Free · No signup · Private
How Much Mortgage Can I Get in Spain?
Work out the maximum mortgage and home price you can afford in Spain from your income, the 30–35% rule and the usual 80% financing.
Approximate maximum mortgage
262.277 €
| Maximum payment | 1.050,00 €/month |
| Maximum home price | 327.847 € |
| Savings for the deposit | 65.569 € |
On top of the deposit, you'll pay purchase taxes and costs (ITP on resale or VAT + AJD on new homes, notary, registry), which depend on the region: budget roughly 10–12% of the price.
Guidance, not an offer: each bank does its own risk check. Checked: October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: Banco de España
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.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Related tools
Questions people ask
How much savings do I need to buy?+
Usually the 20% the bank won't lend plus 10–12% for taxes and costs, depending on the region.