{"id":75,"date":"2025-08-07T17:19:02","date_gmt":"2025-08-07T15:19:02","guid":{"rendered":"https:\/\/www.vivafinance.es\/?page_id=75"},"modified":"2026-10-29T13:09:20","modified_gmt":"2026-10-29T12:09:20","slug":"faqs","status":"publish","type":"page","link":"https:\/\/www.vivafinance.es\/pl\/faqs\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"75\" class=\"elementor elementor-75\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e87d2e7 e-flex e-con-boxed e-con e-parent\" data-id=\"e87d2e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6676a5a elementor-align-center elementor-widget elementor-widget-lottie\" data-id=\"6676a5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;source_json&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.vivafinance.es\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/DG-daq.json&quot;,&quot;id&quot;:605,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;play_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0.9,&quot;sizes&quot;:[]},&quot;source&quot;:&quot;media_file&quot;,&quot;caption_source&quot;:&quot;none&quot;,&quot;link_to&quot;:&quot;none&quot;,&quot;trigger&quot;:&quot;arriving_to_viewport&quot;,&quot;viewport&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;start_point&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;end_point&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;renderer&quot;:&quot;svg&quot;}\" data-widget_type=\"lottie.default\">\n\t\t\t\t\t<div class=\"e-lottie__container\"><div class=\"e-lottie__animation\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e761f5c e-flex e-con-boxed e-con e-parent\" data-id=\"e761f5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d777e1 elementor-widget elementor-widget-html\" data-id=\"1d777e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- === Viva Finance \u2013 FAQ Accordion (SEO, A11y, Deep Links) === -->\r\n<section class=\"vf-faq\" aria-labelledby=\"vf-faq-title\">\r\n  <h2 id=\"vf-faq-title\" class=\"vf-faq__title\">Frequently Asked Questions<\/h2>\r\n\r\n  <!-- 1 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq1\" id=\"q1\">\r\n      Why should I use a mortgage broker in Spain?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq1\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q1\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>Using a broker gives you access to multiple banks with one application and to offers not available at branch level.<\/p>\r\n        <p>At Viva Finance we match your profile to lenders to secure the most competitive mortgage for you.<\/p>\r\n        <p>We act as your single point of contact from application to completion, handling paperwork and saving you time and stress.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 2 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq2\" id=\"q2\">\r\n      Do I need a NIE to get a mortgage in Spain?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq2\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q2\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>You don\u2019t need a NIE (N\u00famero de Identidad de Extranjero) to <em>start<\/em> your application\u2014we can begin with your passport. A NIE is required to sign the deed, so start the process early.<\/p>\r\n        <p class=\"vf-faq__subttl\"><strong>How to get your NIE number in Spain<\/strong><\/p>\r\n        <p><strong>Option 1: In person in Spain (most common)<\/strong><\/p>\r\n        <ol>\r\n          <li><strong>Book an appointment:<\/strong> via the Spanish Public Administration site. Choose your province and the \u201cPolic\u00eda \u2013 Certificados y Asignaci\u00f3n de NIE\u201d procedure.<\/li>\r\n          <li><strong>Prepare documentation:<\/strong>\r\n            <ul>\r\n              <li>Form EX-15 (two copies).<\/li>\r\n              <li>Tax form 790, Code 012 (pay at bank).<\/li>\r\n              <li>Passport (original) + copy.<\/li>\r\n              <li>Proof of purpose (e.g., reservation\/deposit contract).<\/li>\r\n            <\/ul>\r\n          <\/li>\r\n          <li><strong>Attend your appointment:<\/strong> at the Police Station or Foreigners\u2019 Office. The certificate may be issued the same day or later.<\/li>\r\n        <\/ol>\r\n        <p><strong>Option 2: At a Spanish consulate\/embassy<\/strong> (often slower; timing varies by country).<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 3 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq3\" id=\"q3\">\r\n      What are the costs involved in signing a mortgage in Spain?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq3\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q3\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>Since the 2019 Mortgage Law, banks cover most notary, registry and mortgage tax costs. You typically pay:<\/p>\r\n        <ul>\r\n          <li><strong>Arrangement fee:<\/strong> usually <strong>0\u20132.5%<\/strong> of the loan, depending on lender and amount.<\/li>\r\n          <li><strong>Valuation (appraisal):<\/strong> around <strong>\u20ac400<\/strong>+ (may be higher for high-value properties).<\/li>\r\n          <li><strong>Bundled products:<\/strong> rate discounts may apply if you take home\/life insurance, etc.<\/li>\r\n        <\/ul>\r\n\r\n        <p><strong>Our fees<\/strong><\/p>\r\n        <ul>\r\n          <li>\r\n            <strong>No upfront fees<\/strong> for the initial assessment\r\n            or for requesting lender proposals.