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How much can I borrow? Borrowing capacity according to the Banco de España.

We start from the Banco de España's maximum recommended total debt service ratio: not exceeding 40% of monthly net income (including mortgage and other debts). An 80% LTV is standard market practice, not a strict legal limit.

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Borrowing capacity

How much could you borrow?

Estimate based on 40% of your net income (maximum recommended total debt ratio according to the Banco de España Bank Customer Portal) and 80% LTV (standard market practice).

Estimated maximum mortgage

253.087 €

Estimated maximum monthly payment: 1000 € / month

Property price (80% LTV)
316.359 €
Property price with your savings (excluding purchasing costs)
293.087 €
Recommended property price
293.087 €
  • With 80% LTV, you would need savings of at least €58.617 (excluding taxes and purchasing costs).
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Estimation based on the Banco de España's recommended maximum (40% of net income for total debt payments, Banking Client portal) and standard 80% LTV practice. This is not a pre-approval or a binding offer. Sky Real Estate does not grant loans: credit intermediation is carried out by the group's ICI (code D-286).

Official sources

Frequently asked questions

Where does the 40% figure come from?
From the Banco de España's Banking Client portal: total debt repayments (mortgage and other debts) should not exceed 40% of net monthly income, leaving at least 60% for living expenses.
Do banks always use 40%?
No. The 40% figure is a prudent recommendation from the BdE. Each lender applies its own credit scoring; in stability analyses, the BdE also references debt service thresholds of 35% as a prudent assessment criterion, rather than a mandatory lending rule.
What is 80% LTV?
Loan to Value: financing up to 80% of the purchase price is standard practice. It is not a fixed legal cap; it depends on the lender, profile and valuation.

Want to know how much funding you could really secure?

The group's ICI broker (D-286) reviews your profile and compares lenders without obligation.

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