Buying an apartment in Andorra: the full process, step by step
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The short answer
Buying in Andorra follows a nine-step process, from setting the budget to handing over the keys. Non-residents must also obtain prior authorisation. Costs and taxes are detailed on a dedicated page, with dated values.
The process
- Set the budget: price, costs, works, charges. See costs and taxes.
- Open a bank account: essential. See personal account.
- Choose the parish. See parishes.
- View and compare properties. See listings.
- Make an offer and sign the preliminary contract.
- Obtain financing where applicable.
- Obtain authorisation if you are a non-resident. See non-residents.
- Sign the deed at the notary's and pay the duties.
- Take possession: energy contracts, insurance, property manager.
To check before making an offer
- Co-ownership charges and the condition of the building.
- The mortgage situation of the property.
- Easements and planning rules (especially for a plot of land).
- Taxes payable by the buyer: 4 %verified on 09/10/2026.
Purchase benchmarks
| Subject | Benchmark |
|---|---|
| Transfer tax | 4 %verified on 09/10/2026 |
| Non-resident tax | 6 %verified on 09/10/2026 first property, 10 %verified on 09/10/2026 beyond the limits |
| Acquisition limit | one single-family dwelling or two apartments (or studios) with their outbuildings, and a maximum of six parking spacesverified on 09/10/2026 |
| Average price of an apartment | 4,569.70 €/m²verified on 09/10/2026 per m² (Q2 2026) |
Depending on your situation
- Resident: costs and taxes.
- Non-resident: buying as a non-resident.
- To invest: investing.
Use the limit checker and the costs simulator before making any promise.
Property purchase costs in Andorra: taxes, notary and fees
On top of the purchase price come a property transfer tax, notary and registration fees, possibly agency fees and, for a non-resident, specific taxes. The rates are shown below with their verification date.
ReadBuying in Andorra as a non-resident: authorisation and ceilings
A non-resident may buy in Andorra after prior authorisation from the Govern, within the limit of one individual dwelling or two apartments with their annexes. A foreign investment tax of 6 % (first property) to 10 % is added to the price.
Read
Frequently asked questions
What are the main steps of a purchase?
Budget, search, viewing, offer, preliminary contract, financing, authorisation if required, authentic deed, registration and handover of the keys.
Do I need a notary?
The sale deed is an authentic deed executed before a notary. The same will apply to most property transactions.
How long does a purchase take?
Several months for a non-resident, because of the prior authorisation; less for a resident.
Can I borrow from an Andorran bank?
Yes, depending on your profile and your status. Conditions vary from one bank to another.
Can a foreigner buy in Andorra?
Yes, with prior authorisation, an acquisition limit and a specific tax.
What is the total cost of a purchase?
Price, transfer tax, non-resident tax where applicable, notary: see the costs and taxes page.
Going further
Official sources
This information is general and is not personalised legal, tax or financial advice. It is verified as of the date shown and may change.