🧮

Buyer tools

Calculate your mortgage, purchase costs and investment returns. All free, no sign-up.

Property price

50K€300,0003M

Down payment (30%)

10%€90,000100%

Term (25 years)

530

Fixed interest rate (2.8%)

1%6%

Estimated monthly payment

€974/mes

€210,000Principal

€82,241Total interest

€292,241Total to pay

Indicative calculation. Non-residents: financing up to 60-70%. Consult a mortgage broker.

FAQ

Do I need an NIE to buy?

Yes. The NIE is mandatory. An agency processes it in 2-3 weeks (~€100).

How much are purchase taxes in Spain?

10-13% extra: Transfer Tax 10% (resale) or VAT 10% + Stamp Duty 1.5% (new build), notary ~0.5%, registry ~0.3%, lawyer ~1%. Use the calculator above.

Can foreigners get a mortgage?

Yes. Up to 60-70% of value for non-residents, fixed rates 2-3%. A mortgage broker handles everything.

How long does it take?

6-10 weeks (deposit → deed). With mortgage: 8-12 weeks.

What taxes do I pay as owner?

IBI (~0.4-1.1% cadastral value/year), waste tax (~€150/year), and if non-resident: IRNR (~0.5% cadastral value/year).

Find your ideal property and contact the agency directly.

Cargando...