Spanish banks typically finance non-residents up to 60 to 70% of the property value the bank accepts. So you usually contribute 30 to 40% yourself, before the additional purchase costs. This indicator shows what that looks like based on three common financing assumptions.
| 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. Want a personal assessment instead of an estimate? A Mortgage File Check checks your actual situation.
Two buyers at the same purchase price can end up needing own funds that differ by tens of thousands of euros.
The range above assumes a reasonably clean dossier and a bank willing to lend at the upper end of its non-resident bracket. Spanish lenders don't read all income the same way. A salaried employee in the Netherlands, a Belgian with a holding company, and a German approaching retirement may all target the same property at the same price — and face meaningfully different conditions at the same bank, let alone across banks.
These aren't edge cases. They're the variables that move the number.
Further reading: Spanish Mortgage Documents Checklist →
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).
Last updated: June 2026
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 →What a Spanish bank asks of non-residents, and in what order.
About Finance →Related reading: What ownership costs to factor in after purchase
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