sold free of any encumbrances.

In the case of a mortgage, certified cheques must be prepared by a Spanish bank at a cost of approximately €300 per cheque, which is borne by the buyer.

If the seller has financed the property with a mortgage, it is possible to take it over. In this case, it is crucial to carefully check the exact terms of the mortgage.

The costs of cancelling the mortgage at the land registry are borne by the seller and are usually deducted from the purchase price.

Important points

  • More frequent notarial assignments forpowers of attorney, amicable divorces, etc.
  • They do not authenticate signatures on private documents
  • Notary fees are more favourable than in other countries, e.g. in Germany.
  • Notary does not check entries in the land register
  • No advisory function, notarisation of the purchase contract
  • Payment on the day of the appointment with the notary when purchasing a property
  • Extensive competences in declarations of new construction, declarations of division, acceptance of inheritance.

Additional information:

  • Spanish notaries belong to the Union of the Latin Notary’s Office
  • Spanish notaries do not have to read the deeds in their entirety; it is sufficient to pass on the essential content to the parties.
  • Spanish notaries are not obliged to execute the deed and do not take care of the registration in the Spanish Land Registry.

What does this mean for you? Notary fees are cheaper in Spain, but additional legal advice and fees for the purchase process must be considered.

In Spain, you are considered a tax resident if you spend more than 183 days a year in Spain. Alternatively, you can also be considered a resident if the majority of your economic activities or financial interests are in Spain. In terms of tax declarations, Spanish residency means that your worldwide income is taxed in Spain. You must declare your worldwide income in your annual tax return in Spain.

You are one step closer to your dream home! In Spain, the handover of the property usually takes place on the day of the notary appointment, often even before the official signing at the notary. This is how a professional handover should take place:

  • Function check for appliances: So that your new home gets off to a smooth start!
  • Read supply meters: Precise recording and documentation of all relevant meter readings for a clear overview of your resources
  • Explanation of the technology: Pool, irrigation system and more are explained in detail – ensuring carefree living pleasure!
  • Property condition check: A detailed check to ensure that your new property is in optimum condition.
  • Key handover and clear documentation (like instruction manuals).

So that you can feel at home as soon as possible after the notary appointment.

In Mallorca there are specific regulations for changes to properties. The colour scheme, persiana (shutters) and house regulations should be checked beforehand with the local town hall. Homeowners should also check the house regulations to ensure that alterations comply with community standards. Community regulations, already laid down in the Normas Urbanísticas, cover aspects such as property fencing and building materials. Before building projects, it is advisable to check local community regulations to ensure smooth changes.

For minor renovation work (no walls are being moved), a “prior notification” to the relevant town hall is sufficient. If the project involves major work, you must apply for authorisation by submitting a project signed by an architect and then applying for the “final de obra”. Fees must be paid for both applications. If you are unsure, please do not hesitate to contact us.

Arrange an individual viewing appointment in daylight and without time pressure. Use advance information and exposés to examine the properties in detail. Get a clear overview by systematically exploring all rooms and outside areas.

Pay particular attention to the condition of walls, floors and windows, as a well-founded assessment can not only save you time but also money. Address obvious defects directly and clarify questions about the furnishings or the move-in date on site. With specific notes, you can easily maintain an overview and quickly select the ideal rental property for you.

Your tenancy agreement with CCC Real Estate is carefully drafted and includes all the crucial information. Here are the key points that should be included in a complete and transparent rental agreement:

  1. Identification of the contracting parties:
    • Your full contact details as a tenant.
    • The landlord’s full contact details.
  2. Description of the property:
    • Clear details of the rental property, including address, apartment or house number and floor.
  3. Rental period:
    • Determination of the exact start and end of the rental period..
  4. Rent and payment terms::
    • Monthly rent.
    • Payment modalities.
    • Owner’s bank details for monthly transfers.
  5. Deposit:
    • The amount of the deposit and the conditions for its return..
  6. Additional costs:
    • Clear list of additional costs (e.g. electricity, water, gas, internet) and who pays them, the tenant or the landlord.
  7. Maintenance and repair obligations::
    • Responsibilities for minor and major repairs..
  8. Intended use:
    • Determining the use of the property, whether residential or commercial use.
  9. House rules:
    • If relevant, rules for your behaviour in and around the property.
  10. Terms of cancellation:
    • Ordinary cancellation conditions for tenants and landlords.
  11. Subletting:
    • Conditions if subletting is permitted.
  12. Insurance:
    • Clarification of required insurances (e.g., liability, household contents).
  13. Repairs and renovations at the end of the contract::
    • Agreement on the condition of the property at the end of the contract..
  14. Other agreements:
    • All individual agreements between tenant and landlord.

At CCC Real Estate, we take great care to ensure that your tenancy agreement is always drawn up in two languages (Spanish and English or German) in order to be legally valid in Spain.

In addition to the monthly rent, there may be additional costs for electricity, water, gas or heating oil, telephone and internet connection, insurance if applicable, as well as the annual waste disposal fee and possibly also council tax. As a rule, the community costs for the maintenance of the facilities are already included in the rent.

In the case of detached houses and fincas, there may be additional costs for the gardener and pool service.

It is the landlord’s responsibility to ensure that the property is functional and habitable. Minor cosmetic repairs due to normal wear and tear or repairs due to misuse are the tenant’s responsibility. At the end of the contract, the tenant should return the property in a comparable condition, taking into account normal daily wear and tear.

Under Spanish law, in the case of residential properties, the landlord pays the commission. In case of commercial premises, the real estate agent’s commission will be paid by the tenant.

For long-term rentals, this amounts to 1.5 months’ rent plus VAT (21% IVA).

A NIE number is not mandatory for renting a property. It is necessary if you want to open a bank account.

No, it is not compulsory to have a bank account in Spain. The rent can be transferred to the landlord from any bank account and most utility companies such as electricity, water, internet, gas, … already direct debit payments to any European bank account.

Descargue nuestra lista de verificación de compra de propiedad gratuita ahora

Download our free real estate purchase-checklist now!

Laden Sie sich jetzt unsere kostenlose Immobilienkauf-Checkliste herunter

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