yald

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.

How much can I borrow to buy in Alicante?Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply in the Valencian Community.How much can I borrow to buy in Barcelona?Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply in Catalonia.How much can I borrow to buy in Bilbao?Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply in the Basque Country.How much can I borrow to buy in Madrid?Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply in the Community of Madrid.How much can I borrow to buy in Málaga?Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply in Andalusia.How much can I borrow to buy in Murcia?Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply in the Region of Murcia.How much can I borrow to buy in Sevilla?Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply in Andalusia.How much can I borrow to buy in Valencia?Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply in the Valencian Community.How much can I borrow to buy in Zaragoza?Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply in Aragon.
OptionRateMonthlyTotal interest
Fixed3%€948.42€84,526
Variable (Euribor today)3.5%€1,001.25€100,375
Variable (Euribor +2pp)5.5%€1,228.17€168,451
Variable (Euribor -1pp)2.5%€897.23€69,169
Mixed - fixed period2.6%€907.34€24,104
Mixed - after reset, on the balance left3.5%€983.98€66,492
Stress test

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.