Mortgage Calculator For Spain

Select the length of the mortgage (10, 15, 20, 25, or 30 years) to determine how long you will repay the loan.

Enter the total cost of the property you intend to buy.

Enter the annual interest rate offered by your lender Bank for the mortgage.

Enter the amount you plan to pay upfront, which must be at least 10% of the property’s purchase price.

Indicate if the property has an Energy Performance Certificate (EPC) rating of A or B, which qualifies for a 0.1% interest rate reduction.

Select “New” if the property is newly built (subject to 11.5% buying tax) or “Resale” if it’s pre-owned (subject to 8% buying tax).

Choose "Yes" if you want home insurance coverage (to protect against property damage or loss) with the purchase, or "No" if you do not.

"Yes" if you want life insurance coverage (to provide financial protection in case of death) with the purchase, or "No" if you do not.

Choose "Yes" if you want payment protection insurance (covers mortgage payments in case of illness or unemployment) with the purchase, or "No" if you do not.

Choose "Yes" if you want title insurance coverage (protects against legal claims on property ownership) with the purchase, or "No" if you do not.