Spain Mortgage Calculator
Calculate your monthly mortgage payments, compare loan scenarios, and understand the true cost of buying property in Spain, whether you're a resident or buying from abroad.
Why use our mortgage calculator?
Designed specifically for buyers looking at Spanish real estate, with non-resident LTV limits, accurate tax estimates, and PDF export built in.
Calculate monthly payments
Enter your property price, down payment and interest rate to see exact monthly repayments in seconds.
Compare loan scenarios
Adjust term length, interest rate and deposit to find the mortgage that fits your budget.
Export PDF report
Save and share a detailed PDF breakdown of your mortgage costs, perfect for bank meetings.
Calculate your mortgage
Adjust the sliders to explore different purchase prices, down payments, and loan terms.
Loan Parameters
Transfer tax is set per community, not nationally.
Up to 80% financing, best rates available
60,000 €
Monthly payment
1,201 €
per month
Loan Amount
240,000 €
Total interest
120,449 €
Total Cost
360,449 €
Upfront costs in Spain
Scenarios
| Loan Term | Monthly payment | Total interest | Total Cost |
|---|---|---|---|
| 15 years | 1,716 € | 68,829 € | 308,829 € |
| 20 years | 1,392 € | 94,057 € | 334,057 € |
| 25 years | 1,201 € | 120,449 € | 360,449 € |
| 30 years | 1,078 € | 147,975 € | 387,975 € |
Note: These calculations are estimates. Actual rates and costs may vary based on your circumstances, the property, and the lender. Additional costs may include property valuation, mortgage arrangement fees, and insurance.
Spanish mortgage FAQs
Common questions about mortgages for foreign buyers in Spain.