Debt Ratio
Evaluate your Debt-to-Income (DTI) ratio, a key debt capacity metric for lenders.
Salary, self-employed income, dividends, bonuses, commissions, pension, rental income.
Mortgages, credit cards, personal or auto loans, rent, other recurring obligations.
Calculated automatically from the estimator below.
Current DTI–
DTI with Mortgage–
Mortgage Estimator
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.
Max Mortgage by DTI
Typical lending limits range between 35–40% of monthly income.
Max Monthly Payment–
Max Mortgage Amount–
Estimated Property Price–
Effective DTI Used–
Max Mortgage by Cash on Hand
Total funds available for purchase. Should cover down payment and taxes.
Minimum 30% for non-resident buyers in Spain.
New development ≈ 13% extra costs; resale ≈ 10% extra costs.
Estimated Property Price–
Estimated Max Mortgage–
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, fiscal residency and age.
Oldest applicant in case of joint application.
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.
Early Repayment
Calculate the maximum fees applicable on an early or partial mortgage repayment under Spanish law (Ley 5/2019).
Outstanding Balance
Applicable Fee Rate –
Early Repayment Fee –
Est. Notary & Registry Cancellation –
Total Estimated Early Repayment Cost –
Legal basis (Ley 5/2019 — natural persons only):
Variable rate: max 0,25% within first 3 years · max 0,15% between years 3–5 · 0,00% after year 5.
Fixed rate: max 2,00% within first 10 years · max 1,50% after year 10.
Note on fixed rate after year 10: The 1,50% cap only applies if the bank demonstrates a financial loss. If no loss is incurred, no fee is legally due. The figure shown is therefore a worst-case estimate.
Notary and registry cancellation expenses are estimated at up to €1.000 regardless of interest type.
Variable rate: max 0,25% within first 3 years · max 0,15% between years 3–5 · 0,00% after year 5.
Fixed rate: max 2,00% within first 10 years · max 1,50% after year 10.
Note on fixed rate after year 10: The 1,50% cap only applies if the bank demonstrates a financial loss. If no loss is incurred, no fee is legally due. The figure shown is therefore a worst-case estimate.
Notary and registry cancellation expenses are estimated at up to €1.000 regardless of interest type.
Asset-Based Lending
Estimate your borrowing capacity based on pledgeable assets (Lombard credit).
Pledgeable Assets
Description Asset Class Value (€) Pledgeable (€)
Lombard loans, margin loans, or any facility already secured against pledged assets.
Total Asset Value –
Total Pledgeable Value –
Available Loan (net of existing debt) –
Note: LTV rates applied are indicative private banking standards. Actual rates depend on asset liquidity and lender risk appetite. Volatile or illiquid assets may attract lower LTVs or be excluded entirely.
Net Worth Capacity
Estimate your maximum financing capacity based on total net worth.
Real estate, financial portfolios, business interests, cash, and other assets at current market value.
All outstanding debt — mortgages, loans, credit facilities.
Net Worth –
Private Bank Lending Capacity
Based on the industry standard of 40% of net worth as the maximum lending exposure.
Maximum Lending Capacity (40%) –
Total debt already in place — mortgages, Lombard, other facilities.
Remaining Borrowing Headroom –
Note: The 40% ratio is a widely used banking benchmark but is not a regulatory requirement. Actual appetite varies significantly by institution, client profile, asset quality, and relationship history. Some banks apply 30% or up to 50% for well-known clients with liquid portfolios.
Disclaimer: This tool is for informational purposes only and does not constitute legal or financial advice. Calculations are estimates and may not reflect actual financing terms. For personalized assistance, please contact us at contact@utrust.es.