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Spanish mortgage calculators

Calculate your mortgage eligibility including your Debt To Income (DTI) ratio, which is used by the banks to determine whether you will be eligible for a mortgage.

Mortgage lenders typically require that your DTI is a maximum of 35-40% which must include the new mortgage payment. They will look at your monthly net income and monthly debts (including any significant expenses such as rental payments).

Self-employed? Please give your net profit after tax (divided by 12).
Important The following three dropdowns are designed to be used multiple times. Each time you make a new selction, we will provide a new box for the totals. Don't worry, they can also be deleted if you make a mistake. Please use these boxes as many times as required....
For your information: The current Euribor rate (checked within 24 hours) is: 3.52 We prefilled that for you, but please change it if required.
Please note: Maximum term is to age 75 (or 67 if a suitable pension isn't in place), even if you intend on working past age 67.

Calculate your Spanish mortgage eligibility (maximum loan amount) based on your financial profile. Please bear in mind that the calculation is approximate and will slightly vary depending on various factors, such as bank and type of mortgage.

Self-employed? Please give your net profit after tax (divided by 12).
Important The following three dropdowns are designed to be used multiple times. Each time you make a new selection, we will provide a new box for the totals. Don't worry, they can also be deleted if you make a mistake. Please use these boxes as many times as required....
For your information: The current Euribor rate (check within 24 hours) is: 3.52 For your information: We prefilled that for you, but please change it if required.

Your results will appear here

Calculate the (monthly and lifetime) savings you could have by refinancing your mortgage. Please bear in mind that the calculation is approximate and will slightly vary depending on various factors, such as the achievable interest rate.

About your current mortgage...

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Note: please be aware that the Bank of Spain has ordered that during 2023 all costs of amortization will not be paid by the mortgage owner (meaning 0% )

About the new mortgage...

For your information: The current Euribor rate (checked within 24 hours) is: 3.52 We prefilled that for you, but please change it if required.

Your results will appear here

Calculate your mortgage repayments

A simple calculator for converting currencies, rates are updated hourly.

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