Spanish Mortgage Pre-Qualification
Discover your eligibility for Spanish property investment financing
Income Information
Please provide your monthly income details to help us assess your mortgage eligibility.
Spanish Mortgage Requirements
Spanish banks typically assess your ability to repay based on your debt-to-income ratio. They generally require that your total debt payments (including the new mortgage) don't exceed 35-40% of your net monthly income.
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Understanding Loan Amount
The loan amount is the total sum you borrow from the lender. In Spain, this is typically 60-80% of the property value, depending on your residency status. The remaining amount must be covered by your down payment.
Understanding Interest Rates
Spanish mortgages typically offer both fixed and variable rates. Fixed rates currently range from 2.5-4.5%, while variable rates are usually Euribor plus 1-2%. Non-residents typically pay 0.5-1% higher rates than residents.
Understanding Loan Term
The loan term is the period over which you repay your mortgage. In Spain, terms typically range from 5-30 years. Longer terms mean lower monthly payments but more interest paid over the life of the loan. For non-residents, maximum terms are often shorter (20-25 years).
Michael Johnson
United Kingdom
"¡Hola Invest! made the mortgage pre-qualification process incredibly simple. Their detailed breakdown of costs and requirements was exactly what I needed to make an informed decision."
Sophie Laurent
France
"As an EU resident, I wasn't sure about the Spanish mortgage process. ¡Hola Invest! clarified everything and connected me with a specialist who guided me through the entire process."
David Chen
United States
"The recommendations from ¡Hola Invest! were spot-on. I followed their advice to increase my down payment, and it significantly improved my mortgage terms. Excellent service!"
Ready to Take the Next Step?
Our Spanish mortgage specialists are ready to help you navigate the process.