Calculate your ideal mortgage

With this simulator you can calculate in seconds your monthly payment, taxes and costs of buying a home. Compare different scenarios (price, term, interest rate) before talking to any bank so you arrive at the negotiation prepared.

Banks typically finance up to 80% of the appraised value. You need to cover the remaining 20% plus closing costs: transfer tax, notary, registry and management. In practice, it's recommended to have between 25% and 30% of the property price saved before starting.

We use the French amortization system, the most common in Spain. The payment remains constant throughout the loan term: initially you pay more interest and over time this shifts to principal repayment. If the mortgage is variable, the payment is recalculated periodically based on Euribor changes.

No. They are indicative and based on the data you provide and average market conditions. Final approval and specific terms will depend on each lender's analysis of your profile: income, credit history, employment stability and other factors.

Transfer tax (ITP) is the main tax paid when buying a second-hand property. Each region sets its own rate, ranging from 4% in the Basque Country to 10% in Catalonia, Valencia or Cantabria. For new properties, VAT (10%) plus a legal document tax apply, both varying by region.

The process typically includes: simulation and offer comparison, formal application with documentation (ID, payslips, tax return), lender risk analysis, official property appraisal, credit proposal with terms, and signing before a notary with registration in the Property Registry. From application to signing usually takes 4 to 8 weeks.

With a fixed rate you pay the same payment regardless of Euribor changes, giving you certainty though the initial rate is usually higher. With a variable rate, your payment adjusts periodically based on Euribor plus a bank spread. It may be cheaper initially but you assume the risk of rising rates.