Eine Hypothek in Spanien
A mortgage in Spain.
When you’re buying a property in Spain, you may be considering taking out a loan to finance part of the purchase. Getting a Spanish mortgage is definitely possible for aswell residents as non-residents.
In Spain a EU-citizen can normally borrow up to 70%, sometimes 80%, of the purchase price of the property, which is set as security. The term is normally up to 30 years even though there can be limitations due to the age of the loan taker, as the banks want the mortgage to be paid off by the age of 75. That means that a loan taker of 60 years of age can get a loan term of 15 years.
Non-EU citizens can normally get a loan of up to 60% of the purchase price.
What documents do I have to provide to get a mortgage in Spain offer ?
Documentation necessary to obtain mortgage offer:
If employed:
- Latest tax return.
- 3 latest payslips.
- Last 3 months bank statements showing salary.
- Passport copy.
- Experian credit report or similar (available in your country)
Self-employed person or company:
- Latest tax return.
- Last 6 months bank statements
- Internal accounts signed by accountant
- Letter from chartered accountant stating; nature of business, confirming last years turnover and earnings, forecast for the present year
- Passport copy and the deed of registration of the company if applicable
We can help you with your mortgage in Spain.
We’ve teamed up with Habeno to provide our buyers with a quick and easy way to apply for mortgage funds. You can also apply for a pre-approval mortgage.
- Habeno are international mortgage experts and help you negotiate a pre-approval with excellent terms.
- Apply online in 5 minutes, Get a free approval ( 100% free and not binding ), Get a personal advisor who guides you all the way from the application process untill you have the keys to your new home.
- Click on the application button to start the application process in a new window. The process is both quick and easy.
- We are also now able to offer mortgages to clients wishing to purchase a new build property here in Spain. Click on the second button to start the application for a new build property
If there’s anything you’re not sure of, please contact us and we’ll be happy to assist.
Red Rose Property Spain, also for your mortgage in Spain.
Red Rose Property Spain ist ein Familienunternehmen mit Sitz in Caleta de Velez, Málaga. Wir haben mehrere Websites und arbeiten mit den größten internationalen Immobilienplattformen der Welt zusammen. Daneben sind unsere Social Media Seiten unser stärkster Punkt.
Avenida de Andalucia 118, 29751 Caleta de Velez, Malaga. Telefon und WhatsApp - +34-602 627 580
- Für unsere niederländischen Kunden arbeiten wir mit Immobilien Spanje und Spain4You.
- Für unsere Kunden in aller Welt Red Rose Property Spanien und Red Rose Property Marbella.
- Unsere Immobilien sind gelistet auf ThinkSpain, Ein Platz an der Sonne und Kyero.
- Unsere Facebook-Seiten, Red Rose Property Spanien, Ein Haus in Spanien kaufen, Ihr spanischer Immobilienmakler.
Als Immobilienagentur / Makler in Spanien wir bieten unseren Käufern einen umfassenden Service.
- Wir können Ihnen helfen Erlangung einer Hypothek (bei Bedarf mit Vorabgenehmigung).
- Wenn Sie eine Immobilie in Spanien gekauft haben und Renovierungsarbeiten jeglicher Art durchführen müssen, können wir Ihnen mit unseren hauseigenen Bauunternehmen der alle notwendigen Arbeiten an Ihrem Haus durchführen kann neues Haus in Spanien.
- Um eine Immobilie in Spanien zu kaufen, benötigen Sie eine spanische NIE-Nummerkönnen wir Ihnen helfen Beantragung einer NIE-Nummer in Spanien.
- Wenn Sie eine Immobilie in Spanien kaufen, benötigen Sie einen unabhängigen Anwalt, der Ihnen bei dem gesamten Prozess des Immobilienkaufs in Spanien hilft. Wir können Ihnen helfen mit den richtigen Anwalt hier in Spanien.
Wenn Sie nicht finden können, was Sie gerade suchen, nutzen Sie bitte unsere Wunschzettel der Immobilienmakler und wir melden uns bei Ihnen mit einem möglicherweise interessanten Angebot.
Buying a house in Spain with a mortgage.
Simply put, non-resident mortgages are available to anyone who pays taxes outside of Spain, regardless of their nationality. The most popular option for foreigners is fixed-rate mortgages.
You will typically need to provide a down payment (a percentage of the property’s purchase price) as part of the mortgage application. The exact amount can vary but it is often around 25% to 35% of the property’s value. Lenders calculate your DTI by comparing your monthly debt payments to your monthly income.
For your mortgage application, you’ll need to show proof of earnings, address and possibly, your loan record in your country of residence. Shop around. There’s intense competition among mortgage lenders in Spain so it makes sense to compare and contrast terms and conditions. Let us help you with your perfect mortgage in Spain.
Take a look at our Facebook page and when interested in one of our Spanish properties and when in need for a mortgage just contact us inmediatly and we will help you with everything you need when buying a property in Spain.
