Spain Mortgage Calculator 2026
Estimate monthly payments on a Spanish home loan using a fixed-rate monthly annuity. Enter the interest rate your lender quoted — this page does not invent market rates.
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Frequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
Is the interest rate official?
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Is the interest rate official?
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No. You type the contractual rate. This page does not publish a Banco de España average as if it were a statutory figure.
Does the payment include insurance?
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Does the payment include insurance?
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Only if you enter a monthly insurance amount. Lender-required borrower insurance is priced per contract.
Are notary and AJD fees included?
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Are notary and AJD fees included?
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No. Notary, registry, tasación and transfer tax (ITP or IVA/AJD) depend on the deed and the autonomous community, so they are omitted rather than guessed.
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