What it is
Stamp duty levied on notarised documents in Spain. For new-build property purchases financed by a mortgage, AJD typically applies to both the purchase deed and the mortgage deed. Since 2018 legislation, lenders bear the AJD on mortgages. This is a core term in the Costa del Sol property purchase process and one buyers frequently encounter during due diligence.
Why it matters for international buyers
Understanding AJD — Actos Jurídicos Documentados is part of the standard due diligence framework for any foreign buyer purchasing on the Costa del Sol. A Spanish property lawyer (abogado) will handle the mechanics, but buyers who understand the term can ask better questions and interpret advice more accurately.
This entry is reviewed by the Listyco editorial team. It is not legal advice; instruct a Spanish lawyer for your specific position. Last reviewed April 2026.