Property Purchase in Andorra
We accompany you throughout the entire process of acquiring your property in the Principality. From search to notary signing, with expert advice at every step.
Buying property in Andorra: what you need to know
Andorra offers a clear and secure legal framework for real estate investment. Foreigners can purchase properties in the Principality, although there are some particularities depending on their residence status. Residents can buy without restrictions, while non-residents need to obtain a foreign investment authorization from the Govern d'Andorra, a procedure managed by the notary that is usually resolved within a few weeks.
Acquisition costs in Andorra are competitive compared to other European countries. The Impost de Transmissions Patrimonials (ITP) is 4% on the transaction value, plus notary fees (approximately 0.1-0.5% depending on value) and registration costs. There is no wealth tax or inheritance tax between direct family members, making Andorra an attractive destination for long-term real estate investment.
Bank financing is available for both residents and non-residents, although conditions vary. Andorran banks typically finance between 60% and 80% of the appraised value, with terms up to 25-30 years. Interest rates are competitive with fixed, variable and mixed rate options available. Our team helps you compare offers from different entities to find the best option.
Our purchase services
Comprehensive support at every phase of the acquisition process, from the first visit to key handover.
Personalized Search
We identify properties that match your criteria: location, type, budget, specific features and investment potential.
Market Analysis
We evaluate each property's price relative to the market, analyzing recent comparables and area trends to ensure a sound investment.
Complete Due Diligence
Registry, urban planning, technical and legal verification of the property before formalizing any purchase commitment.
Financing Management
Processing with Andorran banks, mortgage offer comparison, and support throughout the application and approval process.
Negotiation
We represent your interests in price and conditions negotiation, always seeking the best possible agreement.
Notarial Coordination
Document preparation, notary coordination, foreign investment authorization management if applicable, and support at signing.
Protect your investment with professional verification
In collaboration with Andorra Buyers, we offer a real estate due diligence service that guarantees the security of your purchase before signing.
Andorra
Buyers
Purchase process
Criteria definition
We analyze your needs, budget and objectives to define the ideal property profile and search strategy.
Search and viewings
We select properties that meet your criteria, organize viewings and provide detailed information on each option.
Reservation and due diligence
Once the property is chosen, we formalize the reservation while conducting all necessary verifications before purchase.
Signing and handover
We coordinate the notary signing, manage payments and accompany you at the key handover of your new property.
Start your search
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Frequently Asked Questions
Yes, foreigners can buy properties in Andorra without restrictions. European Union citizens benefit from a simplified process, while non-EU non-residents need to obtain a foreign investment authorization from the Govern d'Andorra. This procedure is managed by the notary and typically resolves in 4-6 weeks.
Acquisition costs in Andorra are competitive compared to other European countries. They include: Property Transfer Tax (ITP) of 4% on the purchase price, notary fees between 0.1% and 0.5%, and registration fees between 0.1% and 0.3%. In total, costs represent approximately 5-6% of the purchase price.
Yes, Andorran banks offer mortgage financing to both residents and non-residents. They typically finance between 60% and 80% of the appraised value, with terms of 15 to 25 years. Interest rates are competitive with fixed, variable, and mixed rate options available.
The complete purchase process usually takes between 2 and 4 months from offer acceptance to deed signing. Phases include: negotiation and reservation contract signing (1-2 weeks), due diligence and property verification (2-3 weeks), financing if applicable (3-4 weeks), and notary signing.
Due diligence is a comprehensive analysis of the property before formalizing the purchase. It includes verification of registry status, checking permits and urban planning licenses, technical inspection of the property condition, and independent market valuation. It is essential to protect your investment.
No, the real estate commission is paid by the seller, not the buyer. The buyer receives our complete advisory service at no additional cost.
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