Finnish buyers,
Spanish property.
The complete data-driven guide for Suomi-speaking investors buying Spanish new-builds in 2026. Tax. Currency. Regions. Live inventory. Numbers.
Why Finnish buy.
Winter sun, retirement, tight Finnish community on the Costas. Most Finnish buyers cluster in Costa Blanca and Costa del Sol, partly for the flight time (Alicante ~4.5h, Malaga ~5h) and partly for the established community networks.
Tax — the 19% number.
Spain levies 19% IRNR (Impuesto sobre la Renta de No Residentes) on rental profit for EEA residents — that is the first number you need to price in. A gross 6% yield becomes 4.9% net of IRNR, before management (15–20%), community fees, IBI (~0.4% of cadastral), and insurance.
Finland has no wealth tax. Rental income taxable in Finland; Spanish IRNR credited under treaty.
The Finland–Spain double-tax treaty means Spanish tax paid is credited against your home-country liability — you don't pay twice.
Currency — EUR.
You're already in euro — no FX friction. The cleanest buyer currency in Spain.
Top matches for your budget.
· Live
New Bungalows and Townhouses in Cox, Alicante
Cox, Alicante
€255 000
Modern Townhouses in Dolores with comunal pool
Dolores, Alicante
€259 000
New build villas in Pinoso on rural plots
Pinoso, Alicante
€356 000
New Build Apartments in Jacarilla, Alicante – Tranquility and Comfort
Jacarilla, Alicante
€158 500
New Build Apartments in Jacarilla, Alicante – Tranquility and Comfort
Jacarilla, Alicante
€170 000
New Build Apartments in Jacarilla, Alicante – Tranquility and Comfort
Jacarilla, Alicante
€187 000
Common questions.
What tax do Finnish buyers pay on Spanish rental income?+
Finnish buyers pay 19% IRNR on rental profit in Spain. The Finland–Spain double-tax treaty prevents double taxation.
What is a realistic Finnish budget for Spanish property in 2026?+
Most Finnish buyers in 2026 work within €200 000 – €600 000 for new-build property, with strong clustering in Costa Blanca and Costa del Sol.
Can Finnish citizens get a Spanish Golden Visa?+
Finnish citizens are EEA nationals with automatic right of residence in Spain. Golden Visa isn't needed — standard EU registration applies.
Does Finland tax Spanish property in a punitive way?+
Finland has no wealth tax. Rental income taxable in Finland; Spanish IRNR credited under treaty.
How long do Finnish flights to the Costas take?+
Helsinki · Alicante ~4.5h · Malaga ~5h
The rest of the terminal.
1,881 scored Spanish new builds. 25 autonomous systems running daily. Start with the top deals or ask the Oracle.