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A direct answer to your question plus the shortest way through our pages — entry point, detail, calculator, figures, contact.
Signposts
Answer paths: your question, the short answer, the way to the detail.
For every important question about financing in Spain and Portugal you get a direct answer here and the shortest way through our pages — from the entry point through the detail and the calculator to the figures and the contact.
In short
How this page works
How do I use it?
Find your question, read the short answer, then follow the path from left to right for the full explanation.
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The key questions — answer and route
Equity, costs and valuation
How much equity do I need as a non-resident for a mortgage in Spain?
Around 30 % — Spanish banks lend non-residents up to 70 % of the lower of purchase price and tasación; the purchase costs come on top. Way to the full answer: Info hub → Non-resident requirements → Mortgage readiness check → Mortgage calculator → Facts & figures
What purchase costs should I budget for when buying in Spain?
Around 10–13 % in purchase costs (transfer tax, notary, land registry, tasación, lawyer) on top of your equity — no lender finances them. Way to the full answer: Purchase costs Spain → Purchase cost calculator → Purchase checklists → Facts & figures
What is the tasación, and what happens if the valuation comes in below the price?
The bank lends against the lower of purchase price and tasación — if the tasación is lower, the difference becomes additional equity you have to bring. Way to the full answer: Info hub → Tasación explained → Non-resident requirements → Mortgage calculator → Our fee
Special structures and preserving wealth
How are developer stage payments on a Spanish new build financed?
Most Spanish banks only pay out at completion; only a few houses fund the instalments during the construction phase — those are the ones we approach. Way to the full answer: New build → Stage payments → Cases: construction phase → Case: Santa Ponsa → Mortgage calculator
Can I raise capital on my German property to buy in Spain?
Yes — Perini Finance & Property arranges a charge on the German property up to 80 % of its lending value and on a Spanish property up to 50 % of the tasación; combined that can carry up to 100 % of the Spanish purchase, from one desk (§34i GewO). Way to the full answer: Special financing → German property as security → Spanish loan + German top-up → Equity-release examples → Our fee
How do I release capital from a property I already own in the Balearics?
For non-residents usually up to about 50 % of the tasación — and only a few banks underwrite it. Way to the full answer: Release capital in Spain → Equity release Balearics → Equity-release examples → Cases: preserving wealth → Mortgage calculator
Which ongoing taxes apply if I own in Spain as a non-resident?
Depending on the region, wealth tax can apply; on top of that comes the Modelo 720 reporting duty for assets held outside Spain. Way to the full answer: Info hub → Wealth tax → Modelo 720 → Purchase costs Spain → Facts & figures
How does inheritance and gift tax work on a Spanish property?
It varies sharply by region — some regions grant high allowances, others are considerably more expensive. Way to the full answer: Inheritance & gift tax → Inheritance tax calculator → Cases: inheritance & gifts → Facts & figures
Particular cases
Can I still get a Spanish mortgage as a retiree?
Yes. As a rule of thumb many banks want the loan repaid by around age 75; with two borrowers the younger one counts — both go on the title, minimum share 10 %. Way to the full answer: Special financing → Age limit → Cases: retirement → Case: Roses → Mortgage readiness check
How do I finance a Spanish property as a self-employed buyer?
Through verifiable annual accounts; the debt-service ratio of 30–35 % of net income applies exactly as it does for employees. Way to the full answer: Self-employed → Cases: self-employed → Self-disclosure → Mortgage readiness check → Our fee
Can I mortgage a finca or rural (rústico) property in Spain?
Only if a legalised house registered as a dwelling in the Catastro stands on it — bare farmland is rarely financed in the classic way. Way to the full answer: Finca / rústico → Tasación explained → Case: finca Santanyí → Perini market check
Process, licensing and limits
What are the steps of a Spanish property purchase with financing?
From the NIE number and a pre-check through reservation and tasación to the notarial deed — with the financing ideally settled before you commit. Way to the full answer: Info hub → Buying process Spain → Applying for the NIE → Purchase checklists → Mortgage readiness check → Our fee
Do I need an NIE number, and how do I apply for one?
Yes — the NIE is your Spanish tax identification number; without it neither the purchase nor the financing works. You can apply in Spain or through a consulate. Way to the full answer: Applying for the NIE → Buying process Spain → Non-resident requirements → Purchase checklists
Is the adviser licensed, and what is the fee?
Perini is licensed under §34i GewO; the fee is 1 % of the loan arranged, payable only on success, without IVA. Way to the full answer: Regulatory status → Our fee → Adviser profile → Facts & figures
In which cases will I not get financing in Spain?
Usually when the equity is missing, the property is not bankable, or the tasación falls short of the price — reasons that are known before the application. Way to the full answer: Non-resident requirements → Mortgage readiness check → Perini market check → Facts & figures
Rates and fundamentals
How high are Spanish mortgage rates, and do I choose fixed, variable or mixed?
You choose between a fixed rate, a variable rate tied to Euríbor and a mixed rate; which one carries depends on your term and your appetite for risk. Way to the full answer: Mortgage rates Spain → Mixed-rate mortgage → Mortgage calculator → Facts & figures
Is a mortgage worth it even though I could pay cash?
Often yes — a mortgage keeps capital free and can make sense for tax and asset structure even when you could pay outright. Way to the full answer: Mortgage instead of cash → Release capital in Spain → Mortgage calculator → Cases: preserving wealth
How does a Spanish mortgage differ from German financing?
Substantially — tasación, purchase costs, terms and the choice of lender follow different rules in Spain than in Germany. Way to the full answer: Spanish vs German bank → Spanish banks → Mortgage rates Spain → Mortgage calculator → Our fee
Portugal
How do I finance a property in Portugal as a non-resident?
Banks lend non-residents up to around 80 %; on top of that come the NIF number, the CPCV pre-contract and IMT (7.5 % for non-residents). Way to the full answer: Portugal requirements → Buying process Portugal → IMT Portugal → NIF Portugal → Portugal calculator
What is the CPCV pre-contract in Portugal, and which tax regime (IFICI/NHR) applies?
The CPCV is the binding Portuguese pre-contract with a deposit; on the tax side the IFICI regime — successor to the NHR — can be relevant. Way to the full answer: CPCV pre-contract → IMT Portugal → IFICI (NHR successor) → Portugal calculator
Does buying a property in Spain give me a residence permit?
Buying a property does not by itself grant a right of residence — what applies depends on the current rules, and the requirements pages set that out soberly. Way to the full answer: Non-resident requirements → Wealth tax → All questions → Facts & figures
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Describe your case briefly — you will get an honest answer on whether and how it works.