Mortgage calculator
What's your monthly payment?
2026 updated rates. No registration, no email.
Mortgage data
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FAQs
Common questions.
How much can I borrow with my income?
Banks limit monthly payment to 30-35% of net income. A couple with €3,500/mo net can have max payment €1,225, allowing ~€280,000 mortgage at 30 years TIN 3.2%.
Monthly payment on €150,000 mortgage 30 years 2026?
At current rates: fixed 3.20% TIN ≈ €649/mo; variable Euribor + 0.80% ≈ €657/mo; mixed 10yr fixed at 3.00% + variable ≈ €632/mo.
Can banks tie products to mortgage?
Yes. Common ties: salary direct debit (-0.10-0.30%), home/life insurance (-0.15-0.40%), cards and pension plans. Calculate carefully if ties pay off.
Best banks for investment in Valencia?
2026: BBVA, CaixaBank, Santander, Sabadell, Bankinter most competitive. Investment terms stricter: 70-75% LTV, rates 0.40-0.80% above primary residence.