Buying Property in Andorra: Your Complete Guide
Buying property in Andorra is one of the best investment and lifestyle decisions, but it means understanding the process well: from foreign investment authorisation to transfer taxes. On this page we explain how to buy step by step and guide you so that everything is simple and secure.
How to buy a property in Andorra, step by step
1. We define what you're looking for: property type, area, budget and purpose (residence or investment). 2. We select verified properties that match your profile. 3. We arrange viewings and give you an objective assessment of each option. 4. We negotiate the best price and terms on your behalf. 5. We handle the foreign investment authorisation (if applicable) and coordinate financing. 6. We accompany the signing before the notary and the handover of keys.
What taxes do you pay when buying in Andorra
The purchase is taxed under the Property Transfer Tax (ITP) at 4%. For non-resident buyers or residents of less than 3 years, the tax on foreign real estate investment is added: an extra 6% on the first property (10% in total) and an extra 10% from the second onwards (14% in total). → See all the details on the
taxation in Andorra page.
Where to buy: choosing the parish
Price and property type vary greatly by area: the capital and Escaldes concentrate central flats and penthouses;
La Massana and
Ordino, houses and chalets;
Canillo and
Encamp, ski-in/ski-out properties;
Sant Julià, homes with gardens at more competitive prices. We help you choose according to your goal.
Buying to invest
Andorra offers attractive returns through high-end holiday rentals (ski areas) and residential rentals in the capital, where demand is the highest in the country. If you're
buying to invest, we advise you on the areas with the best appreciation and yield.
Shall we start looking for your property?
Tell us what you're looking for and we'll propose the best options on the market, including properties not yet listed.
FAQS
How much does it cost to buy a flat in Andorra?
Prices vary greatly depending on the parish and type of property. The central areas of Andorra la Vella and Escaldes and luxury properties reach the highest prices per square metre, while Sant Julià de Lòria or Encamp offer more competitive options. We give you a valuation tailored to what you're looking for.
Can you get a mortgage in Andorra as a foreigner?
Yes. Andorran banks grant mortgages to non-residents, typically financing up to 60-70% of the property's value, with terms that depend on your profile. We help you contact the banks and prepare the documentation.
How long does the buying process take?
Once the property is found and the price agreed, the transaction usually closes within a few weeks. If the foreign investment authorisation needs processing, the timeframe may extend slightly; we handle the entire process to speed it up.
