Un prêt hypothécaire en Espagne
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 est une entreprise familiale basée à Caleta de Velez, Malaga, qui possède plusieurs sites web et travaille avec les plus grandes plateformes immobilières du monde. A côté de cela, nos pages sur les médias sociaux sont notre point fort.
Avenida de Andalucia 118, 29751 Caleta de Velez, Malaga. Téléphone et WhatsApp - +34-602 627 580
- Pour nos clients néerlandais, nous travaillons avec Immobilier Spanje et Spain4You.
- Pour nos clients du monde entier Red Rose Property Espagne et Red Rose Property Marbella.
- Nos propriétés sont listées sur ThinkSpain, Une place au soleil et Kyero.
- Nos pages Facebook, Red Rose Property Espagne, Acheter une maison en Espagne, Votre agent immobilier espagnol.
En tant qu'agence immobilière / agent immobilier en Espagne nous offrent un service complet à nos acheteurs.
- Nous pouvons vous aider l'obtention d'un prêt hypothécaire (en cas de pré-approbation).
- Si vous avez acheté une propriété en Espagne et que vous avez besoin de faire des rénovations de quelque nature que ce soit, nous pouvons vous aider grâce à nos services internes. entreprise de construction qui peut effectuer tous les travaux nécessaires sur votre nouvelle maison en Espagne.
- Pour acheter une propriété en Espagne, vous devez posséder un passeport espagnol. Numéro NIEnous pouvons vous aider l'obtention d'un numéro NIE en Espagne.
- Lorsque vous achetez une propriété en Espagne, vous avez besoin d'un avocat indépendant qui vous aidera tout au long du processus d'achat d'une propriété en Espagne. Nous pouvons vous aider dans les domaines suivants le bon avocat ici en Espagne.
Si vous ne trouvez pas ce que vous cherchez en ce moment, veuillez utiliser notre formulaire de demande d'informations. liste de souhaits des chasseurs immobiliers et nous reviendrons vers vous avec une éventuelle offre intéressante.
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.
