Mortgage Calculator
Calculate monthly mortgage payments and total cost for your Spanish property
Use this calculator to estimate your monthly mortgage payments for property in Spain. Spanish banks offer mortgages to both residents and non-residents, though terms differ. This tool provides approximate figures — for a binding offer, contact a Spanish mortgage broker.
Mortgage-Associated Costs
Residents can typically borrow up to 80% LTV, non-residents up to 70% (bank policy, not a legal limit). Variable rates are based on Euribor + bank spread and are reviewed periodically.
Calculation Results
First Year Breakdown
Last Year Breakdown
Cost breakdown
Banks do not finance purchase taxes and fees: they come out of your own funds, on top of the down payment.
Amortization Schedule
These calculations are estimates only. Actual costs may vary depending on individual circumstances, property details, and current regulations. Please consult a qualified professional for accurate figures.