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€871.82Maximum 40% of net monthly 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

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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