Clear budgetUnderstand your real buying capacity from the start.
Property financing · MAYRASA
Buy with clear financing before you decide
We explain how to prepare budget, mortgage, costs and paperwork before buying a home in Spain.
Planned costsKnow the full purchase costs to avoid surprises.
Safer reservationArrive prepared and gain advantage in your purchase.
Deciding well starts before viewing.
Before searching
Before falling for a home, make sure the numbers fit too.
We help you understand how far you can go, calmly, without surprises and with clear numbers. Our goal is that you make informed decisions and buy with peace of mind.
We review price, available deposit, purchase costs and a sensible monthly payment to avoid stretched decisions.
Residency, income, age, country, job stability and intended use can affect the bank study.
We clarify taxes, notary, registry, possible insurance, valuation and own funds needed to buy.
Preparing financing early helps negotiation and reduces delays between reservation, contract and completion.
Quick planner
A first picture of your budget
Enter price, own funds, term and indicative rate to see payment, mortgage and cash to prepare.
Informational simulation with an approximate maximum 80% mortgage and estimated purchase costs. It is not a bank offer.
Typical examples
How much cash is worth preparing
These examples show the difference between price, mortgage, payment and own funds before choosing a home.
150.000 EUR
Payment from 416 EUR/month
Cash to plan from 52.500 EUR
200.000 EUR
Payment from 554 EUR/month
Cash to plan from 70.000 EUR
250.000 EUR
Payment from 693 EUR/month
Cash to plan from 87.500 EUR
International buyer
If you buy from another country, your profile matters
A lender may look at tax residence, income currency, job stability, age, property use and available documents.
Residency can change the finance percentage, documents and study timeline.
It helps to prepare payslips, tax returns, bank statements and, where needed, translations or clear explanations.
Main residence, second home, investment or retirement purchase are not studied in exactly the same way.
Document checklist
What a lender may ask for
Every case is different, but early preparation avoids delays when the right home appears.
ID, employment contract, payslips, tax return, bank statements and current debts.
Tax filings, activity summary, accounts, bank statements and income stability.
Pension certificate, recurring income, statements, age and asset position.
Home-country documents, proof of income, funds, NIE and possible translation.
Purchase path
From first orientation to signing
Understanding the steps helps you reserve with more confidence and reach notary without improvising.
We review price, funds, costs and affordable payment.
We organise the case to see whether it is worth moving forward with a lender.
We view homes that fit your financial reality.
Reservation is coordinated with realistic timing for study, valuation and contract.
The bank provides personalised information and warnings before signing.
We coordinate signing, payments, documents and next steps.
Common questions
Questions before reserving
Answering them early avoids surprises when a home truly feels right.
How much does a bank usually finance?
As a reference, many purchases start from an approximate mortgage of up to 80% of price or valuation, but it depends on profile and lender.
Are purchase costs inside the payment?
No. Taxes, notary, registry, valuation, insurance and other costs are calculated separately and require own funds.
Can I reserve before having a bank answer?
It is possible, but it is more prudent to review the financial scenario first so you do not block a home without real margin.
What if the valuation is low?
Financing can be reduced if the bank uses a lower value as reference. Keeping own-funds margin is important.
Does MAYRASA approve mortgages?
No. MAYRASA guides and organises information; final approval always belongs to the lender.
Guidance only, not a bank offer
Any payment or percentage we may discuss is informational. Final approval always depends on the lender, valuation, solvency, documents, age, buyer profile and current conditions.
Calm financing
Tell us your case and we will prepare the path
We help you organise budget, questions and next steps before choosing a home.
Talk to MAYRASA