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Spain Mortgage Calculator
Free Spanish mortgage calculator: monthly payment at a fixed or variable rate (Euribor + margin), total interest, yearly schedule and how much the payment rises if rates go up.
Interest type
Monthly payment
800,68 €
| Rate (TIN) | 2.6 % |
| Total interest | 88.244,59 € |
| Total paid | 288.244,59 € |
| If the rate rises 1 point | 909,29 € |
Year by year
| Year | Interest | Capital | Owed |
|---|---|---|---|
| 1 | 5.147 € | 4.461 € | 195.539 € |
| 2 | 5.030 € | 4.578 € | 190.960 € |
| 3 | 4.909 € | 4.699 € | 186.262 € |
| 5 | 4.659 € | 4.949 € | 176.490 € |
| 10 | 3.972 € | 5.636 € | 149.719 € |
| 15 | 3.191 € | 6.417 € | 119.236 € |
| 20 | 2.301 € | 7.307 € | 84.526 € |
| 25 | 1.288 € | 8.320 € | 45.004 € |
| 30 | 134 € | 9.474 € | 0 € |
French (annuity) system. No insurance, fees or Euribor resets: the bank's APR (TAE) will be higher. Since 2019 the bank pays the notary, registry, agency and stamp duty on the mortgage; you pay the valuation. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: Banco de España: Portal del Cliente Bancario
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
Who pays the mortgage costs?+
Since Law 5/2019 the bank pays the notary, registry, agency and the stamp duty (AJD) on the mortgage. You pay the valuation and any copies you ask for.