Boliglån i Spania
Pantemegler
Det er vi
Boliglånsmegler i Spania
De ledende finansieringsekspertene
OM OSS
I Mortgage in Spain.es er vårt oppdrag å hjelpe folk til å kjøpe bolig i Spania gjennom ansvarlige boliglån skreddersydd til deres behov.
Vi har tilfredsstillende avtaler med de beste bankene i Spania og vi kan tilby deg en boliglånsrådgivningstjeneste med 0 % megleravgift
Vi studerer saken din, diskuterer med noen banker og tilbyr deg de beste betingelsene i henhold til dine spesielle behov og den samlede vurderingen av din boliglånsmappe. Vi kan få et boliglån med fast, variabel eller blandet rente med de beste betingelsene på det spanske boliglånsmarkedet.
Pantesøknaden har ingen innvirkning på kredittrapporten din før du signerer det aksepterte boliglånstilbudet hos notarius publicus.
Våre mer enn 15 års erfaring i det spanske bankmarkedet er en garanti for suksess.. Vi vil enkelt veilede deg gjennom den komplekse prosessen med boliglånsfinansiering i Spania og forklare deg hvor mye du kan låne fra en spansk bank, hvor mye dette går på. til å koste deg, kontantinnskuddet du trengte og nøyaktig hvilke dokumenter du må sende inn. Hos oss er det enkelt å få boliglån i Spania.
Du vil få den beste servicen fra et flerspråklig boliglånsrådgiverteam som er fullt sertifisert i henhold til den spanske boliglånsloven (LCCI 5/2019). Vi blar gjennom og analyserer alle relaterte kostnader til ditt boliglån i Spania for å kunne tilby deg et kortfattet og profesjonelt råd: bankordningsgebyrer, provisjoner for tidlig tilbakebetaling, skatter, verdivurderinger og mer.
Den beste måten å få boliglån i Spania
Spar tid og penger
Vi håndterer hele boliglånsprosessen for deg, og eliminerer behovet for å besøke flere banker for å sikre den beste avtalen. Vi samarbeider med noen av de beste bankene i Spania, som spesialiserer seg på boliglån for ikke-residenter, for å finne det beste tilbudet skreddersydd for dine spesifikke omstendigheter.
Profesjonell støtte
Boliglån i Spania drives av sertifiserte bankfolk med erfaring fra spanske banker. Vi spesialiserer oss på boliglån utenlands.
0 % meglergebyr
Du betaler ikke noe for våre tjenester. Vår mer enn 15 års erfaring gjør våre bankavtaler vellykkede.
Støtter deg med flerspråklige rådgivere
Som boliglånsmegler som opererer i Spania, forstår vi at å kjøpe en eiendom i et fremmed land kan være en skremmende og kompleks prosess. Spania er et populært reisemål for ikke-innbyggere som ønsker å investere i eiendom, enten det er for personlig bruk eller som en leieinntektsinvestering. Som sådan er vi dedikert til å gi ikke-innbyggere all nødvendig informasjon for å hjelpe til med å ta informerte beslutninger om deres boliglånsalternativer i Spania.
For det første er det viktig å forstå at ikke-innbyggere kan få boliglån i Spania, akkurat som innbyggere kan. Imidlertid kan prosessen og kravene variere noe. Beløpet på boliglån tilgjengelig for ikke-beboere er vanligvis lavere enn det som er tilgjengelig for innbyggere, og rentene kan også være høyere. Dette er fordi långivere oppfatter ikke-residenter som låntakere med høyere risiko, da de ikke har en permanent tilstedeværelse i Spania.
Søknadsprosessen for boliglån for ikke-beboere er rett frem. Det er imidlertid visse krav som må oppfylles. Ikke-bosatte må fremlegge bevis på inntekt, for eksempel lønnsslipper eller kontoutskrifter, og kan måtte oppgi ytterligere dokumentasjon, for eksempel et skatteidentifikasjonsnummer. Långivere vil også kreve bevis på ansettelse og inntektskilden.
Når det kommer til hvilke typer boliglån som er tilgjengelige for ikke-bosatte i Spania, er det flere alternativer. Fastrentelån er populære, da de gir sikkerhet og stabilitet i månedlige betalinger. Boliglån med variabel rente er også tilgjengelig, men de kan være mer volatile da de er knyttet til Euribor-renten.
Til slutt er det viktig å samarbeide med en boliglånsmegler som er kjent med det spanske boliglånsmarkedet og kan veilede deg gjennom prosessen. Hos meglerhuset vårt har vi erfarne fagfolk som kan gi personlig rådgivning og hjelpe deg med å finne det beste boliglånet for dine behov.
