New Build Properties on the Costa Blanca in 2026: Payment Plans & Buyer Guide
One of their biggest advantages? Flexible payment plans. In this guide, we’ll explore why buyers love new builds, the types of payment plans available, and how to navigate the buying process.
New build properties offer benefits that older homes often can’t match:
Modern design and efficiency: Open-plan layouts, energy-efficient heating and cooling, and contemporary finishes.
Lower maintenance costs: Brand-new materials reduce the need for immediate repairs and save on utilities.
Legal protection and warranties: Spanish law guarantees up to 10 years for structural defects, 3 years for water-related issues, and 1 year for finishing touches.
Amenities and community living: Pools, gyms, landscaped gardens, and secure complexes are common.
For investors, new builds also rent well and maintain value better than older properties.
One of the biggest advantages of new builds is flexible payment plans. These allow buyers to spread the cost over construction, reducing upfront cash needs.
The most common approach ties payments to construction milestones:
| Stage | Payment |
|---|---|
| Reservation | €3,000 – €10,000 |
| Contract signing | ~20–30% |
| Foundation complete | ~10–15% |
| Walls and structure | ~10–15% |
| Roof & exterior | ~10–15% |
| Final completion | Remaining balance + VAT & fees |
Bank guarantees protect all payments until completion.
Some developers allow buyers to delay larger payments until later stages or even after completion. This can be useful if buyers are waiting for financing or selling another property first.
Certain projects offer fully tailored plans, such as:
Interest-free installments over 18–36 months.
Quarterly or bi-monthly payments.
Split payments separating land, construction, and taxes.
These are usually negotiated directly with the developer.
Some buyers use a staged mortgage, where banks release funds as construction progresses. This reduces the upfront cash required and aligns financing with the project schedule.
Besides the property price, buyers should budget for:
VAT (IVA): 10%
Stamp Duty (AJD): 1.2–1.5%
Notary & registry fees: ~€1,500–€3,500
Legal/conveyancing fees: ~€1,500–€5,000
These costs are separate from the staged payments.
Sign a reservation agreement with a small deposit.
Obtain your NIE (tax ID number).
Open a Spanish bank account.
Sign the purchase contract and pay the first installment.
Make payments tied to construction milestones or your chosen plan.
Receive handover and final payment once the property is ready to occupy.
Working with a reputable lawyer and estate agent ensures your payments and guarantees are secure.
Top spots for new builds on the Costa Blanca include:
Orihuela Costa – strong rental demand and beaches
Torrevieja – good infrastructure and variety of properties
Guardamar del Segura – balance of lifestyle and price
Central Alicante – urban convenience with coastal access
These areas cater to buyers seeking everything from beachfront apartments to luxury villas.
Costa Blanca new builds offer modern homes, strong investment potential, and flexible payment plans. Whether buyers prefer standard staged payments, deferred plans, or customized installments, developers are more flexible than ever.
For lifestyle buyers or investors, new builds are a practical and secure way to enjoy Spain’s coast — without the surprises that can come with older properties.