INMOBILIARIA M.U.T.

Calculate your mortgage

Estimate your monthly mortgage payment. Indicative and no obligation.

Taxes and costs not included: they vary by region.

Monthly payment1,138 € /mo.
Mortgage amount: 240,000 €Financing: 80%
Savings / down paymentMortgage amountTotal interest
Price300,000 €
Total cost300,000 €
Savings / down payment−60,000 €
Mortgage amount240,000 €
Total interest101,432 €
Total cost with mortgage401,432 €
Principal: 240,000 €
Interest: 101,432 € (30%)
Principal and interest paid (cumulative)
0 €171 k €341 k €01325
Principal Interest

Types of mortgage

Fixed-rate mortgage

The payment stays the same for the whole life of the loan. More predictable: you know exactly what you'll pay each month.

Variable-rate mortgage

Linked to Euribor plus a margin. The payment rises or falls as the index moves; it usually starts from lower rates.

Mixed-rate mortgage

Combines an initial fixed-rate period and the rest at a variable rate. A middle ground between security and initial cost.

How the process works

  1. 1Calculate your payment and purchase costs with this tool.
  2. 2Gather your documentation (income, savings, employment situation).
  3. 3Compare offers from several lenders and negotiate the terms.
  4. 4Property valuation and bank approval.
  5. 5Sign before a notary and receive the keys.

Mortgages for non-residents

Many banks offer mortgages to non-resident buyers, usually with slightly lower financing.

Frequently asked questions

As a guide, banks usually finance up to 80% of the property's value, so you'll need around a 20% down payment plus the purchase taxes and costs, which depend on the region.

Indicative calculation; it does not constitute a financial offer. It does not include purchase taxes or costs, which vary by region. Always check the terms with your advisor and your bank.