Tool 08 · Financing · Free
How much can you actually borrow?
Spanish non-resident mortgages cap at 60–70% LTV with rates 2.65–4.00%. Calculator gives the realistic max loan, year-1 monthly cuota, financeability score, and routes to the right broker — including Unvolt for €500k+ private-capital deals.
Inputs
Spanish non-resident mortgages cap at 60–70% LTV with rates 2.65–4.00%. The realistic max loan is whichever cap binds first (LTV, DTI, or required amount).
Realistic max loan
€1,150,790
LTV 57.5% · rate 2.65% · 25y · cuota €5,250/mo
Monthly cuota Y1
€5,250
35.0% of gross income
All-in acquisition
€2,200,000
price + ~10% closing
Financeability score
12/100
Borderline
Recommended route
Cash purchase only
Loan headroom — Salaried (EU) profile
Olive line shows the realistic max loan — limited by whichever cap binds first (LTV, DTI, or required). Bank lends the lowest of the three.
Cuota stress test (DTI)
Spanish banks generally cap cuota + debts at 35% of gross. Above 30% = comfortable; 30–35% = borderline; >35% = outside standard underwriting.
Broker routing
Warnings
- • Loan headroom is €1,150,790 but you need €1,200,000.
- • Cuota >30% of income — banks may push back on DTI.
V1 simplified — rates per profile. Real offers depend on credit history, asset profile, and bank-by-bank policy. Talk to a broker before committing.
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