Compare your mortgage options
Fixed vs variable vs mixed, with Euribor scenarios and a Banco de España stress test - and the ICO aval joven for under-35 first-home buyers. Orientation, not advice; a broker arranges.
| Option | Rate | Monthly | Total interest |
|---|---|---|---|
| Fixed | 3% | €948.42 | €84,526.00 |
| Variable (Euribor today) | 3.5% | €1,001.25 | €100,375.00 |
| Variable (Euribor +2pp) | 5.5% | €1,228.17 | €168,451.00 |
| Variable (Euribor -1pp) | 2.5% | €897.23 | €69,169.00 |
| Mixed - initial fixed | 2.6% | €907.34 | €72,202.00 |
| Mixed - after reset | 3.5% | €1,159.92 | €78,380.80 |
At 6% (a Banco de España-style +3pp shock) the fixed payment would be €1,288.60 - €340.18 more a month. Make sure you could still pay it.
Financing this purchase?
We can introduce you to a regulated mortgage broker who works with non-resident and resident buyers in Spain.
Yald is an introducer only. We do not advise on, arrange or provide finance; the broker is independently regulated. Orientation, not advice.
Payments are estimates on the nominal rate (TIN); the TAE also includes fees and products the bank ties in. Orientation only, not a loan offer or advice.
Estimate for orientation only - not tax, legal or financial advice. Figures are computed from versioned, dated reference rates and may be incomplete or out of date. Confirm with your gestor / asesor fiscal.