Twenty-two villas with pools and sea views on the Costa Tropical — acquired through a non-profit cooperativa at cost price, approximately 20% below conventional market value. Bank-guaranteed, notarially secured.
In a Spanish housing cooperativa, buyers collectively commission their own villas. There is no developer in between — and therefore no developer's margin, no commercial mark-up, no VAT on the construction. The result is a finished home, approximately 20 % below the equivalent property bought on the open market.
Cooperativa members are exempt from the 10–11 % VAT that applies to new-build purchases from a developer. You save it from the very first euro.
You are not buying from a developer who needs to earn a profit. You are buying your share of the cooperativa, at the actual cost of land, construction and management.
On a 500 K€ villa, that is approximately 100.000 € you keep — or invest in the home itself: kitchen, materials, smart-home, finishes. Llave en mano, your way.
The cooperativa model is regulated under Spanish law and explained in detail by Core Gestión, an independent reference on cooperativa management in Spain.
There is a place where a home in Spain is earned, not bought. Where the price reflects the cost of building, not a developer's margin.
Casalia Homes was founded to open this model to Northern European buyers. We are not a brokerage. We are the bridge between you and Tau Gestión Cooperativas, an institution founded in 1985 that has never seen a single project fail in four decades.
Entered from the upper level, the gaze falls straight to the open sea. Three floors, private pool, generous terraces that follow the sun.
Entered from the garden level, oriented to the sunset. Pool on the lower floor, sheltered terraces, the largest outdoor space of the three models.
The efficient choice: compact, bright, with a pool in the lower level and a terrace facing the sea. Ideal as a second home or a considered investment.
Three levels per villa — lower floor, ground floor, upper floor. 167 m² built area, pool and terraces included.
Behind every cooperativa stand three institutions. We have surrounded ourselves with the most respected.
"Since 1985 we have accompanied Spanish cooperativas. Across four decades, not a single project of ours has failed. Each villa is built by top-tier construction firms — financially and technically."
"Every euro you deposit is secured by a bank guarantee under the Spanish Building Act (Ley 38/1999, as modified by Ley 20/2015). Should construction not begin or finish on time, your money is returned with legal interest."
"Santander, BBVA and additional foreign-friendly banks finance international buyers — typically up to 70 % loan-to-value. Advice in your home country, contract in Spain. Our legal team handles NIE, anti-money-laundering clearance and Spanish bank accounts for you."
Buying a home in another country can feel uncertain. It needn't. Two independent professionals — a multilingual lawyer and a notary in Málaga — guide every step of your purchase.
An independent lawyer and economist who advises every international buyer through the legal, fiscal and bureaucratic process. NIE application, anti-money-laundering clearance, Spanish bank account, cooperativa statutes — handled in your language.
The notarial office that holds your deposit in escrow and witnesses every contractual step. Located in central Málaga, recognised by the Spanish College of Notaries.
Personal consultation by email, video or in person — in English, German, Swedish, Finnish, Russian and Spanish.
No risk before mortgage approval. Clear, protected, at your pace.
A deposit into a notarial escrow account at the Málaga notary's office secures your villa.
Your equity contribution, which covers the land, the building licence and the start of construction. Every euro paid is protected by an individual bank guarantee.
The remainder, paid from the start of construction through a Spanish mortgage — Santander, BBVA, or one of the foreign-friendly banks we work with. Comfortable instalments, or in cash if you prefer.
The listed price is for a complete, ready-to-live villa — finished kitchen, finished bathrooms, climate control, all surfaces. Step inside on day one. Or, before construction begins, configure the home to your taste.
Personalisation options are agreed before construction begins and priced transparently — at cost, with no developer mark-up.
A non-profit structure in which future owners join together to build their homes at cost. There is no developer between you and the project, so there is no developer's margin and no VAT on construction — together they account for the saving of approximately 20%.
Two elements. As a cooperativa member you are exempt from VAT on construction (around 11%), and there is no developer's profit margin (around 9%). You pay the actual cost of land, licence and building — nothing more.
Every payment is secured by a bank guarantee under the Spanish Building Act (Ley 38/1999, modified by Ley 20/2015) and held in a notarial account. If the project does not proceed, your funds are returned. The structure is overseen by Tau Gestión Cooperativas, founded in 1985, with no failed project in four decades.
Yes. Non-resident buyers from the EU and beyond can join the cooperativa. A multilingual lawyer and notary guide the process, and Spanish banks (Santander, BBVA and foreign-friendly lenders) offer mortgages of up to 70% of value.
A complete, ready-to-live villa: finished kitchen with appliances, finished bathrooms, climate control, private pool, terraces, garden and garage as per plan. Before construction begins you may also configure finishes and materials at cost.
Construction begins in late summer, once the building licence is granted. All 22 villas are currently available.
Casalia Homes was founded because international buyers in Spain too often encounter language barriers, opaque contracts and questionable developers.
We are the translators, the auditors, the companions. We choose what is worth choosing. We understand the legal subtleties. We hand you the pen at signing — and step back afterward.
What remains: your keys. And the certainty of having done the right thing.
No call centres. No standard emails. A personal advisor will respond within 24 hours — in your language.