Tools

Real estate tools. Calculations based on official sources.

Simulators and calculators for buying, financing, renting or selling. Taxes use current standard rates; borrowing capacity follows Banco de España guidelines.

Mortgage calculator

French system monthly repayment + ITP or IVA/IGIC and AJD by autonomous community.

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How much can I borrow?

Borrowing capacity based on 40% of net income (BdE Banking Client).

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ITP and purchase costs calculator

ITP or IVA/IGIC + AJD. Tax base: purchase price or Catastro reference value.

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Net proceeds from sale

Savings tax base IRPF (Law 7/2024) + plusvalía tax and specified mortgage.

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Rental yield calculator

Gross yield, net yield and cash flow (standard formulas).

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VPO disqualification Madrid

CAM estimator: specified subsidies + max. 5-month timeframe (online portal).

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