BANK - Home Financing Spain
We support you in financing your home
Thanks to the continuous growth of the real estate and banking markets, we have gained extensive experience in real estate financing over the past 15 years. This enables us to act as an intermediary and assist you in several countries.
Real Estate Financing in Spain
Apartment - House - Land - Construction
regions of Spain — the Costa del Sol, the stronghold of international golf, where the sun shines almost all year round. Thanks to the local microclimate, temperatures remain extremely pleasant throughout the year, offering everything needed for those who wish to enjoy a combination of eternal summer and spring. The region radiates a sense of luxury due to its natural conditions, yet daily life can be considered very affordable.
Anyone accustomed to CEE prices will be pleasantly surprised when shopping here. Affordable prices are not only limited to food, clothing, and other goods but can also be found in real estate. Newly built residential complexes often feature outdoor and indoor pools, gyms, and full SPA areas, with both purchase prices and maintenance costs being especially reasonable. Of course, the selection is very diverse, so various realities can be encountered, but the proportions speak for themselves.
Costa del Sol is a great place to vacation, but an even better place to live. One of the strongest arguments for families is the truly child-friendly education system, free from outdated influences. Similar to Croatia, countless developments are taking place here as well, creating opportunities for speculative investments with an investor's perspective.
Important Information:
Requirements, necessary documents:
From 18 years of age (legally competent persons)
EEA citizens
Main residence within the EU
30–35% equity if salary is in EUR
50% equity if salary is in another currency
Payslips from the last 3 months
Bank statements from the last 3 months
Copy of ID
Copy of proof of residence
For purchases through a broker: Exposé
For private purchases: Land register extract, floor plan, energy certificate, interior and exterior photos
For construction: Building plan, elevation plan, land register extract of the plot, calculation or building offer
Additional purchase costs (vary by province):
Property transfer tax 6–10%
Stamp duty 1–1.5%
Notary and land register fee 0.1–2%
*Commission 2.5–7% – included in the purchase price and paid by the seller
Our free services:
- Telephone and online credit check
- Consultation: assessment of the property offer, advantages and disadvantages of different property types, aspects to consider, hidden risks, and the structure of the administrative process from A to Z
Our paid services:
Joint property viewing
Mediation between buyer and seller
Price negotiation with the seller
Condition assessment and determination of renovation needs
Support with submitting and accepting the offer
Tax advice for investors
Engagement of a law and notary office: drafting a purchase agreement at a favourable price, opening an escrow account, handling tax refunds, settlement of the purchase price between the parties, registration in the land register
Company formation
Property management
Insurance
Loan calculator:
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