In this guide
11
In short
Checked on 29.10.2026 against the banks’ official pages and Banco de España. The table shows only what each bank publishes itself; where a term is not published, we say so. The benchmark for variable rates is the 12-month Euríbor: 3.247% in September 2026 (Banco de España, 01.10.2026).
Rates and terms change often and depend on income, age, amount and linked products. Compare the TAE (APR), not just the TIN, and remember only the bank decides on approval.
Comparison table: residents, non-residents, self-employed
Data from the banks’ official pages as of 29.10.2026. Rates are the banks’ representative examples (€150,000, fixed rate), not an offer for you: TIN with maximum discount / without discount, TAE (APR) in brackets.
- Other banks in the guarantee table below (Sabadell, Unicaja, ING, Kutxabank, Abanca and others): we did not find, or could not verify, non-resident or self-employed terms on their product pages — ask the bank directly.
- The self-employed are assessed under the same affordability rules as employees (Law 5/2019): what matters is how you document your income.
| Bank | Residents | Non-residents | Self-employed |
|---|---|---|---|
| CaixaBank | Hipoteca CasaFácil, 30 years: 2.85% / 3.85% (TAE 4.259% / 4.317%). Loan-to-value: not published | HolaBank: up to 70% of value, up to 20 years (income in euros, sterling, dollars); 20 years: 2.80% / 3.80% (TAE 4.374% / 4.398%) | no separate terms published |
| BBVA | Up to 80% for a main home and 70% for a second home; up to 30 years if the youngest borrower is no older than 75 at the end. Rates: in the simulator | Hipoteca Fija is for residents of Spain with income and assets in euros; no non-resident product published | no separate terms published |
| Banco Santander | Hipoteca Joven (under 36): up to 95% of the lower of valuation and price, 30 years. General rates on the mortgages page: not published | Has a dedicated non-resident mortgage and a simulator in several languages; loan-to-value and rate not published | no separate terms published |
| Bankinter | In its help article: up to 80% for Spanish buyers | Same article: a 70% guide for foreigners, debt load up to 35% of income; stricter for non-residents. Rate: not published | no separate terms published |
IVF and ICO guarantees by bank
Checked on 19 October 2026 against the IVF (prestamos.ivf.es) and ICO (ico.es) lists. “Not listed” means the bank was not on the official list on the check date.
| Bank | IVF guarantee | ICO guarantee |
|---|---|---|
| CaixaBank | yes | yes |
| Banco Sabadell | yes | yes |
| Banco Santander | yes | yes |
| BBVA | not listed | yes |
| Bankinter | not listed | yes |
| Unicaja | yes | yes |
| Deutsche Bank | not listed | not listed |
| ING | not listed | yes |
| Kutxabank | yes | yes |
| Abanca | yes | yes |
| Caixa Popular | yes | yes |
| Cajamar | yes | yes |
| Caja Rural Central | yes | yes |
| Ruralnostra | yes | yes |
| Eurocaja Rural | yes | not listed |
How to compare offers
- Ask two or three banks for indicative figures on the same terms: same amount, term and rate type.
- Compare the TAE — the full cost including fees and required products — not just the TIN rate.
- Weigh the cost of insurance and accounts over the term against the bonificación savings.
- For the IVF or ICO guarantee, choose a bank from that programme’s official list.
Mortgage calculator
Enter the price, rate and term to see the monthly payment on an annuity basis. This is an estimate, not an approval: the bank’s FEIN gives the exact figure.
- Mortgage amount
- 160 000 €
- Monthly payment
- 759 €
- Deposit excluding taxes and costs
- 40 000 €
An indicative calculation. The rate is an example only; the bank sets the actual rate and amount. Work out taxes and costs separately.
Annuity formula: M = P·r·(1+r)ⁿ / ((1+r)ⁿ − 1), where P is the loan, r the monthly rate and n the number of months.
IVF mortgage document checklist
How much of your own money do you really need?
Want to know how much of your own money you actually need? Tairix Invest will work out your case: price, taxes, costs and the mortgage share. We do not promise approval or specific rates — those are set by the bank.
We can guide you through getting a mortgage
Tairix Invest helps you prepare for a mortgage and supports the purchase:
- working out how much of your own money you really need
- finding a property that fits the programme rules
- preparing and checking documents
- help with the IVF guarantee application
- support with the purchase up to the notary
Terms for support and help with documents are agreed individually.
We are not a credit intermediary and do not promise approval: the bank decides on the mortgage.
Frequently asked questions
Why is there no single rate for everyone?
Banks publish dated representative examples, not your offer. The final rate depends on income, age, amount, term and linked products. Compare the FEINs from different banks.
Which banks offer the IVF guarantee?
As of 19 October 2026: CaixaBank, Sabadell, Santander, Unicaja, Kutxabank, Abanca, Caixa Popular, Cajamar, Caja Rural Central, Ruralnostra, Eurocaja Rural and other cooperative banks. BBVA, Bankinter, ING and Deutsche Bank are not listed.
Which banks work with the ICO guarantee?
The ICO list has dozens of banks, including CaixaBank, Santander, BBVA, Sabadell, Bankinter, ING, Unicaja, Kutxabank and Abanca. Deutsche Bank is not listed.
Do I have to open an account with the lending bank?
Usually yes — for repayments. By law other products can only be offered if you can also take them separately; insurance can be taken elsewhere.
What is the Euríbor now?
The 12-month Euríbor was 3.247% in September 2026 (Banco de España, 01.10.2026). Banco de España publishes it monthly.
Which bank lends the most to a non-resident?
Of the banks that publish a figure, CaixaBank: up to 70% (HolaBank). Bankinter gives 70% as a general guide. The others do not publish a percentage.
Important
This information is for general guidance and is not financial advice. The final mortgage decision is made by the bank.
Free guides. Professional support.
These materials are free to read. Contact Irina and Tairix Invest for property searches and purchase or rental support. Service scope and fees are agreed before work starts.
Irina · Iryna Drahaliova is an API Alicante (APIAL) member, no. A599. Registered in the Comunitat Valenciana real estate agent register: RAICV 5885.
Office: Calle Patricio Pérez, 131, Torrevieja. Visits by appointment.