Mortgage calculator for Spain

Input data

Cost assumptions (you can edit these)

Appraisal (€) Required by most Spanish lenders for mortgage approval.

Purchase notary (€)

Purchase registry (€)

Purchase gestoria (€)

Lawyer (optional) (€)

Maximum DSTI (%) 30% 35% 40%

Results

Estimated monthly payment

0,00 €

Cash needed at purchase

0,00 €

—

—

Minimum income guideline

Minimum net monthly income required:

0,00 €

—

Core figures

Loan amount

0,00 €

Total paid (loan + interest)

0,00 €

Total interest

0,00 €

Rate breakdown (Euribor + margin)

Current Euribor 12m —

Bank margin —

Total initial rate —

Last updated: —

Cash breakdown

Down payment0,00 €

Purchase taxes (ITP/VAT + AJD purchase deed)0,00 €

Purchase notary + registry0,00 €

Appraisal0,00 €

Purchase gestoria0,00 €

Lawyer (optional)0,00 €

Bank-side costs (currently paid by the bank under the current framework): 0,00 €

Financing notes (LTV & assumptions)

• Estimate assumption: resident profile uses up to 80 percent LTV (minimum 20 percent down).
• Estimate assumption: non-resident profile uses up to 70 percent LTV (minimum 30 percent down).
• Mortgage AJD is paid by the bank for consumer mortgages under the current framework.
• Reduced regional tax rates and personal-profile benefits are not automatically applied in this estimate.

Calculation details

Applied rate—

Total paid (loan + interest)0,00 €

View amortization schedule (first 10 months)

Preview only: the table shows the first 10 monthly payments from the same amortization formula used for the total payment, interest, and balance figures above.

Month	Interest	Principal	Balance

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