Spanish banks typically finance non-resident buyers to 60–70% of the assessed property value. That means buyers usually bring 30–40% from their own funds, before any acquisition costs. This indicator shows what that looks like across three common financing assumptions. It is an illustration based on general market ranges — not a financing offer, and not linked to your income, residency or specific property.
| Scenario | Bank financing | Own funds needed | Purchase costs (approx.) | Total own funds |
|---|---|---|---|---|
| Conservative | 60% | 40% of purchase price | ~10–14% | ~54% of purchase price |
| Common | 65% | 35% of purchase price | ~10–14% | ~49% of purchase price |
| Maximum | 70% | 30% of purchase price | ~10–14% | ~44% of purchase price |
Purchase costs (ITP, notary, registration, legal) are paid from own funds and are not included in the mortgage. Actual financing percentage depends on property value, income, and bank assessment.
General market illustration for non-residents. This is not mortgage advice and not a binding assessment. Mortgage advice is provided by ACI-certified partners under Spanish law (Ley 5/2019).
Transfer tax, notary, legal and registration costs for a purchase in Catalonia.
Open calculator →How Spanish mortgages work for non-residents — LTV, documents and the full process.
Read the guide →Independent mortgage coordination for non-residents buying in Spain.
About Finance →Related reading: What ownership costs to factor in after purchase
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