Spain Mortgage Calculator · August 17, 2026 · Spain · Rules 2026
🇪🇸 Property
Spain Mortgage Calculator
Spain · Rules 2026 · Last reviewed: August 16, 2026 · Verified rules 2026
Estimate a monthly principal-and-interest payment in EUR.
Informational estimate. It does not determine what you are owed or must pay. It is not professional advice and not a government service.
Your estimate
Enter your figures to get an estimate.
Press Calculate when the numbers on the left are ready. The estimate appears here.
How the calculation works
Standard amortization in EUR. It is not a government housing-credit quote.
Formula
Payment = P × r × (1 + r)^n / ((1 + r)^n − 1)
Worked example
A EUR 250000 home with a 50000 down payment.
Estimated monthly housing payment
EUR 1,129.33
- Loan principal200000.00
- Loan-to-value80.00%
- Principal and interest1129.33
- Monthly insurance (optional)0.00
- Monthly property taxes (optional)0.00
- Extra monthly fees (optional)0.00
- Total monthly payment1129.33
Official sources
This tool uses general mathematics rather than a country-specific statute.
Assumptions
- Fixed rate, monthly payments.
Not covered
- Bank fees, notary costs and VAT on interest unless entered as extras.
FAQ
Is this an official housing-credit quote?
No. It is generic amortization in the local currency.
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Found a possible error in this calculation? Report it
This tool provides an estimate based on the stated assumptions, exclusions and rules. Your actual result can vary. It is not tax, legal, accounting or employment advice, and it is not an official government calculator.