Free calculator · Buying from abroad

Spanish mortgage calculator for non-residents.

Without Spanish residence, lenders usually finance 60-70% of the property, not 80%. Work out the monthly payment, the loan your income supports and the cash you need, with each region's purchase taxes.

Standard tax rates checked in September 2026 with the regional tax agencies.

Region where the property is

Purchase price€Financing (up to 70%)%Lenders usually finance 60-70% for non-residents, on the lower of price and valuation.TermyearsInterest rate to simulate%An assumption, not an offer: each lender prices your case differently.Net monthly income (all buyers, optional)€Other loan repayments per month (optional)€

Estimate

Estimated monthly payment

€1,051

Loan (70%): €210,000
Deposit (30%): €90,000
Standard transfer tax (10-13% bands): €30,000
Other costs (1.5%): €4,500
Cash needed: €124,500
Net income for a 35% ratio: €3,004/month

Illustrative estimate with standard tax rates. It is not a loan offer: the bank decides after assessing income, debts, residence and valuation.

Review my numbers

How to read it

Ten points less financing changes the budget.

On a €300,000 resale home in Catalonia, a resident financing 80% needs about €94,500 of their own money. A non-resident financing 70% needs about €124,500: €30,000 more deposit for the same home.

Lenders also compare the payment with your net income, including other loans. If your income does not support the loan shown, the calculator says so: the answer is a larger deposit or a lower price, not a longer term.

Official tax sourcesTransfer tax rates · Catalan Tax Agency 2026 tax changes · Valencian Government Current ITPAJD rules · Andalusian Government Murcia ceded taxes consolidated text · Spanish Official Gazette Balearic ceded taxes consolidated text · Spanish Official Gazette Transfer tax · Balearic Tax Agency

Frequently asked questions

Before you make an offer.

How much will a Spanish bank lend a non-resident?

Usually 60-70% of the lower of purchase price and valuation, against 80% for a resident. The calculator uses 70% as the ceiling; each lender sets its own limit depending on your country, currency and income.

How much is a €300,000 mortgage in Spain?

A €300,000 loan over 25 years at an assumed 3.5% costs about €1,502 a month. As a non-resident buying a €300,000 home, the loan would more likely be €210,000 (70%), about €1,051 a month on the same assumptions.

How much cash do I need to buy a €300,000 home in Spain?

For a non-resident buying a resale home in Catalonia with 70% financing: €90,000 deposit, €30,000 transfer tax (10%) and around €4,500 for notary, land registry, valuation and administration (1.5%). About €124,500 in total.

What income do I need?

Your mortgage payment, plus other loan repayments, should stay within 30-35% of the net income of all buyers. For a payment of about €1,051 a month that means roughly €3,004 net per month.

Only need the taxes? Use the purchase costs calculator by region or check the documents lenders ask non-residents for.

From estimate to decision

Do the numbers work from where you live?

Tell us your country, income currency and the property you have in mind. We review the numbers in English and compare lenders that work with non-residents.