23 Sep 2026
Charges & required funds
How much of your own money do you actually need to buy a house in Spain?
Many buyers only look at the asking price, forgetting additional buying costs or underestimating the requirements of Spanish banks.
In this new episode of House & Home in Spain, I clearly explain:
- Which additional purchasing costs you always need to account for (and why it's 12% to 14%).
- How much capital you need if you buy without a mortgage.
- Why you need at least 42% to 44% in savings when buying with a Spanish mortgage.
Good financial planning prevents surprises during your property search!
Want an exact calculation of your total budget for a dream home on the Costa Blanca? Send us a message at AP Properties Spain - we’re happy to work it out for you with total transparency!
Don't forget to subscribe to our channel for weekly practical tips on living, buying, and enjoying life in Spain!
Videos
Share
