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Mortgage for a citizen of Russia

asks:
Good afternoon. Interested in the possibility of obtaining a mortgage for the purchase of real estate in Spain. Is it possible?

Expert answers (7)

Good day! yes, it is possible with the provision of a package of documents, approximately you can count on 50%.
10.12.2020
For now, banks provide mortgages to Russian citizens, but not all banks. You will receive 70% of the property's value, do not forget that you need to have your own 30% and the amount to pay taxes - and this is 11.5% of the property's value, that is, 41.5%. To obtain a mortgage, banks ask for your 2NDFL certificate, if you are an employee, account statements in other countries. etc., all documents are translated into Spanish by a sworn translator, you can submit documents in English. The bank's interest will be up to 2.5% per annum.
10.12.2020
Good afternoon, Vardan! Yes, in Spanish banks it is possible to obtain a mortgage for non-residents. It is possible to receive up to 70%, depending on the value of the purchased property. To do this, you will need to collect the appropriate package of documents, translate them into Spanish with certification and apostille. The term for considering and obtaining a mortgage is about 20-30 days from the date of submission of all documents to the bank. The mortgage can be obtained for up to 35 years (depending on age), as well as with the possibility of early partial and full repayment.
9.12.2020
Good afternoon, Vardan.

Thank you for your question. Yes it is possible.

Best regards, Evgeny
9.12.2020
Good afternoon. For citizens of the Russian Federation, it is possible to obtain a mortgage in a Spanish bank.
9.12.2020
Good afternoon, Vardan! Yes, it is possible. Buying real estate in Spain can be done with a loan - 60-70% of the cost at the following interest rates - from 2.7% to 3.5% per annum.
9.12.2020
Good afternoon, Vardan, yes in Spain you can get a mortgage, if you have sufficient official and confirmed income in another country.
9.12.2020
Consultation
SPAIN. The rights of foreign buyers
Hello, I am a citizen of Uzbekistan. can I buy real estate (with a mortgage with a down payment of 50%, and for cash) in Spain? How will it be with obtaining a residence permit in Spain? I am grateful in advance.
SPAIN. The purchase procedure
Good afternoon. I am selling an apartment in Russia (the term of ownership is less than 5 years), the purchase and sale agreement does not include an incomplete price. I need to transfer these funds to my son's account in a Spanish bank, who lives there for social reasons (actually illegally) to buy real estate in Spain. Can a Spanish bank block funds due to the fact that the value in the contract is less than what I will transfer to a Spanish account, request a transfer agreement, proof of kinship. What are the consequences? How can I confirm the amount not specified in the contract?
SPAIN. Investments, leasing, sale
Good afternoon. I had such a contract concluded for a year, but the buyer did not purchase the house within the specified period and remains to live in it. It was written in the contract that the term is 1 year. Can this contract automatically become just a lease agreement and a potential buyer can live there for another four years?
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