Skip to content

You are here: Main arrow Property
Mortage Print
With DM&K Estate the purchase of your home becomes as easy and trouble-free process as possible!

Buying a home in Spain can sometimes be a complicated process. Whether you need a mortgage or not, we can provide expert advice on all the steps to be taken and the professionals to be contacted, so that your time in Spain is spent enjoying your home and not chasing bureaucracy.

We can put you in touch with the best legal advisers that will keep informed about all the details related to purchasing and financing your home in Spain, helping you to take out mortgage or re-mortgage in the safest way.

You will be expected to prove ability to pay (i.e. wage slips from the last 3 months and bank statements of the last 6 months or, if you are self-employed, copies of your last 3 years accounts (with an auditor's stamp) and copies of you last 12 month's business bank statements and your last 6 months personal bank statements). Proof of payment based on your ability to pay with income received from renting the property will not be taken into account by Spanish banks. See our full list documents necessary to apply for a mortgage with a Spanish bank for residents and non-residents:

 
Non-resident buyers Buyers with Spanish residence permit
  • A copy of your passport
  • Marital status, age, children etc. (married couples applying for a mortgage should provide information about both spouses)
  • Your last three salary pay statements or pension vouchers
  • The last tax declaration made in your home country (P-60)
  • If you are an employer or are self-employed, a copy of your tax returns and annual accounts for the last two fiscal years
  • Information about other properties owned fully or partly
  • Details of the property you are planning to buy
  • A brief description of current job situation, other incomes, investments, debts and other properties whether abroad or in Spain, etc.
  • Information about any other sources of income
  • Copy of the residence permit
  • Marital status, age, children etc. (married couples applying for a mortgage should provide information about both spouses)
  • Your last three salary pay statements or pension vouchers
  • Details of the property you are going to buy («Nota Simple»)
  • Copy of your last tax declaration
  • Photocopy of the last IBI bill
  • Information about any other owned property
  • Information about any other debts
  • Infformation about any other sources of income
  • Annual accounts for the last two fiscal years (if employer or self-employed

If you are non-resident in this country, then you may be asked to provide an avalist. This will be somebody usually based in Spain who agrees to pay in the event of you being unable to. You will also be required to have a NIE (Numero de Identificación para Extranjeros) which is like an ID number everyone needs (residents and non-residents) in order to buy or sell property in Spain.

 

Search Property


Advanced Search

Suninvest Estates

Head office

29600, Spain, Marbella (Malaga) El Rosario, 2, Ed. Vidared, Office 7 ,
Phone/Fax:   + (34) 675 551 002

Представитель в С-Петербурге Анна Суркова

Россия, Санкт-Петербург
Mobile:   (007) 950-028-37-75

телефон для контакта в Москве Наталья Пашкевич

Россия, Москва
Mobile:   +7 (495) 929-657-70-67

E-mail:  This email address is being protected from spam bots, you need Javascript enabled to view it

Feedback

Virtual Tour

Costa del Sol
A day at the beach. A night at the beach. Living ...
Costa del Sol – 320 дней в году солнца
Андалусийские горы оберегают Коста-дель-Соль от холодных ветров, а чистая, голубая вода ...

Property types

Apartment ('piso') - Квартира в жилом комплексе. Бывают однокомнатные, которые называются «студиями» ('estudio'). Их размер начинается от 15-ти метров, включая туалет, коридор и душевую, и редко превышает ...
Plot ('parcela')— отдельный незастроенный участок земли. различается по типу застройки: коммерческой и индивидуальной
Duplex— двухуровневая квартира