{"id":2048,"date":"2026-08-12T06:34:41","date_gmt":"2026-08-12T06:34:41","guid":{"rendered":"https:\/\/achetermalincostabrava.com\/acheter-une-maison-sur-la-costa-brava\/quel-apport-faut-il-prevoir-pour-un-financement-espagnol\/"},"modified":"2026-10-13T10:04:34","modified_gmt":"2026-10-13T08:04:34","slug":"what-deposit-do-you-need-for-a-spanish-mortgage","status":"publish","type":"amcb_kb_question","link":"https:\/\/achetermalincostabrava.com\/en\/buying-a-house-on-the-costa-brava\/what-deposit-do-you-need-for-a-spanish-mortgage\/","title":{"rendered":"What deposit do you need for Spanish financing?"},"content":{"rendered":"<p>This is the figure that surprises our clients used to French lending the most: to borrow in Spain as a non-resident, you generally need to put in nearly half the property price. Here is where that figure comes from and how to plan for it.<\/p>\n<h2>Why such a large deposit?<\/h2>\n<p>For a non-resident, Spanish banks usually finance 60% to 70% of the purchase price, or of the valuation if that is lower. Purchase costs are not financed. The general terms of these loans are covered in our article on <a href=\"https:\/\/achetermalincostabrava.com\/en\/buying-a-house-on-the-costa-brava\/can-a-non-resident-get-a-mortgage-in-spain\/\">mortgages for non-residents<\/a>.<\/p>\n<h2>A worked example<\/h2>\n<p>For a \u20ac300,000 flat financed at 65%:<\/p>\n<ul>\n<li>bank loan: \u20ac195,000;<\/li>\n<li>deposit towards the price: \u20ac105,000;<\/li>\n<li><a href=\"https:\/\/achetermalincostabrava.com\/en\/buying-a-house-on-the-costa-brava\/what-costs-are-added-to-the-purchase-price-in-catalonia\/\">purchase costs<\/a> (around 13%): \u20ac39,000;<\/li>\n<li>mortgage costs (valuation, arrangement fees): a few thousand euros.<\/li>\n<\/ul>\n<p>In total, around \u20ac145,000 to \u20ac150,000 of your own funds, nearly half the price. And you still need a reserve for settling in and any work.<\/p>\n<h2>What else the bank looks at<\/h2>\n<p>Your debt ratio, stable income and where your deposit comes from: the funds must be documented and traceable. The bank has the property valued; if the valuation is below the negotiated price, the loan is calculated on the lower figure.<\/p>\n<h2>Alternatives to reduce the deposit<\/h2>\n<ul>\n<li>Borrowing in France, secured on a property you already own there.<\/li>\n<li>Using a life insurance policy through an advance or a partial surrender.<\/li>\n<li>Combining a small Spanish loan with French funds.<\/li>\n<\/ul>\n<p>Each option has its own cost and timescale: compare them before you start searching, to set <a href=\"https:\/\/achetermalincostabrava.com\/en\/buying-a-house-on-the-costa-brava\/how-to-set-a-realistic-budget-before-you-start\/\">a realistic budget<\/a>.<\/p>\n<blockquote>\n<p>Knowing your deposit before the first viewing means knowing what you can really buy, and negotiating as a serious buyer.<\/p>\n<\/blockquote>","protected":false},"menu_order":370,"template":"","amcb_kb_category":[27],"class_list":["post-2048","amcb_kb_question","type-amcb_kb_question","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/achetermalincostabrava.com\/en\/wp-json\/wp\/v2\/amcb_kb_question\/2048","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/achetermalincostabrava.com\/en\/wp-json\/wp\/v2\/amcb_kb_question"}],"about":[{"href":"https:\/\/achetermalincostabrava.com\/en\/wp-json\/wp\/v2\/types\/amcb_kb_question"}],"version-history":[{"count":1,"href":"https:\/\/achetermalincostabrava.com\/en\/wp-json\/wp\/v2\/amcb_kb_question\/2048\/revisions"}],"predecessor-version":[{"id":2126,"href":"https:\/\/achetermalincostabrava.com\/en\/wp-json\/wp\/v2\/amcb_kb_question\/2048\/revisions\/2126"}],"wp:attachment":[{"href":"https:\/\/achetermalincostabrava.com\/en\/wp-json\/wp\/v2\/media?parent=2048"}],"wp:term":[{"taxonomy":"amcb_kb_category","embeddable":true,"href":"https:\/\/achetermalincostabrava.com\/en\/wp-json\/wp\/v2\/amcb_kb_category?post=2048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}