How much can a bank lend me?
Before house-hunting, the key question: with your income, what's the biggest mortgage you'd get? Enter your numbers to see your maximum affordable payment, the capital a bank would lend and the property price you can aim for.
with a maximum payment of 1,050 €/month (35% of your income minus other debts)
assuming the bank finances at most 80% of the price
the 20% down payment plus ~12% in taxes and purchase costs
Indicative estimate using the 35% debt-to-income rule recommended by the Bank of Spain. Each lender applies its own criteria (income stability, age, appraisal). Simulate the full operation in the mortgage calculator and review each bank's offers.
The 35% rule, explained
The general criterion in the sector — and the Bank of Spain's recommendation — is that all your loan payments together should not exceed 35% of the household's net monthly income. If your household nets €3,000 a month, your debts shouldn't exceed about €1,050; if you already pay €200 for a car, that leaves €850 of headroom for the mortgage payment.
From that maximum payment, the capital a bank will lend depends on the interest rate and the term: a longer term or a lower rate means more capital for the same payment. Remember that banks typically finance up to 80% of the lower of price and appraisal: the remaining 20% plus taxes and costs (an extra 10–12%) must come from your savings. See the breakdown in the purchase costs guide and your region's tax in the ITP calculator.
The 35% is a prudent rule, not a promise: each lender also weighs the stability of your income, your age versus the term, your credit history and the appraisal. Some banks stretch to 40% for very solvent profiles; others stop at 30% for variable incomes. Use the result as a compass and then compare each bank's actual offers.
Frequently asked questions about your maximum mortgage
How much can a bank lend me with my salary? ▼
As a general rule, all your debt payments together shouldn't exceed 35% of your net monthly income. With €2,000 net, a maximum payment of about €700/month, which over 30 years at a 3% rate equals roughly €166,000 of capital.
Do Spanish banks lend 100% of the property price? ▼
As a general rule they finance up to 80% of the lower of price and appraisal for a primary residence. Exceptions exist (very solvent profiles, bank-owned properties or public guarantees such as the ICO scheme for young buyers), but they are not the norm.
Does my partner's income count? ▼
Yes. If you both sign the mortgage, the bank adds up the household's net incomes and applies the debt limit to the total. It also adds both partners' debts.
What if I exceed 35% debt-to-income? ▼
The bank will likely decline the application or ask for extra guarantees (guarantors, additional collateral). Even if approved, going above 35% leaves little margin for surprises or Euribor rises if the mortgage is variable.