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Mortgage Calculator

Calculate your monthly payment and total mortgage cost for a Spanish property

Loan parameters
€
€50k€2M
30% — €90,000
20%50%
€

We use this figure to estimate your affordability (payment-to-income ratio).

Typical Spanish bank requirements
  • NIE (Foreigner Identification Number)
  • 6 months of bank statements
  • Last 3 payslips or tax declaration
  • Employment contract or business documentation
  • Property appraisal report
Financing limits
  • Residents: maximum 80% LTV
  • Non-residents: maximum 70% LTV
Results

Monthly payment

€1,051

/ month

Estimated affordabilityiHigh: exceeds 40% of your income
Loan amount€210,000
Total interest paid€105,393
Total cost of loan€315,393
Loan-to-value ratio (LTV)70.0 %
Additional purchase costs

Add ~12% to the purchase price: ITP (10%), notary, land registry, and management fees.

Price + costs (~12%)

€326,100

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