{"id":9539,"date":"2023-11-07T11:23:57","date_gmt":"2023-11-07T10:23:57","guid":{"rendered":"https:\/\/era.archi\/?p=9539"},"modified":"2024-08-07T16:00:32","modified_gmt":"2024-08-07T14:00:32","slug":"mortgages-in-barcelona-spain","status":"publish","type":"post","link":"https:\/\/era.archi\/en\/mortgages-in-barcelona-spain\/","title":{"rendered":"Mortgages in Barcelona Spain"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom: 0px;margin-top: 0px;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"margin-top:0px;margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\" style=\"transform:translate3d(0,0,0);\"><h1><span style=\"font-weight: 400;\">Mortgages in Barcelona Spain<\/span><\/h1>\n<p><span style=\"font-weight: 400;\">Despite this post being written for Barcelona it covers the logic applied in all Spain.<br \/>\nAnd I&#8217;ll be covering this aspects:<\/span><\/p>\n<ul>\n<li>How much they cover? (loan to value)<\/li>\n<li>Years to pay off mortgage (loan term)<\/li>\n<li>Interest rates for mortgages in Barcelona<\/li>\n<li>Can mortgage cover renovation costs?<\/li>\n<li>Mortgage with other currencies<\/li>\n<li>Mortgage payments with foreign bank account<\/li>\n<li>How much saving do I need? (example)<\/li>\n<li>How to avoid vinculated products<\/li>\n<li>What&#8217;s the mortgage process?<\/li>\n<li>Other important issues<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">May you don\u2019t know us yet, let\u2019s have a quick introduction: we&#8217;re ERA architects.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Actually, I&#8217;m Esther Rovira, architect and passive house designer in Barcelona and Catalonia for either passive houses, efficient houses and positive houses.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">In this post <\/span><i><span style=\"font-weight: 400;\">\u2018Mortgages in Barcelona Spain&#8217;<\/span><\/i><span style=\"font-weight: 400;\">, you&#8217;ll find the list of basics you need to know before you start your renovation in Barcelona.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">I hope it helps you! Let&#8217;s explore the 4 basics of a positive home renovation.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How much they cover?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The loan to value ratio (LTV) can be up to 80% depending on 4 aspects:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span style=\"font-weight: 400;\">Property use<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Either primary home, second home or buy to rent (last two maximum 70% LTV)<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span style=\"font-weight: 400;\">Residency<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Resident or non-resident (maximum 70% for the last one)<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span style=\"font-weight: 400;\">Income type<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Employee contract, freelancer, savings, properties\u2026\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span style=\"font-weight: 400;\">Debts<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Debts can be a hassle\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Years to pay off a mortgage in Barcelona?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The loan terms are maximum 30 years, however it varies with your age.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Interest rates for mortgages in Barcelona<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expect rates starting at 3% onwards.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Can mortgage cover renovation cost?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re thinking of buying to renovate, most banks won\u2019t let you enough money to cover the renovation.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">However there are some mortgage companies (not banks) that can cover the renovation costs. Our mortgage lender company is able to cover up to 30% of the property value to dedicate it to the renovation.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Mortgage with other currencies<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Most banks in Spain are reluctant to work with different currencies. Only some mortgage companies are able to deliver mortgages with any type of currency.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Mortgage payments in a foreign bank account<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Most banks in Spain force you to have a Spanish bank in order to deal with the monthly payment of your mortgage. Just a few mortgage companies are able to manage mortgage monthly payments within a foreign bank account.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How much savings do I need for a mortgage?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before I answer this question, let\u2019s talk about the side costs and taxes when dealing with buying a property.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Expect to pay 10% of the purchase price in terms of taxes (\u2018<\/span><i><span style=\"font-weight: 400;\">Impuesto de transmisiones patrimoniales\u2019<\/span><\/i><span style=\"font-weight: 400;\">). Also an extra 2.500\u20ac onwards in terms of paperwork (<\/span><i><span style=\"font-weight: 400;\">\u2018escritura\u2019, \u2018registro propiedad\u2019<\/span><\/i><span style=\"font-weight: 400;\"> and notary services).