Mortgage calculator for Spain
A market that moved from variable to fixed over the last decade, with transfer tax set regionally and a deposit expectation that is higher for non-residents.
Mortgage calculator
Change any field and the figures update as you type. Everything is worked out in your browser: no number you enter is transmitted or stored.
How this market works
| Currency | EUR € |
|---|---|
| Typical rate (annual) | 3.3 % |
| Term | 25 years typical · up to 30 |
| Typical deposit | 20 % |
| Purchase costs | Property transfer tax 8%, Notary fees 0.5%, Land registry 0.4%, Valuation 0.2% |
| Official sources | Banco de España — Portal del Cliente Bancario · Banco de España — interest rate statistics |
The starting figures are indicative values for this market, not an offer or a quote. Change any of them — the calculation updates as you type, and nothing you enter leaves your browser.
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