Oppsummert kan ikke-residenter få boliglån i Spania, men prosessen og kravene kan avvike noe fra de som gjelder for innbyggere. Det er viktig å samarbeide med en megler som kan veilede deg gjennom prosessen og hjelpe deg med å finne det beste boliglånet for dine behov.
Få et boliglån i Spania
Boliglån i Spania. Generell informasjon
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When evaluating a mortgage application, Spanish banks conduct a thorough financial assessment to determine whether an applicant is creditworthy. They require credit reports from both your home country and country of residence to: ✅ Verify Your Financial Health – Ensure you have a good history of managing debts responsibly. ✅ Check for Undisclosed Liabilities – Spanish banks need to confirm that you do not have additional mortgages or loans that were not initially declared. ✅ Assess Your Repayment Ability – By analyzing your debt-to-income ratio, banks determine whether you can afford a Spanish mortgage without financial strain. Having a clean and transparent credit history significantly improves your chances of mortgage approval. Any discrepancies or missing information may lead to delays or even rejection. How to Obtain Your Credit Report Online in Europe? To streamline your mortgage application, you should obtain your credit report in advance . Below is a list of official websites where you can request your credit report online from different European countries: 🔹 United Kingdom – http://www.equifax.co.uk or http://www.experian.co.uk 🔹 Germany – http://www.meineschufa.de 🔹 France – http://particuliers.banque-france.fr 🔹 Italy – http://www.bancaditalia.it/compiti/vigilanza/centrale-rischi 🔹 Spain – http://www.bde.es/wbe/es/para-ciudadano/gestiones/informacion-riesgos-cir 🔹 Netherlands – http://www.bkr.nl 🔹 Belgium – http://www.nbb.be/en/central-credit-individuals 🔹 Austria – http://www.ksv.at 🔹 Sweden – http://www.uc.se 🔹 Denmark – http://www.experian.dk 🔹 Switzerland- https://www.zek.ch/ 📌 Tip: Make sure your credit report is recent and accurate before submitting your mortgage application to avoid any unnecessary complications. How Does Your Credit Report Affect Your Spanish Mortgage Approval? Your credit report is a critical factor in determining your mortgage terms. Here’s how it impacts the approval process: 📉 Interest Rate – A strong credit history may qualify you for better interest rates, whereas a poor report could lead to higher rates or rejection. 💰 Loan Amount – Spanish banks assess your creditworthiness to decide how much they are willing to lend you. ⚠️ Red Flags – If your report shows late payments, defaults, or high outstanding debt , it can raise concerns and lead to additional scrutiny or rejection. Ensuring your credit report is in good standing before applying for a mortgage is one of the best ways to secure favorable loan conditions. What Happens If There Are Errors in Your Credit Report? ❗ Mistakes in your credit report can delay or even jeopardize your mortgage approval. If you find errors, take the following steps: 1️⃣ Contact the Credit Agency – Request a correction and provide any necessary documents to support your claim. 2️⃣ Notify the Spanish Bank – If you have already submitted your mortgage application, inform your lender about the error. 3️⃣ Provide Alternative Proof – If a correction takes time, provide additional financial documents to demonstrate your ability to repay the mortgage. Why Choose Mortgage in Spain.es Mortgage Broker ? Applying for a mortgage as a non-resident in Spain can be complex. Mortgage in Spain Mortgage Broker simplifies the process and offers exclusive advantages: 🌍 Experts in Non-Resident Mortgages 15+ years of experience specializing in mortgages for non-residents. In-depth knowledge of Spanish bank requirements. We are a mortgage broker licensed by the Bank of Spain 🏦 Strong Relationships with Spanish Banks Direct access to major Spanish banks. Negotiation of the best mortgage terms for you. 📑 Hassle-Free Documentation Process Assistance in obtaining, reviewing, and translating your credit report. Ensuring all paperwork is complete and properly submitted. 💰 No Hidden Fees – We Are Paid by the Bank Our services are free for you – the bank pays our commission. No surprise costs or extra charges. 🔗 Additional Services to Facilitate Your Purchase Connection with real estate agents, lawyers, and currency exchange companies . Support for utilities setup and property management. ⏳ Fast, Professional, and Secure Process We handle everything from application to mortgage approval . Expert guidance every step of the way. 📌 Partnering with Mortgage in Spain Mortgage Broker means saving time, avoiding stress, and ensuring you get the best mortgage possible in Spain. Final Thoughts: Make Your Mortgage Application Stronger ✅ Check your credit report before applying for a mortgage. ✅ Ensure all information is accurate and up to date. ✅ Partner with experts like Mortgage in Spain Mortgage Broker to navigate the process smoothly. 💡 Ready to apply for a mortgage in Spain ? Contact us today for a free consultation! 📧 Contact Us
