Rates as of
Mortgage calculator
Monthly payment and total interest for a Spanish mortgage, fixed or variable, with the current average rate in Spain filled in to start.
ApproximatePre-filled with the average starting rate of new fixed-rate home mortgages in Spain: 3.03% (July 2026, INE). Your bank's offer may be higher or lower; type its yearly rate (TIN, not the TAE) to replace it.
Monthly payment
€951.55
300 monthly payments
| Item | Amount |
|---|---|
| Loan | €200,000.00 |
| Interest rateAverage for new mortgages, July 2026 (INE). Approximate. | 3.03% |
| Total interest | €85,463.89 |
| Total repaid | €285,463.89 |
Assumes a fixed rate and equal monthly payments, without bank fees, insurance or other linked products.
Estimate, not tax or legal advice.
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Sources and rates used (3)
Rates and sources
| Rate | Value | In force since | Source | Status |
|---|---|---|---|---|
| Average starting rate of new fixed-rate mortgages (INE) | 3.03% | Official source | Confirmed | |
| Average starting rate of new variable-rate mortgages (INE) | 2.97% | Official source | Confirmed | |
| 12-month Euríbor (monthly average) | 3.247% | Official source | Confirmed |
Estimate, not tax or legal advice. These figures are an estimate based on the published rates listed on this page. Your own situation may differ. Always confirm with an independent lawyer or tax adviser before you commit.