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Spain – Property Financing

Mortgages for Foreign Nationals in Spain

Many local banks and financial institutions in Spain offer mortgages to foreign nationals. However, the terms and conditions for obtaining a mortgage may vary depending on the lender and the foreign national’s circumstances. Some of the well-known banks that offer mortgages to foreign nationals include Banco Santander, BBVA, CaixaBank, and Banco Popular.


Deposit Requirements in Spain

Typically, buyers in Spain are required to provide a deposit of 10% to 20% of the property’s purchase price. The exact amount of the deposit may vary depending on the lender, the property’s location, and the buyer’s circumstances.

Outstanding Debts in Spain

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In Spain, it is common for the buyer to be responsible for any outstanding debts on the property at the time of sale. This includes debts such as mortgage payments, property taxes, and community fees. It is important for buyers to conduct due diligence and obtain a complete understanding of the property’s financial history prior to making a purchase.

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