Kristian Ole Rørbye··Services·
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Your first loan can be up to 300 € with no interest or fees. As a further example, for a €100 loan to be repaid in 30 days, the interest would be €35.10, which is equivalent to an APR of 3,752.4% and a nominal interest rate of 425.83%. All applications are subject to approval.
Fidea will not charge you simply for using our financial services. The cost of each loan will depend on the individual application. You will always receive complete information about the exact APR and all fees before signing the loan agreement. We offer flexible personal loans with repayment terms ranging from 3 to 60 months, with an APR ranging from 0% to 212%. For example: for a loan of €1,000 to be repaid in 12 monthly installments, the fees will be €342.22, the total amount to be repaid will be €1,342.22, with an APR of 81%.
For example, if you apply for a €5,000 loan to be repaid over 24 months, €4,825 will be deposited into your bank account (€5,000 minus the financial institution’s processing fees, which in this case will be 3.5% of the total amount). The total amount to be repaid will be €5,482.17, with an APR of 9.38%.
€400 to be repaid over 4 months; the installment amount would be €195.26 and the interest would be €381.06, which is equivalent to an APR of 2.932%. The minimum financing term is 1 month and the maximum is 4 months. The annual APR ranges from a minimum of 636% to a maximum of 2.932% for this representative example. All calculations are for illustrative purposes only and may differ from the final terms of the product. For loans, the APR varies depending on the amount and term and is specified in the terms and conditions of your application.
Loan of €1,000. To be repaid in 24 months. Fixed annual interest rate of 59.88%. Monthly payment of €72.40. APR of 79.38%. Total amount to be repaid: €1,737.61.
0% interest applies only to loans with a term of up to 30 days. For a loan of 300 Eur to be repaid in 62 days, there would be 2 installments of 224 Eur each.
Representative example: Amount requested: €300, Interest included: €95, Repayment term: 61 days (in a single payment), Total amount to be repaid: €395, APR: 418.7%
The APR for the first loan between €250 and €300 is 0% if there is no delay in repayment. For example, a first loan of €300 with a 30-day term has a total fee of €0 and a total amount to be repaid of €300. Approval is subject to the applicant’s evaluation.
You can find loans with repayment terms ranging from 91 days to 60 months, with a minimum APR of 0% and a maximum APR of 3,752%. Representative example: For a credit line of €1,500, payable in 12 installments, with no fees or other associated costs, and at an annual borrowing rate of 20.04%, the resulting APR will be 21.99%.
Carback will provide a no-obligation appraisal of your car that's less than 10 years old to determine how much money to offer you. It doesn't matter if you're on the ASNEF list, and no collateral or guarantee is required. You'll receive the money in your account today and can keep driving your car.
For New Cars, Refurbished Cars, and Used Cars: Nominal Interest Rate (NIR) from 6.50% to 11.35% (Annual Percentage Rate (APR) from 7.43% to 13.47%). For healthcare, education, travel, celebrations, and other purposes, nominal interest rates (TIN) range from 6.99% to 10.50% (annual percentage rate (APR) from 9.72% to 14.14%). For Debt Consolidation: Nominal Interest Rate (TIN) 11.99% (Annual Percentage Rate (APR) from 13.38% to 18.19%). Example of a loan for Healthcare, Education, Travel, Celebrations, and Other Purposes: €10,000 over 24 months, nominal interest rate (TIN) 6.99%, APR 9.72%, with a 2.5% origination fee of €250 paid in cash; monthly payment €447.68. Total amount owed: €10,994.32. Total interest: €744.32. Total cost of credit: €994.32. French amortization schedule. Example for a €10,000 loan over 48 months: Nominal Interest Rate (TIN) 7.99%, Annual Percentage Rate (APR) 9.72%, with a 2.5% origination fee of €250 paid in cash; monthly payment €244.08. Total amount owed: €11,965.84. Total interest: €1,715.84. Total cost of credit: €1,965.84. French amortization schedule. Example for a 4,000€ loan over 12 months: Nominal Interest Rate (TIN) 8.50%, Annual Percentage Rate (TAE) 14.14%, with a 2.5% origination fee of 100€ paid in cash; monthly payment 348.88€. Total amount owed: 4,286
PréstamoPro will not charge you for using its services. PréstamoPro offers flexible personal loans with repayment terms ranging from 3 months to 6 years, with a minimum APR of 7% and a maximum APR of 35%. For example, if you apply for a €5,000 loan to be repaid over 24 months, €4,825 will be deposited into your bank account. The total amount to be repaid will be €5,482.17 with an APR of 9.38%. Offer subject to review by the financial institution and signing of the contract.
Fidinda offers flexible personal loans repayable over 3 to 24 months with an APR of 80% to 85%, corresponding to a nominal interest rate of 60%. For example, for a €1,000 loan to be repaid in 12 monthly installments, you’ll need to repay a total of €1,342.22 in installments of €113 per month, corresponding to a fixed interest rate of 5% and an APR of 81%.
Borrowing costs money!
If you cannot repay your debt in time, you run the risk of being included in a default register, which can make it harder to obtain future credit. Ensure you understand the terms before proceeding.
All loans shown
Recommended: VivusBorrow up to €300 with interest rates from 0%.
