Tools
Mortgage simulator. Repayments and taxes, at standard rates.
Enter the purchase price, savings, term and interest rate. We calculate property purchase taxes at standard regional rates (ITP or IVA/IGIC + AJD). Notary and land registry fees are only added if specified: we do not estimate official tariffs.
Calculator
Calculate your monthly payment in minutes
Estimate based on standard property purchase tax rates (2026). Notary, land registry, and administrative fees are only included if specified. This is not a binding offer and does not replace a tailored study by an ICI broker.
Lenders typically require ~10% of the property price plus taxes. Notary/registry fees are only included if entered below.
Interest rate type
Indicative fixed rate. Adjust it to match the offer you wish to compare.
Property status
We do not estimate statutory fees: notary and land registry fees follow official fee schedules; management fees are unregulated.
Result
Your estimated monthly payment
533 €
- Mortgage amount
- 144.120 €
- Financing % of price
- 71%
- Standard rate only: does not apply reduced rates (youth, large family, VPO, rural, etc.).
Informational simulation. Taxes calculated at 2026 standard rates (ITP/IVA/IGIC/AJD). Notary, registry and management fees are included only if entered. You select the interest rate. Sky Real Estate does not grant loans: mortgage intermediation is provided by the group's ICI (code D-286).
Frequently asked questions
How is the monthly repayment calculated?
Which taxes are included?
Does it include notary, registry and management fees?
Is this a mortgage pre-approval?
Would you like a real figure, not just a simulation?
The group's real estate credit intermediary (D-286) compares lenders and provides a financing plan tailored to your transaction.