Since the financial crisis happened Spanish Banks became more careful with giving out loans, however they still do so, but on a more strict regulation.

W celu otrzymania kredytu hipotecznego na nieruchomość dla osób niebędących mieszkańcami Hiszpanii, należy posiadać wkład własny w wysokości od 30% - 40% od wartości nieruchomości. Hiszpańskie banki zakładają, że 33% rocznego dochodu powinno równać się całkowitej rocznej spłacie kredytu hipotecznego. To 33% powinno być odliczone po odjęciu wszelkich innych kredytów, czy hipotek, jakie posiadasz. DREAM HOUSE REAL ESTATE może pomóc Państwu w uzyskaniu kredytu hipotecznego na nabycie nieruchomości w Marbelli.

In order to obtain a property mortgage for non-Spanish residents it is required to have between 30% – 40% input of the property value. While Spanish residents can obtain a loan of up to 80% of the property value for the acquisition of property in Marbella. It is considered by the Spanish banks that 33% of your annual income should be equivalent to the total repayment of a said year for mortgage repayments. Those 33% ought to be calculated after the deduction of any other loans, repayments or mortgages you might have. DREAM HOUSE REAL ESTATE can assist you in getting the mortgage for property acquisition in Marbella.

 

In order to obtain a feedback form the bank to check the possibilities of financing, the following documents would be required::

  • Copy of your latest tax declaration or proof of income from an accountant.
  • Statements of the last 3 months from your bank account.
  • Details of your bank in your home country.
  • Photocopy of your passport.

 

If you would like to obtain a higher percentage of financing, there are cases when you can get a mortgage of up to 95% to 100%. To find out more about such properties please contact us on: info@dreamhouse.com.

 

Furthermore, most of Bank Repossessions properties in Marbella can offer a loan of between 80% to 100%.

 

 

We are cooperating with Members of LPA – Leading Property Agents of Spain.

 

Leading Property Agents of Spain is an association of top real estate agents with time-tested reputations along the Costa del Sol. All members are professionally qualified real estate agencies and some of the longest established businesses of the coast.

DREAM HOUSE REAL ESTATE

Katarzyna Sosnowska

+ 48 607 718 667

NIP: 9241889327, Regon: 365141700

 

Marta Nowakowska

+ 48 506 791 811

NIP 9730801792, REGON 081239212

 

 info@dreamhouse-realestate.com

info@dommarzen-nieruchomosci.pl

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