Building your dream home in Spain is an exciting journey, but securing financing for a self-build mortgage can be complex, especially for non-residents. Unlike a standard mortgage for a completed property, a self-build mortgage is structured in phases, with funds released progressively as construction progresses. If you are considering a self-build project in Spain , this guide will walk you through how self-build mortgages work, the requirements, and how Mortgage in Spain Mortgage Broker can help you navigate the process smoothly. How Does a Self-Build Mortgage Work in Spain? A self-build mortgage is a type of construction loan that provides financing for building a property from scratch. Instead of receiving the full loan amount upfront, the bank releases funds in stages based on the progress of the construction, verified through periodic valuations. Stages of a Self-Build Mortgage in Spain Initial Release – 50% of the Purchase Price of the Land Once you have purchased the land, the bank will release an initial 50% of the land purchase price . If the land is already fully paid, this amount will be included in the total mortgage and can be used to start construction. Progress-Based Disbursements As construction progresses, the bank will release additional funds based on an agreed construction schedule . These payments are made following interim valuations , conducted by an official appraiser who verifies that the construction milestones have been met. Final Payment – 15% Released Upon Completion The last 15% of the loan is released once the final construction certificate (Escritura de Fin de Obra) is issued. This ensures that all necessary approvals and permits are in place before the full loan amount is provided. Key Considerations When Applying for a Self-Build Mortgage in Spain Choosing a Reliable Construction Company Spanish banks require that you work with a professional, licensed, and experienced construction company . A detailed contract, including construction plans, timeline, and budget, will be required as part of your mortgage application. Urban Planning Regulations & Land Classification Before purchasing land, it is essential to check the local urban planning regulations : Urban land (Suelo Urbano) – Generally easier to finance, but some banks still impose restrictions unless the construction project exceeds €150,000 . Rural land (Suelo Rústico) – Financing for self-build projects on rural land is much more restrictive. In most cases, banks will only consider financing if the construction budget exceeds €400,000 , ensuring the project is of high value and meets strict planning regulations. Always consult with a lawyer to verify that the land complies with local zoning laws and that the necessary building permits are in place before applying for a mortgage. Self-Build Mortgage Requirements for Non-Residents Spanish banks apply strict lending criteria for self-build mortgages, particularly for non-residents . Here are the key requirements: 1. Loan-to-Value (LTV) Ratio Maximum 70% of the total project cost (including land purchase and construction expenses). You must provide at least 30% in personal funds , plus additional costs like taxes and fees. 2. Debt-to-Income Ratio (DTI) Your total monthly debt payments (including the new mortgage) must not exceed 35% of your net income . Banks only consider current income , meaning they do not accept future rental income projections . 3. Employment & Financial Stability A stable job or proven income source is crucial. Most banks prefer clients with permanent contracts (for employed applicants) or consistent business income (for self-employed applicants) . 4. Required Documents Architectural plans and construction budget Building permit from the local town hall Land ownership certificate Proof of personal savings (to cover your 30% deposit) Recent tax returns & bank statements Employment contract or proof of business income Understanding the Project Valuation The valuation (tasación) of a self-build project is a crucial step in the mortgage approval process. The appraisal verifies that: ✅ The estimated value of the finished property is at least equal to the total sum of the land price and the construction cost . ✅ The project follows market standards to ensure a viable investment for the bank. Banks will only finance projects where the completed property's value is aligned with the investment, minimizing their risk. Exclusive Agreements for Self-Build & Real Estate Investment Financing At Mortgage in Spain Mortgage Broker , we have special agreements with banks that specialize in self-build mortgages , ensuring you access the best financing options for your project. Additionally, if you are considering building a property to sell (real estate development), we can connect you with specialized short-term financing companies that offer tailored solutions for real estate investment projects. Whether you are a developer or an individual looking to finance a construction project for resale , we have agreements with lenders that provide flexible short-term financing solutions. Why Work with Mortgage