\r\n          <\/li>\r\n          <li>\r\n            <strong>Once you accept a lender proposal:<\/strong>\r\n            \u20ac1,500.\r\n          <\/li>\r\n          <li>\r\n            <strong>At the binding mortgage documentation \/ FEIN stage:<\/strong>\r\n            0.5% of the mortgage amount.\r\n          <\/li>\r\n        <\/ul>\r\n\r\n        <p>\r\n          <strong>Both fees are VAT exempt<\/strong> under\r\n          Article 20.One.18(m) of Spanish Law 37\/1992.\r\n        <\/p>\r\n\r\n        <p>\r\n          Bank fees, valuation costs, taxes, legal costs and insurance\r\n          premiums are separate third-party costs where applicable.\r\n        <\/p>\r\n\r\n        <p>\r\n          <a href=\"https:\/\/www.vivafinance.es\/our-fees\/\">\r\n            View our full fee information \u2192\r\n          <\/a>\r\n        <\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 4 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq4\" id=\"q4\">\r\n      What are the costs of buying a property in Spain?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq4\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q4\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>Budget <strong>10\u201315%<\/strong> of the purchase price for non-mortgage costs (varies by region and property type):<\/p>\r\n        <ol>\r\n          <li><strong>Taxes<\/strong>\r\n            <ul>\r\n              <li><strong>Resale:<\/strong> ITP (e.g., <strong>7%<\/strong> in Andalusia).<\/li>\r\n              <li><strong>New-build:<\/strong> VAT <strong>10%<\/strong> + AJD (e.g., <strong>1.2%<\/strong> in Andalusia).<\/li>\r\n            <\/ul>\r\n          <\/li>\r\n          <li><strong>Legal fees<\/strong>\r\n            <ul>\r\n              <li><strong>Lawyer:<\/strong> typically <strong>1\u20131.5%<\/strong> + 21% VAT.<\/li>\r\n            <\/ul>\r\n          <\/li>\r\n          <li><strong>Notary &amp; Registry<\/strong>\r\n            <ul>\r\n              <li><strong>Notary:<\/strong> ~<strong>\u20ac600\u2013\u20ac1,000<\/strong> (regulated fees).<\/li>\r\n              <li><strong>Property Registry:<\/strong> ~<strong>\u20ac400\u2013\u20ac700<\/strong>.<\/li>\r\n            <\/ul>\r\n          <\/li>\r\n          <li><strong>Other:<\/strong> NIE, gestor\u00eda, utility connections. <em>Plusval\u00eda Municipal<\/em> is typically the seller\u2019s responsibility.<\/li>\r\n        <\/ol>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 5 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq5\" id=\"q5\">\r\n      What deposit do I need for a Spanish mortgage?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq5\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q5\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>It depends on the LTV (Loan-to-Value) you qualify for:<\/p>\r\n        <ul>\r\n          <li><strong>60% LTV:<\/strong> deposit of <strong>40%<\/strong> + purchase costs.<\/li>\r\n          <li><strong>70% LTV (common for non-residents):<\/strong> deposit of <strong>30%<\/strong> + purchase costs.<\/li>\r\n          <li><strong>80% LTV (residents):<\/strong> deposit of <strong>20%<\/strong> + purchase costs.<\/li>\r\n        <\/ul>\r\n        <p>Estimate payments with our <a href=\"https:\/\/www.vivafinance.es\/spanish-mortgage-calculator\/\">Mortgage Calculator<\/a>.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 6 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq6\" id=\"q6\">\r\n      What is LTV (Loan to Value)?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq6\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q6\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>LTV is the loan amount divided by the property value (as a %). It indicates how much the bank will finance.<\/p>\r\n        <p><strong>Example:<\/strong> Price \u20ac200,000 and LTV 70% \u2192 loan \u20ac140,000; you contribute \u20ac60,000 + costs.<\/p>\r\n        <p>Learn more on <a href=\"\/spanish-mortgages\/\">Spanish Mortgages<\/a>.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 7 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq7\" id=\"q7\">\r\n      What is the maximum LTV I can get?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq7\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q7\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>Non-residents: usually up to <strong>70%<\/strong>. Residents: up to <strong>80%<\/strong> (subject to affordability and lender policy).<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 8 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq8\" id=\"q8\">\r\n      How much can I borrow in Spain?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq8\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q8\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>Two main limits apply:<\/p>\r\n        <ol>\r\n          <li><strong>Affordability:<\/strong> your total debt payments should stay \u2264 <strong>40%<\/strong> of net income (varies by lender).<\/li>\r\n          <li><strong>LTV:<\/strong> capped per lender policy (see above).<\/li>\r\n        <\/ol>\r\n        <p>Try scenarios with our <a href=\"https:\/\/www.vivafinance.es\/spanish-mortgage-calculator\/\">Mortgage Calculator<\/a>.