Bank of Spain Lending Standards 2026 · 35% Debt-to-Income Rule
How much house can I afford to buy in Spain?
Calculate your realistic maximum purchase budget. We combine your net monthly income and savings with regional Spanish taxes (ITP), notary, and registry fees.
Your Financial Profile
€
Total household net monthly earnings.
€
Cash earmarked for the 20% down payment and 10% closing taxes.
Determines regional property tax
Standard rate
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Maximum Property Budget
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Estimated Monthly Payment
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Affordability Analysis
Evaluating your borrowing capacity...
Estimated Transaction Breakdown
Bank Loan (80%)—
Down Payment (20%)—
Taxes & Legal Fees——
Remaining Cash Cushion—
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