Financing in Spain

How much can you borrow for a property in Spain?

Spanish banks apply different rules than Dutch or Belgian banks. Fill in the form and receive a no-obligation indicative calculation in your inbox - including the total additional costs.

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70%

Up to 70% financing

for non-residents in Spain

35%

Max. 35% of net income

towards housing costs (NL/BE + Spain combined)

50%

50% of rental income

counts as income

25j

Maximum 25-year term

fully repaid before you turn 75

Apply together with a co-applicant

Personal details

First name

Last name

Date of birth

Nationality

Marital status

Email address (required)

Phone number

Living situation

Employment situation

Debts & obligations

Loans / lease per month

€

Alimony per month

€

Credit card outstanding total

€

Rental income (optional)

Gross rental income per month

€

50% of your rental income counts as income.

Own funds & notes

How much savings are available?

€

Home equity in the Netherlands

€

Additional notes

Property to be financed

Estimated purchase price

€

Purpose

Property type

+ Mortgage guidance (1% of the purchase price, optional)

Additional costs — Resale

ITP (7%)	€24,500
Notary fees (0,6%)	€2,100
Lawyer fees (1,21%)	€4,235
Land registry registration (vast bedrag)	€700
Total additional costs	€31,535
Total budget required	€381,535

Your indicative result

Max. based on income (35% rule)

€0

Max. based on 70% LTV

€245,000

Indicative maximum to borrow

€0

Required own contribution

€381,535

Calculated based on 35% of net monthly income, 3,3% interest, a 25-year term and max. 70% LTV.

This calculation is purely indicative and intended as a first orientation. No rights can be derived from this result. This is not financial advice. Final mortgage approval depends on a full assessment by a Spanish bank and may differ from this indication. Casasol Luxury Real Estate is not a financial adviser.

I agree to the privacy statement of Casasol Luxury Real Estate and consent to the processing of my data for the mortgage scan.

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