Costa del Sol · Private Real Estate
MUSE

Your non-resident mortgage

Loan amount€1,625,000
≈ $1,755,000
Cash deposit (at notary)€875,000
≈ $945,000
Monthly payment€8,355
≈ $9,023 at spot
Total interest over term€881,390
Total paid over term€2,506,390
Principal + interest

vs. Spanish resident (80% LTV)

Resident cash deposit€500,000
At 80%, the figure commonly quoted to residents on a main home
Resident loan amount€2,000,000
Extra cash you need as non-resident€375,000
≈ $405,000 at spot

Loan-to-value is not set by law. Spanish banks commonly lend non-residents up to 60–70% of the lower of price and valuation; the figure, the rate and the fees are the bank’s own offer — get it in writing. The rate on the slider is a starting position, not a quote. Converting each payment from a non-euro account adds a cost this calculator does not model.

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