Mortgage Pre-Check

Calculate Your Buying Power

Get an instant indication of your mortgage feasibility for Spain or Dubai as an NL resident. This is an estimate — not financial advice.

Property Details

Property Price (EUR)

€ 500.000

Own Funds (EUR)

€ 200.000

Income & Debts

Annual Gross Income (EUR)

Monthly: € 7.083

Monthly Debts (EUR)

Existing loans, credit cards, alimony, etc.

Loan Parameters

Term (years)

Interest (%)

Not feasible based on current data

Based on € 500.000 property, € 200.000 own funds, NL non-resident.

Loan Amount

€ 350.000

LTV

70.0%

Monthly Payment

€ 1.752

Stress Test (5.5%)

€ 2.149

DTI Ratio

31.8%

Buffer Score

Low

Cash Overview

Down payment€ 150.000

Total fees & taxes€ 61.750

Total cash needed€ 211.750

Your own funds€ 200.000

Cash remaining€ -11.750

Fees & Taxes Breakdown (Spain)

Transfer Tax (ITP)(10%)€ 50.000

Notary fees(0.75%)€ 3.750

Land registry(0.5%)€ 2.500

Legal fees(1%)€ 5.000

Bank valuation€ 500

Total€ 61.750

Points of Attention

Insufficient own funds to cover down payment and fees
Low cash buffer after purchase — consider increasing own funds

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This calculator provides estimates based on configured assumptions. Results do not constitute financial advice, underwriting, or an offer of credit. Always verify terms with licensed providers.

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