in Spain Mortgage Broker ? Navigating the complex mortgage process for a self-build project in Spain requires expert guidance. At Mortgage in Spain Mortgage Broker , we provide: ✔️ Access to the Best Mortgage Deals – We work with multiple Spanish banks to find the best financing options for your project. ✔️ End-to-End Support – From checking land regulations to coordinating with architects, appraisers, and banks, we handle the entire process. ✔️ Faster Approval & Better Conditions – Our strong relationships with banks allow us to negotiate the best terms, ensuring a smoother approval process. ✔️ Zero Fees for Our Clients – Our services are paid by the bank, meaning you never receive an invoice from us . ✔️ Legal & Technical Assistance – We can connect you with trusted real estate lawyers, architects, and construction companies . ✔️ Specialized Short-Term Financing for Developers – If you plan to build to sell , we have partnerships with lenders offering short-term financing for real estate investments . Whether you are at the planning stage or ready to apply for your self-build mortgage in Spain , contact us today for expert advice and assistance! 📩 Get in touch now to start building your dream home in Spain
Zakup nieruchomości w Hiszpanii to marzenie wielu obywateli Polski, poszukujących drugiego domu w ciepłym klimacie lub atrakcyjnej inwestycji. Proces zakupu oraz uzyskania kredytu hipotecznego w Hiszpanii różni się jednak od procedur w Polsce, dlatego warto dobrze się przygotować. W tym artykule przedstawiamy kluczowe informacje na temat kredytów hipotecznych w Hiszpanii dla polskich nabywców, w tym wymaganych dokumentów, wysokości finansowania, kosztów podatkowych oraz korzyści płynących ze współpracy z Mortgage in Spain Mortgage Broker. Proces uzyskania kredytu hipotecznego w Hiszpanii Proces uzyskania kredytu hipotecznego w Hiszpanii dla nierezydentów składa się z kilku etapów. Po pierwsze, warto określić budżet i wstępnie sprawdzić zdolność kredytową. Banki hiszpańskie biorą pod uwagę dochody netto, zobowiązania finansowe oraz wkład własny. Kolejnym krokiem jest znalezienie odpowiedniej nieruchomości i podpisanie umowy rezerwacyjnej. Następnie należy zebrać i przedstawić wymagane dokumenty, po czym bank przeprowadza analizę finansową oraz wycenę nieruchomości. Po akceptacji kredytu podpisuje się umowę hipoteczną u notariusza i dokonuje się finalnej transakcji. Podatki i koszty związane z zakupem nieruchomości w Hiszpanii Zakup nieruchomości w Hiszpanii wiąże się z dodatkowymi kosztami, które należy uwzględnić w budżecie. Do najważniejszych należą: Podatek od czynności cywilnoprawnych (AJD) - dotyczy nowych nieruchomości i wynosi od 0,5% do 2% ceny zakupu, w zależności od regionu. Podatek od przeniesienia własności (ITP) - w przypadku zakupu nieruchomości z rynku wtórnego wynosi od 6% do 10%. Podatek VAT (IVA) - w przypadku nowych nieruchomości wynosi 10%. Opłaty notarialne i rejestracyjne - w zależności od wartości nieruchomości wynoszą zazwyczaj od 0,5% do 1%. Koszty prawnika - zaleca się skorzystanie z pomocy eksperta, aby zapewnić bezpieczeństwo transakcji. Zwykle prawnik pobiera opłatę w wysokości 1% wartości nieruchomości. Wysokość finansowania dla polskich nierezydentów Polacy, jako nierezydenci Hiszpanii, mogą uzyskać finansowanie na poziomie do 70% wartości nieruchomości. Oznacza to, że konieczne jest posiadanie wkładu własnego na poziomie co najmniej 30%. Dodatkowo bank bierze pod uwagę zdolność kredytową klienta, przy czym stosunek rat kredytu do dochodów netto nie powinien przekraczać 35%. Kredyty hipoteczne dla nierezydentów udzielane są zazwyczaj na okres od 20 do 25 lat, a oprocentowanie może być stałe lub zmienne, uzależnione od wskaźnika EURIBOR. Korzyści współpracy z Mortgage in Spain Mortgage Broker Uzyskanie kredytu hipotecznego w Hiszpanii może być skomplikowanym procesem, szczególnie dla nierezydentów. Dlatego współpraca z Mortgage in Spain Mortgage Broker przynosi wiele korzyści: Indywidualne doradztwo - analizujemy Państwa sytuację finansową i dopasowujemy najlepsze opcje kredytowe. Dostęp do najlepszych ofert bankowych - współpracujemy z czołowymi hiszpańskimi bankami, negocjując najlepsze warunki. Wsparcie w całym procesie - od analizy zdolności kredytowej, przez kompletowanie dokumentacji, po finalizację transakcji u notariusza. Połączenia z ekspertami - możemy połączyć Państwa z renomowanymi agencjami nieruchomości, prawnikami, firmami zajmującymi się rejestracją dostawców mediów i usługami wymiany walut. Bezpieczeństwo i profesjonalizm - jesteśmy autoryzowani przez Bank Hiszpanii i posiadamy ponad 15 lat doświadczenia w sektorze finansowym, co gwarantuje najwyższą jakość usług. Brak kosztów dla klienta - nasze usługi są opłacane przez bank, który udziela kredytu, co oznacza, że klient nigdy nie otrzymuje żadnej faktury od nas. Jeśli planują Państwo zakup nieruchomości w Hiszpanii i potrzebują fachowego wsparcia, Mortgage in Spain Mortgage Broker jest idealnym partnerem. Zapraszamy do kontaktu, aby uzyskać indywidualną konsultację i dopasowaną ofertę kredytową.
Boliglån i Spania
Nyt ditt nye hjem i Spania