Mortgage process
The Spanish collateral
The Spanish collateral Important info for when buying a home Read this blog A Spanish mortgage is based on the financial situation of the mortgage applicant as well as the Spanish collateral.. Realise that buying a Spanish property is a different story from buying a Dutch property. Does the property have the right permits? Are…
Lees de blogIn 5 steps to a Spanish mortgage
Mortgage process in Spain explained A mortgage in 6 steps Read this blog The steps for obtaining a Mortgage in Spain A handy step-by-step guide to the process of obtaining a Spanish mortgage. Find out what steps you need to take here! Step 1. Do a financing check It is wise to check (online and…
Lees de blogHow do I check a property in Spain for defects?
Checking Spanish property in Spain for defects How do you approach this when making a purchase? Read this blog How do I check a property in Spain for defects? You are going to buy a property in Spain. Then it is important to check the property carefully for proper permits and registrations. In fact, it…
Lees de blogDocuments for a mortgage in Spain
Documents for a mortgage in Spain What do you need and what do you need to provide? Read this blog What documents do you need for your mortgage application? The Spanish bank will request several documents since you are a foreigner applying for a mortgage in Spain. Your entire financial situation will therefore have to…
Lees de blogBuying a Spanish property… Don’t be fooled!
Spanish home purchases… Don’t be fooled! Don’t fall for the hectic buying process! Read this blog A hectic buying process in Spain You came across a beautiful property during an unexpected house hunt on your Spanish holiday. A property entirely to your taste, with the expected garden and swimming pool. Amazing! You cannot hide your…
Lees de blogNota Simple
Nota Simple Explanation of title deed Read this blog What is a Nota Simple? This document is an extract of the title deed of the property according to the Registro de la Propiedad, also known as theSpanish property register/cadastro. The owner must register his Spanish property in this land register. A recent Nota Simple is…
Lees de blogCedula de la Habitabilidad
Cedula de la Habitabilidad All about the Spanish Residential Permit Read this blog Residence permit in Spain An important document for buying a property in Spain is the Cedula, or residence permit. This document is issued once the property is found to be ‘habitable’ from a legal point of view. For a newly built house,…
Lees de blogThe requirements for a mortgage in Spain
Requirements for a Mortgage in Spain Acceptance criteria of Spanish banks Read this blog Acceptance criteria for a mortgage in Spain The eligibility requirements for a Spanish mortgage differ considerably between Dutch and Spanish banks. Firstly, in Spain there should always be a demonstrable fixed monthly income (preferably from employment). The bank should be able…
Lees de blogHow much can I borrow from a Spanish bank?
What is the maximum amount you can borrow from a Spanish bank? Calculate your maximum financing in Spain Read this blog What can I borrow from a Spanish bank? Unlike in the other parts in the world, a 100% mortgage is not possible in Spain. A Spaniard can get a maximum mortgage of 80%. For…
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