Financing a property in Spain differs in many ways from Germany, Austria, or Switzerland. Different loan limits, different procedures, and Spanish banks make thorough preparation especially important.
Mike Naumann Immobilien helps buyers realistically assess financing and optimally prepare for property purchases in Spain – in German.
Yes, even non-residents can take out a mortgage in Spain. Spanish banks usually finance 60–70% of the purchase price or the lower mortgageable value.
The remaining part must be planned as personal capital and for additional purchase costs.
Buyers should expect around 30–40% personal capital.
➡️ 30–40% of the purchase price as personal funds
➡️ Additional 10–12% for purchase-related costs
➡️ Creditworthiness assessment by Spanish banks
➡️ Assess your financial situation
➡️ Select the right property
➡️ Submit financing request to Spanish banks
➡️ Preliminary contract & reservation
➡️ Notary appointment & mortgage disbursement
Realistic financial planning prevents wasted time, unnecessary risks, and disappointments during property search.
Close coordination between financing and property selection ensures a safe and stress-free purchase process.
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