Mortgage Calculator Spain
Calculate Spanish mortgage payments with Euribor or IRPH + VAT/AJD taxes
Spanish Mortgage Details
Calculating…
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- ✅ < 12 KB gzipped
- ✅ Responsive & dark-mode ready
- ✅ SEO-friendly (semantic HTML + Schema)
- ✅ Accessibility: ARIA labels + keyboard nav
- ✅ No cookies, GDPR safe
Frequently Asked Questions – Mortgage Calculator Spain
What is AJD tax?
Actos Jurídicos Documentados is a Spanish stamp duty on mortgage deeds. Rates vary by region (0.5-1.5% of loan amount). Our calculator uses 1.2% as a national average.
Should I choose Euribor or IRPH?
Most new loans use Euribor + spread. IRPH is being phased out due to court rulings. Always compare both scenarios with your broker.
Can I embed this calculator on my Spanish real-estate site?
Yes. Copy the 1-line embed code provided above. It’s white-label, responsive and auto-detects user language.
Does the calculator include VAT on new builds?
No – VAT (10% on new properties) is paid upfront and not financed. Add it separately when budgeting total cash needed.