Last Updated on March 18, 2026 by Bruno Bianchi
Question
Hello, anyone that recently purchased a house in Spain with a loan can tell me how much % would the bank was willing to give them? And what bank?
Answers
These are the answers of some Facebook group members:
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Start the Moving to Spain Hub →“I saw in other posts Sabadell makes loans around 60% of purchase to Americans. My experience here in Canary Islands was nobody would make a mortgage. We bought entirely in cash.”
“Ours was what I mentioned. I am a citizen of only the USA. Sometimes they ask for 30 percent down but if your finances are in order (do not have to be rich by any means) you can get 20 percent down. No more than 30.”
“Sabadell Bank. 20 percent down. 3.5 interest rate. That was about 3 years ago”
“We’ve been starting the process and seems that 20% is the typical down payment even with Spanish citizenship”
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Explore Cities →“2 years ago. Sabadell would go up to 60% of price at 1,8% on a 10 year fixed”
“Spainguru recommends MortgageDirect, the are experts in mortgages for expats in Spain and Portugal”
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