Laatste nieuws

A mortgage in Spain

There is a lot to consider when buying a property in Spain, and arranging a mortgage can be a complex process. Fortunately, we at CoBla are ready to guide and support you in obtaining the right financing for your dream home.

Contact your bank in advance

If you are considering a loan, it is wise to first contact your bank in your home country. They can inform you about the options and conditions they offer for a foreign mortgage. You can also contact us for advice and guidance to find the best financing plan.

By being well informed in advance about your financial options, you avoid disappointments and unrealistic expectations. We are happy to help you get a clear picture of the financial picture, so that you can start the purchase of your Spanish home well prepared.

Find out how much you can borrow

It is important to know how much you can borrow for your Spanish home. We can help you calculate your maximum borrowing capacity based on your income, expenses and the value of the home you want to purchase.

Maximum financing in Spain

In Spain you can usually get a mortgage for a maximum of 70% of the value of the home as a non-resident. Residents can often borrow up to 80% of the home value. It is important to know how much of your own resources you need to realize the purchase.

Additional costs

In addition to the purchase price of the home, there are various additional costs that you must take into account, such as notary costs, registration costs, taxes and bank costs. We can give you an overview of all the costs involved when taking out a mortgage in Spain

Necessary documents

To apply for a mortgage in Spain you need various documents, such as a valid passport, proof of income, bank statements and a Spanish NIE number (Número de Identificación de Extranjero). We will help you collect and prepare all the necessary documents.

Early repayment

In Spain it is possible to pay off your mortgage early, although this often involves additional costs. We can inform you about the conditions and costs of early repayment at different banks, so that you can make an informed decision.

Mortgage for self-employed persons or entrepreneurs

You can also get a mortgage in Spain as a self-employed person or entrepreneur, although the process can be a little more complicated. We have experience in assisting self-employed people and entrepreneurs in obtaining a mortgage and are happy to help you collect the necessary documents and information.

Do you have questions or would you like more information about obtaining a mortgage for your Spanish home?

Contact us and discover how we can help you realize your dream. Our team is ready to guide you through the entire process and ensure you find the best financing solution.

Image gallery

Share