Resources

Make room for a better-informed decision.

Simple planning tools and a checklist for your first mortgage conversation.

Monthly payment calculator

Explore a repayment scenario.

Illustrative fixed-rate repayment calculation. The prefilled 3.5% is an editable example: you can enter any rate you wish. It excludes fees, insurance and taxes; it is not an offer or a lending decision.

Loan amount (€)

Illustrative annual nominal interest (%)

Term (years)

Estimated monthly payment 1.251,40 €

Capital needed for the purchase

Plan for the difference between the purchase price and the mortgage, plus applicable purchase costs and a reserve. Costs depend on the location, property and transaction; agree a detailed estimate with your advisers.

Your first-conversation checklist

Residence and ages of all applicants
Recurring net monthly income, by source and currency
Current monthly loan repayments
Available savings, purchase budget and requested mortgage
Location, timeline and intended buyer: individual or Spanish company

Bank of Spain · Banking Customer Portal ↗︎

A clearer starting point

Before the property, understand the possibilities.

A free initial review of your profile, your financing needs and your next step. No documents required.

Look beyond the headline rate

Prepare questions about the amount financed relative to the property value (LTV), monthly debt commitments relative to income (DTI), linked products and insurance, valuation and regional purchase costs. Ask for a complete comparison of costs and conditions.