<br \/>\n<\/span><span style=\"font-weight: 400;\">In case you buy to renovate, the mortgage will cover the purchase and your renovation. The renovation will need to be up to 30% of the purchase value. Besides this, considering non-residents, you\u2019ll get a maximum of 70% covered by the mortgage. So here some example:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Purchase price<\/span><\/td>\n<td><span style=\"font-weight: 400;\">350,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">purchase tax (10%)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">35,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">notary + register<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Renovation (30% of purchase amount)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">105,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>total funds<\/b><\/td>\n<td><b>492,500<\/b><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Base for mortgage calculation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">455,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mortgage cover non-resident (70% max)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">318,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Own funds<\/b><\/td>\n<td><b>174,000<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Own funds percentage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">35.33%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For an apartment purchase price of 350.000\u20ac, you can get up to 30% of this amount in terms of renovation costs, which is 105.000\u20ac. Then the mortgage would cover 70% of these two amounts. So 70% of 455.000 is 318.500\u20ac that would cover your mortgage. Then you need to have savings for a total value of 174.000\u20ac.<br \/>\n<\/span><span style=\"font-weight: 400;\">This is of course assuming that you\u2019ve been pre-approved before considering your personal profile of assets and liabilities.<br \/>\n<\/span><span style=\"font-weight: 400;\">Note that mortgage lenders can offer better conditions with higher savings and less salary than the opposite. Meaning worse mortgage conditions with low savings and higher salary. So the more savings the better!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to avoid vinculated products when signing a mortgage<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Most banks in Spain force you to hire vinculated products in order to sign a mortgage with them. This means you need to hire life insurance and home insurance in order to hire the mortgage (this is very common). <\/span><span style=\"font-weight: 400;\">However there are other mortgage companies that do not require this.\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What\u2019s the process of a mortgage in Barcelona?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This is a long item that we will deliver in a separate post to define the process in terms of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-evaluation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property Valuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Placing final offer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sign the <\/span><i><span style=\"font-weight: 400;\">\u2018arras\u2019<\/span><\/i><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The transaction<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You may find all details in our other post <\/span><i><span style=\"font-weight: 400;\">\u2018<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/era.archi\/en\/mortgage-process-in-barcelona\/\" target=\"_blank\" rel=\"noopener\">Mortgage process in Barcelona<\/a><\/span>\u2019.<\/span><\/i><\/p>\n<h2><span style=\"font-weight: 400;\">Other issues you need to take into account<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This is a long item that we will deliver in a separate post to define these aspects:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foreign exchange rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal considerations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax &amp; wealth management<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You may find all details in our other post &#8216;<\/span><i><span style=\"font-weight: 400;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/era.archi\/en\/mortgage-financials-in-barcelona-spain\/\" target=\"_blank\" rel=\"noopener\">Mortgage financials in Barcelona<\/a><\/span>\u2019.<\/span><\/i><\/p>\n<h2><span style=\"font-weight: 400;\">How to start?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The best way to start is to get a pre-evaluation with an English speaking expert. This evaluation can be done without a specific property. We\u2019re able to offer this pre-evaluation with our team for free. <\/span><span style=\"font-weight: 400;\">This pre-evaluation consists of 1 hour online call and once we\u2019ve received all the required documents, we take 10 days maximum to deliver the result of the pre-evaluation and study. <\/span><span style=\"font-weight: 400;\">You can book this call <\/span><a href=\"https:\/\/calendly.com\/esther-v6u\/test\"><span style=\"font-weight: 400;\"><strong><span style=\"color: #0000ff;\">here<\/span><\/strong><\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusions<\/span><\/h2>\n<ul>\n<li><strong>Loan to Value Ratio (LTV):<\/strong>\n<ul>\n<li>Up to 80% depending on factors such as property use, residency status, income type, and existing debts (70% max for non-residents).<\/li>\n<li>Different limits for primary homes (up to 80%), second homes, and buy-to-rent properties (maximum 70% LTV).<\/li>\n<\/ul>\n<\/li>\n<li><strong>Loan Terms:<\/strong>\n<ul>\n<li>Maximum loan terms are 30 years, but it varies based on the borrower&#8217;s age.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Interest Rates:<\/strong>\n<ul>\n<li>Expect mortgage interest rates starting at 3% onwards.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Renovation Costs:<\/strong>\n<ul>\n<li>Traditional banks may not cover renovation costs for property purchase.<\/li>\n<li>Some mortgage companies, not banks, can cover up to 30% of the property value for renovations.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Currency and Payments:<\/strong>\n<ul>\n<li>Most banks in Spain are reluctant to work with different currencies.<\/li>\n<li>Limited options for managing mortgage payments in a foreign bank account; few mortgage companies provide this service.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Savings and Costs:<\/strong>\n<ul>\n<li>Consider side costs and taxes when buying a property, including 10% of the purchase price in taxes.