Plan your Spanish mortgage

Mortgage calculators

Plan your Spanish mortgage

Choose a calculator and adjust the numbers for an indicative estimate.

1. Buyer profile

Spanish tax residency

Applicants

Applicant age35 years

Property

Purchase region

2. Your finances

Net monthly income€3,000Available savings€80,000Financing percentage80 %Interest rate3.65 %Mortgage term30 yearsMaximum term is calculated so that the oldest applicant is no more than 80 at the end of the mortgage.Agency commission3% + IVA

3. What you can buy

Maximum property price€238,224Limited by available savings

Loan amount€190,57980% financing

Estimated monthly payment€871.8229% of your income

4. Purchase cost breakdown

Total cash needed upfront€80,000

Down payment (20%)€47,645

Total purchase costs€32,355

Transfer tax — ITP (9%)€21,440

Notary€1,072

Land Registry€596

Gestoría€300

Appraisal (tasación)€300

Estate agency commission (3% + IVA)€8,648

Standard ITP is included. Select a qualifying relief in section 5 to compare your budget.

The estimate assumes that the taxable value equals the purchase price. A higher reference or other statutory tax value can increase ITP and change eligibility. Confirm the conditions, required documents and occupation periods before signing.

This calculator provides an indicative simulation only and does not constitute a mortgage offer, tax advice or confirmation of eligibility. Lending criteria, taxes, costs and public support programmes depend on the lender, property, region and the applicant’s individual circumstances.

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