Assets and liabilities statement DE/EN for Spain and Portugal
As soon as property ownership is involved, the bank asks for a separate statement of your holdings alongside the self-disclosure. All three parts and their fields are on this page, so you can see in advance what to gather. The bilingual, on-screen fillable version is free.
What goes into an assets and liabilities statement for a Spanish mortgage?
The assets and liabilities statement is the overview of your holdings that Spanish and Portuguese banks ask for alongside the self-disclosure as soon as property ownership is involved. It has three parts: part A the real estate, twelve rows per property — address and land registry entry, type of use, residential and commercial area, annual net rent target and actual, interest and repayment, fixed-rate period, creditor, outstanding balance and market value. Part B other liabilities including guarantees, rent guarantees and leasing. Part C other assets, from bank balances through life insurance and securities to participations. At the end you certify completeness; below that is a field for the certification of a tax adviser or auditor. Every field is set out on this page, and the bilingual, on-screen fillable version is free as a PDF.
The three parts of the statement — 3 blocks, 2 pages
This is the full structure of the template. Knowing in advance which column the bank needs saves the third round of follow-up questions — with several properties that is exactly where the time goes.
Real estate
Twelve rows, one per property. For part-ownership, the total and your own share are stated separately.
- Property, address and land registry entry
- Type of use
- Residential and commercial area in m²
- Annual net rent: target and actual
- Interest and repayment p. a.
- Interest rate and repayment rate in % p. a.
- Terms fixed until
- Creditor
- Outstanding loan balance
- Market value
To attach: land registry extract, cadastral map, photos, purchase contract where applicable. Annual net rent is stated excluding service charges and VAT.
Other liabilities
Including contingent liabilities — guarantees, rent guarantees, leasing. Attach the contracts.
- Amount
- Creditor
- Interest and repayment p. a.
- Purpose
Other assets
Attach statements, life-insurance policies and tax assessment.
- Cash and bank balances
- Life-insurance surrender value
- Securities: shares
- Fixed-income securities
- Real-estate fund units
- Participations
- Other assets
At the end you certify that your assets and liabilities are stated completely and correctly — with a field below for the certification of a tax adviser or auditor.
Why the bank asks for it in addition to the self-disclosure
The self-disclosure covers income and expenditure — it describes the current month. The statement describes the stock: what you own, what is charged against it and what it yields. With several properties, with participations or with larger financings, the self-disclosure is not enough for the bank. For non-residents there is a second reason: assets are often spread across countries, and a bilingual statement shows the Spanish or Portuguese bank at a glance what you bring.
What you get
The list above is complete — the template is the same structure as a fillable document: German and English side by side, fillable on screen and ready to sign.
- Assets & liabilities statement DE/EN · 2 pages, parts A to C, fillable or to print
- Straight to your inbox · as an attachment, ready to use
Assets & liabilities statement DE/EN (PDF, 2 pages) — open directly, no form.
To the self-disclosure DE/EN — income and expenditure, the second template the bank asks for.