Marbella Mortgage Affordability Calculator
Spanish banks lend non-residents under specific rules: max 70% LTV, max 35% DTI, 20-25 year term. Most online mortgage calculators ignore these. This one bakes them in.
Plug in your income + property price + down payment % + interest rate → instant calculation of monthly payment, total interest, DTI ratio (with red-flag at >35%), and total cash needed at closing (down payment + 9.7% transaction costs).
What this calculator does
- Standard mortgage amortization formula (P × r/12 ÷ (1 - (1+r/12)^-n))
- Spanish non-resident bank constraints baked in (70% LTV ceiling warning, 35% DTI flag)
- Andalucía transaction cost included: ITP 7% + AJD 1.2% + extras 1.5% = 9.7%
- Total cash-at-closing calculation (so you know what to wire to escrow)
Common Spanish mortgage rates 2026
| Type | Rate range | Typical use |
|---|---|---|
| Fixed-rate non-resident | 3.5-4.5% | Buyers wanting payment certainty |
| Variable Euribor + spread | 3.0-4.0% | Buyers betting on Euribor decline |
| EU-resident fixed | 2.8-3.8% | EU citizens get slightly better rates |
| Spanish-resident fixed | 2.5-3.5% | Spanish residents (Beckham trigger) |
Related reading
- Marbella Mortgage for Non-Residents — Full Deep-Dive
- Beckham Law Eligibility Quiz
- Marbella Property Buying Complete Guide 2026
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