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 9 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq9\" id=\"q9\">\r\n      How long does it take to get a mortgage in Spain?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq9\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q9\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p><strong>Initial offer:<\/strong> typically within <strong>~7 business days<\/strong> after receiving your documents.<\/p>\r\n        <p><strong>Completion:<\/strong> from offer to signing the deed: around <strong>4\u20138 weeks<\/strong>, depending on valuation and legals.<\/p>\r\n        <p>See the <a href=\"\/spanish-mortgage-lending-process\/\">Lending Process<\/a>.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 10 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq10\" id=\"q10\">\r\n      Can I get a mortgage in Spain as a non-resident?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq10\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q10\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>Yes. Non-residents can secure mortgages in Spain (typically up to 70% LTV) subject to income, credit, and property valuation.<\/p>\r\n        <p>Start here: <a href=\"\/spanish-mortgages\/\">Spanish Mortgages<\/a>.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 11 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq11\" id=\"q11\">\r\n      Is there a fee to find out how much I can borrow?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq11\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q11\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p><strong>No.<\/strong> Your consultation is free. We only charge if you accept one of the offers we present.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 12 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq12\" id=\"q12\">\r\n      Does age affect the loan term?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq12\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q12\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>Yes. As a rule of thumb, the mortgage must be fully repaid before the borrower turns ~<strong>75<\/strong>. For example, at 60 years old the maximum term is ~<strong>15 years<\/strong> (lender policies vary).<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 13 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq13\" id=\"q13\">\r\n      What documents do banks request?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq13\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q13\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>Requirements vary by lender and profile. Generally:<\/p>\r\n        <p><strong>Employed:<\/strong><\/p>\r\n        <ul>\r\n          <li>Passport\/NIE, latest tax return, last 3 payslips, last 6 months\u2019 bank statements, credit report.<\/li>\r\n        <\/ul>\r\n        <p><strong>Self-employed \/ Company directors:<\/strong><\/p>\r\n        <ul>\r\n          <li>Certified tax returns (2\u20133 years), audited accounts (2\u20133 years), personal\/company statements.<\/li>\r\n        <\/ul>\r\n        <p><strong>Pensioners:<\/strong><\/p>\r\n        <ul>\r\n          <li>Proof of pension income (6\u201312 months), latest tax return, bank statements showing receipts.<\/li>\r\n        <\/ul>\r\n        <p>See the <a href=\"\/spanish-mortgage-lending-process\/\">Lending Process<\/a> checklist.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 14 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq14\" id=\"q14\">\r\n      Do I have to come to Spain to sign the mortgage deed?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq14\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q14\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>No. You can grant a power of attorney to your lawyer or representative to sign on your behalf.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- 15 -->\r\n  <div class=\"vf-faq__item\">\r\n    <button class=\"vf-faq__question\" aria-expanded=\"false\" aria-controls=\"faq15\" id=\"q15\">\r\n      Do I have to take out home insurance?\r\n      <span class=\"vf-faq__chev\" aria-hidden=\"true\">\u2304<\/span>\r\n    <\/button>\r\n    <div id=\"faq15\" class=\"vf-faq__answer\" role=\"region\" aria-labelledby=\"q15\">\r\n      <div class=\"vf-faq__answer-inner\">\r\n        <p>Yes. Lenders require building (structure) insurance as collateral. Even if your community has a policy, you\u2019ll need a separate one for your unit, with the bank noted as beneficiary.<\/p>\r\n        <p>Get a quote: <a href=\"\/insurance\/\">Home Insurance<\/a><\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- CTA -->\r\n  <div class=\"vf-faq__cta\" aria-hidden=\"false\">\r\n    <p>Still have questions? <a class=\"vf-faq__cta-btn\" href=\"\/contact\/\">Book a free consultation<\/a><\/p>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n  .vf-faq {\r\n    max-width: 920px;\r\n    margin: 0 auto;\r\n    padding: 24px;\r\n  }\r\n\r\n  .vf-faq__title {\r\n    text-align: center;\r\n    font-size: 2rem;\r\n    margin: 0 0 1.5rem;\r\n    color: #111827;\r\n  }\r\n\r\n  .vf-faq__item {\r\n    border: 1px solid #e5e7eb;\r\n    border-radius: 14px;\r\n    margin-bottom: 14px;\r\n    overflow: hidden;\r\n    box-shadow: 0 1px 4px rgba(0,0,0,.03);\r\n  }\r\n\r\n  .vf-faq__question {\r\n    position: relative;\r\n    width: 100%;\r\n    text-align: 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