SPANISH MORTGAGE CALCULATOR
Estimate your Spanish mortgage, then check what is really possible.
Use the calculator to estimate your monthly payment, purchase costs, DTI and LTV. It is a useful first step before speaking with a mortgage advisor.
Calculator results are indicative. Bank approval depends on your documents, income, debts, credit profile and property valuation.
Calculate your mortgage and purchase costs.
Note: Variable-rate results are indicative and may change with Euribor movements. Taxes are estimates and can vary by region, buyer profile, and price brackets.
Quick affordability score
Instant DTI check (target < 40%).
Transaction Summary
Quick FAQs
Short answers to the most common questions buyers ask.
What costs are included in “Total cash needed”?
It includes down payment + indicative purchase taxes + notary/registry/gestoría estimates + valuation (tasación) + Viva Finance fees. Final totals can vary by region and buyer profile.
What DTI is considered “OK” in Spain?
As a rule of thumb, banks often prefer DTI < 40% (sometimes lower depending on profile). Our calculator flags when the case is above typical bank comfort and suggests a max affordable price.
Why do you show a stress test for variable mortgages?
Variable mortgages can change with Euribor. The +1% / +2% scenarios show how payments and DTI could look if rates increase, which helps budgeting and lender discussions.
Resident vs non-resident: what changes?
Typical maximum LTV differs (often ~80% resident vs ~70% non-resident), which impacts down payment and cash needed. The calculator automatically applies these limits.