Spanish Mortgage
16 November 2020
Spanish Mortgage Solutions: Hassle-Free Home Financing
Navigating Spanish mortgages made easy. Get tailored solutions for your property purchase in Spain. Secure your dream home today
Spanish banks usually do not finance 100% of the purchase of the house.
That is, if the house of your dreams is valued at 200,000 euros, the bank will grant you, at most, a loan for an amount that does not exceed 80% of the appraised value of the home if you are a resident in Spain or 70% if you are a non-resident.
It is essential to be in disposition of savings before buying a home. At least, to meet the costs of appraisal, management or those related to the Property Registry. This will mean around 30% of the price of the property, since you must have 20% savings and approximately 10% to meet the additional costs.
Today, all banks assume the expenses of a mortgage that is determined by law: that is, those of notary, registry and agency, in addition to the Tax on Documented Legal Acts
The terms for the approval of a mortgage loan range between 60 and 90 days. In MortgageinSpain.es we can have a pre authorization in 7 days.
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