Tools
How much can I borrow? Borrowing capacity according to the Banco de España.
We start with the Banco de España's maximum recommended total debt ratio: not exceeding 40% of net monthly income (including mortgage and all other debts). An 80% LTV is standard market practice, not a strict statutory limit.
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).
Estimate based on the Banco de España's recommended maximum (40% of net income for total debts, Banking Customer portal) and standard market 80% LTV. This is not a pre-approval or binding offer. Sky Real Estate does not grant loans: mortgage intermediation is carried out by the group's ICI (code D-286).
Official sources
Frequently asked questions
Want to know how much you can actually borrow?
The group's ICI broker (D-286) will review your profile and compare lenders with no obligation.