Our Mortgage Calculator Spain gives you instant insights into how much you can borrow or what your monthly costs will be. Whether you’re buying alone or with a partner, the calculator is tailored for both residents and foreign buyers.
Instantly calculate your Spanish mortgage
Our mortgage calculator for Spain helps you estimate two key things: how much you can borrow based on your income, or how much you’ll pay monthly for a given loan amount. Both options reflect standard Spanish lending criteria, such as a maximum of 30–35% of gross income going toward mortgage repayments.
You can calculate alone or with a partner, adjust the loan term, and set your interest rate based on the current Spanish market – including fixed, variable, or mixed-rate scenarios. Everything updates instantly without storing any personal data.
How our mortgage calculator for Spain works
The calculator is built on the standard annuity formula used by Spanish lenders. It helps you estimate either your monthly repayment or your maximum borrowing potential. Here’s how it works:
Monthly Repayment – You enter the loan amount, interest rate, and term. The calculator returns your fixed monthly payment over the selected period.
Affordability Calculation – Based on your (and optionally your partner’s) income, the tool uses a 30% debt-to-income rule to estimate the maximum mortgage a Spanish bank would typically offer.
Custom Inputs – You can adjust the loan term (up to 40 years) and interest rate to simulate both fixed and variable mortgage scenarios.
Instant Results – No registration or personal data required. The output updates in real time as you type.
This gives you a realistic preview of your buying power in Spain – before you speak to any bank or advisor.
Mortgage rules in Spain you should know
Spanish banks follow strict lending criteria, especially for non-residents and expats. Understanding these rules helps you interpret your calculator results more accurately.
Down payment: Most lenders require at least 20–30% down for residents. Non-residents may need to put down 30–40%.
Debt-to-income ratio: Monthly mortgage payments must typically not exceed 30–35% of your gross income.
Loan-to-value (LTV): Residents may borrow up to 80% of the property value, while non-residents are often limited to 60–70%.
Additional costs: Apart from the down payment, buyers should budget for taxes, notary fees, legal fees, and registry costs, which can add up to 10–15% of the property price.
These rules vary slightly by region and lender, but they form the core of mortgage assessments across Spain.
Foreign buyers and expats: What’s different?
Spain remains a popular destination for foreign property buyers, but getting a mortgage as a non-resident comes with a few extra requirements.
Most Spanish banks will:
Ask for larger down payments, often 30–40% of the purchase price
Require proof of stable income from abroad (e.g., payslips, tax returns, employment contracts)
Assess your existing debt levels in your home country
Require a valid NIE number (foreigner ID) and a Spanish bank account
If you’re an EU citizen, the process is simpler, but it’s still slower than for residents. Many expats use international mortgage brokers to smooth out the paperwork and language barriers. Calculating your budget in advance gives you a stronger position before applying.
Example mortgage calculations for Spain
To give you a better idea of what to expect, here are a few sample scenarios based on typical Spanish lending terms. All estimates use a 4% interest rate and a 30-year loan term.
Buyer Type
Combined Annual Income
Max Loan Estimate
Monthly Payment
Single Buyer
€35,000
€98,000
€468
Couple
€60,000
€168,000
€802
High-income Buyer
€90,000
€252,000
€1,202
These are approximations. The calculator allows you to enter your own figures and adjust for local interest rates and terms to get a more personalized estimate.
What to do after calculating your mortgage
Once you’ve used the calculator to estimate your budget or monthly repayment, the next step is to prepare for a conversation with a Spanish lender or mortgage broker. Be ready to gather:
Proof of income (recent payslips or tax returns)
Bank statements and savings information
ID documents and your NIE number
Property details if you’ve already chosen a home
Having these ready can speed up the pre-approval process significantly. If you’re a foreign buyer, working with a broker who understands both Spanish and international documentation can simplify the entire process. The goal is to match your estimated mortgage range with actual loan offers.
Common mortgage types in Spain
Spanish mortgage loans generally come in three forms: fixed-rate, variable-rate, and mixed.
A fixed-rate mortgage keeps the same interest for the entire term, which offers predictable monthly payments and is preferred by long-term planners.
A variable-rate mortgage is tied to the Euribor, meaning your rate (and monthly payment) can rise or fall over time depending on the market. This type often starts cheaper but carries more risk.
A mixed mortgage starts with a fixed rate for a few years and then switches to a variable rate, offering a balance between stability and flexibility.
The calculator supports all of these by allowing you to input different interest rates and loan durations, helping you test which type suits your financial situation best.
FAQ
Frequently Asked Questions
The calculator provides realistic estimates based on standard lending practices in Spain, including interest rates and income-to-debt ratios. However, exact loan offers depend on your financial profile and the bank’s criteria.
Yes. The calculator includes settings for both residents and non-residents. Non-residents may face stricter requirements, such as larger down payments and lower loan-to-value limits.
There’s no fixed minimum, but lenders typically expect that your monthly mortgage payment will not exceed 30–35% of your gross monthly income.
Most residents need at least 20% of the purchase price. Non-residents are usually required to provide 30–40% as a down payment.
Yes. It’s completely free, does not require any personal information, and works instantly as you enter your numbers.
