A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
€23,625
Resale home · Andalucía ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
€203,766Deposit
€50,941Buying costs
€24,059Monthly repayment
€988If rates rise 1%
€1,098Savings used
€75,000A rough guide from common lending limits in Spain (repayments up to about 35% of income, at most 80% of the price, terms up to 30 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Questions
Lenders in Spain usually keep the mortgage repayment under about 35% of your gross income. Enter your income above to see what that means for you.
Lenders usually lend up to about 80% of the price to people who live in Spain, so you need a deposit of at least 20%. On top of that, buying costs come to about 9.5% of the price. If you live abroad, many lenders lend at most 65%.
Resale home in Andalucía: ITP (transfer tax) is about €17,500. All buying costs together come to about €23,625, or 9.5% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in Spain. Some rules on who can buy, or which rate applies, can still depend on where you live.
No general limits on foreign buyers. The golden visa through property ended in April 2025.
An NIE (foreigner's tax number). A Spanish bank account to pay taxes and bills.
We last updated the figures on 15 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.
Guides
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