<\/li>\n<li>Additional costs for paperwork (<em>escritura, registro propiedad<\/em>, and notary services) may amount to \u20ac2,500 or more.<\/li>\n<li>Savings of approximately 35.33% of the total funds needed are required.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Vinculated Products:<\/strong>\n<ul>\n<li>Many banks in Spain require vinculated products like life insurance and home insurance to approve a mortgage.<\/li>\n<li>Some mortgage companies do not impose such requirements.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Mortgage Process:<\/strong>\n<ul>\n<li>Detailed process steps include pre-evaluation, property valuation, placing a final offer, signing the &#8216;arras,&#8217; and completing the transaction.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Additional Considerations:<\/strong>\n<ul>\n<li>Separate posts cover aspects like foreign exchange rates, legal considerations, and tax and wealth management.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Getting Started:<\/strong>\n<ul>\n<li>Begin with a pre-evaluation with an English-speaking expert, allowing a preliminary assessment without a specific property.<\/li>\n<li>Our trusted partner, holding 1.5% of the market share in Spain, works with any currency, accepts payments from foreign accounts, and doesn&#8217;t mandate vinculated products.<\/li>\n<li>The pre-evaluation consists of a 1-hour online call, and results are delivered within a maximum of 10 days upon receiving the required documents.<\/li>\n<li>Interested individuals can book the pre-evaluation call through the provided link.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>In summary, understanding the nuances of mortgages in Barcelona involves considerations of LTV ratios, interest rates, renovation costs, currency options, savings requirements, vinculated products, and a detailed mortgage process. Choosing the right partner for a pre-evaluation can streamline the initial steps towards acquiring a mortgage in Spain.<\/p>\n<p><span style=\"font-weight: 400;\">Hope this post <\/span><i><span style=\"font-weight: 400;\">&#8216;Mortgages in Barcelona Spain&#8217;<\/span><\/i><span style=\"font-weight: 400;\"> is helpful!<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">(leave a your questions or comments below and we&#8217;ll try answer them)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Best of luck on your positive home renovation adventure.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">See you on the next post,<\/span><\/p>\n<div>\n<p><img decoding=\"async\" class=\"alignnone wp-image-7220 size-thumbnail\" src=\"https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-150x150.jpg\" alt=\"architectBarcelona\" width=\"150\" height=\"150\" srcset=\"https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-66x66.jpg 66w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-150x150.jpg 150w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-200x200.jpg 200w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-300x300.jpg 300w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-400x400.jpg 400w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-600x600.jpg 600w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-768x768.jpg 768w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-800x800.jpg 800w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-1024x1024.jpg 1024w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47.jpg 1133w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/p>\n<\/div>\n<div><strong><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/www.linkedin.com\/in\/estherrovira\/\" rel=\"noopener noreferrer\">Esther Rovira Raurell<\/a><\/span><\/strong><\/div>\n<div><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/era.archi\/estudio\/\">Architect in Barcelona<\/a> #<a style=\"color: #000000;\" href=\"https:\/\/www.arquitectes.cat\/\" rel=\"noopener noreferrer\">COAC 44234-8<\/a><\/span><\/div>\n<div><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/www.passivhausplaner.eu\/index.php?lang=en-GB\" rel=\"noopener noreferrer\">Passive House Designer<\/a><\/span><\/div>\n<div><span style=\"color: #000000;\">Affiliated to the <a style=\"color: #000000;\" href=\"https:\/\/passivehouse-international.org\/memberSearchDetails.php?member_id=9577\" rel=\"noopener noreferrer\">International Passive House Association<\/a><\/span><\/div>\n<div><span style=\"color: #000000;\">Founder of <a style=\"color: #000000;\" href=\"https:\/\/era.archi\/es\" rel=\"noopener noreferrer\">ERA architects<\/a> <\/span><\/div>\n<div><\/div>\n<p>P.S. Wanna get FREE tips for your project weekly?<strong> <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/mailchi.mp\/70756c2ddba1\/barcelona-green-architect-tips\" target=\"_blank\" rel=\"noopener\">Yas!<\/a><\/span> <\/strong><span style=\"color: #000000;\">or follow us on <a style=\"color: #000000;\" href=\"https:\/\/www.instagram.com\/era.archi\/\" target=\"_blank\" rel=\"noopener noreferrer\">Instagram<\/a> and\u00a0<a style=\"color: #000000;\" href=\"https:\/\/www.facebook.com\/ERAarchis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Facebook<\/a><\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":9553,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[895],"tags":[355,138,757,629,751,142,758,795,759,760,868,630,750,628,813,812,665,165],"class_list":["post-9539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-move-to-barcelona-from-us","tag-architect-barcelona","tag-architect-passive-house-barcelona","tag-buy-or-renovate","tag-clt-house","tag-construction-permit-process-spain","tag-english-speaking-architect-barcelona","tag-green-home","tag-green-home-renovation","tag-green-renovation","tag-house-renovation","tag-passive-house-en-3","tag-passive-house-barcelona","tag-permit-process-spain","tag-positive-house","tag-renovation-barcelona","tag-renovation-subsidies-in-barcelona-2024","tag-solar-energy","tag-wood-house"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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