Real estate-backed financing

Get financing secured by real estate in Spain without bureaucratic traps.

We help arrange a loan secured by real estate in Spain: we determine the value of the collateral, select the bank, and prepare the documents. This service is important for both local residents and foreigners, as it allows for quick financing to purchase another property, refinance debts, or cover any other needs.

1000 € 1-3 weeks

Our capabilities and skills

We help with the appraisal of the property so that the bank approves the loan for the maximum possible amount.

We check the legal purity of the transaction, eliminating the risk of losing property due to errors in the documents.

We provide clarifications on taxes and fees, so that you understand all costs in advance and avoid unpleasant surprises.

We take into account the nuances for foreigners: translation of documents, proof of income and requirements of immigration law.

Service implementation stages

Analysis and valuation of your property

Preparation of a set of documents and legal certificates

Selection of a bank or investor with optimal conditions

Agreement of interest, terms and payment schedule

Signing of the loan agreement and registration of the collateral

We have answers to all your questions

Final result

An approved loan, formalized without unnecessary obstacles and risks, which gives you the freedom to invest the funds in other purposes or to pay off previous debts.

1000 € 1-3 weeks

Frequently asked questions

What percentage do banks usually set when lending against real estate?

The interest rate depends on the appraised value of the property, the loan amount and the borrower's creditworthiness. On average, offers range from 2% to 5% per annum.

How do I determine how much I can get with a mortgage?

The loan amount is usually 50-70% of the appraised value of the property, in some cases it can be up to 80%.

What will happen to my property if I cannot repay the loan?

In the event of a serious delay, the bank has the right to go to court and initiate the procedure for foreclosure of the pledged property.

Is it possible to repay the loan early and what will happen to the collateral?

Yes, early repayment is allowed, but the bank may charge a fee for early closure of the loan. After full settlement with the lender, the collateral is removed, and you get full freedom to dispose of the property.

What do I do if the bank refuses the loan due to insufficient income?

Alternative options can be considered: adding a co-borrower, providing additional security, or turning to private investors.

How does the bank evaluate the property?

Usually, the bank engages an independent appraiser who takes into account the location, condition and market analogues. The amount that the bank is willing to lend depends on the final report.

Is it possible to change the loan terms after signing the contract?

Usually, the main parameters are fixed in the contract: interest rate, term and payment schedule. Changes are possible only with the consent of the parties and are formalized by an additional agreement.

What happens to the debt if the mortgaged property is sold?

To sell the mortgaged property, you need to repay the loan or get the bank's permission to re-register it.

Can I get a loan secured by real estate if I am not a resident of Spain?

Yes, it is possible. However, banks have stricter requirements for non-residents in terms of documentation and proof of income.

How long does the process of obtaining a loan secured by collateral take?

With all the documents in order and successful agreement with the bank, the transaction can take from 1 to 3 weeks.

Is it mandatory to take out insurance when taking out a loan secured by real estate?

Many banks require insurance of the mortgaged property and personal insurance of the borrower. Insurance increases the chances of approval and lowers the interest rate.

If I already have a mortgage, can I get an additional loan secured by collateral?

Theoretically yes, but the amount and conditions will depend on the remaining debt and the market value of the property.

Is it possible to get a loan secured by commercial real estate?

Yes, banks and investors consider such properties, but assess their liquidity and profitability.

Do I have to pay tax on a loan granted?

Normally, no tax is levied on the receipt of the loan itself. However, there are mandatory fees for formalizing the mortgage document, which vary by region of Spain.

Can I use the money received for any purpose?

Yes, unless the bank or investor imposes special conditions. The funds can be used for repairs, refinancing other debts or buying another property. The main thing is to service the loan on time.