Mortgage & Financing

Debt Ratio

Evaluate your Debt-to-Income (DTI) ratio — a key affordability metric for lenders.

Monthly Net Income (€) Salary, self-employed income, dividends, bonuses, commissions, pension, rental income.

Monthly Debt & Expenses (€) Mortgages, credit cards, personal or auto loans, rent, other recurring obligations.

Monthly Mortgage (auto) Calculated automatically from the estimator below.

Current DTI –

DTI with Mortgage –

Quick Mortgage Estimator

Property Price (€)

Down Payment (%)

Mortgage Principal (€)

Duration (years)

Interest Rate (%)

Note: DTI shows what percentage of income goes to debt. Banks generally prefer it to remain below 35–40 %.

Max Mortgage

Estimate the maximum mortgage amount you can afford based on your income, existing debts, and target DTI.

Monthly Net Income (€)

Monthly Debt & Expenses (€)

Target DTI (%) Typical lending limits range between 35–40 % of monthly income.

Interest Rate (%)

Duration (years)

Assumed Down Payment (%)

Max Monthly Payment –

Max Mortgage Amount –

Estimated Property Price –

Effective DTI Used –

Note: This calculation assumes all income and expenses are stable. Banks may also apply internal stress tests, loan-to-value (LTV) limits, or require higher margins.

Mortgage Products

Determine your eligibility for mortgage products in Spain based on your currency of income and age.

Currency of Income

Applicant Age Oldest applicant in case of joint application.

Mortgage Duration (years)

Eligibility Result –

Note: Spanish banks typically require that the applicant's age at loan maturity does not exceed 80 years. Eligibility may vary by lender, risk profile, and residency status.