Mortgage in Spain for non-residents: what can you borrow?
Seeki.eu on Spanish mortgages for non-residents: banks lend about 60% to 70% of value. Rates, documents, who pays what, worked on a median Alicante flat.
Seeki.eu on Spanish mortgages for non-residents: banks lend about 60% to 70% of value. Rates, documents, who pays what, worked on a median Alicante flat.
On a €400,000 resale home you pay about €18,000 in purchase costs in Munich and about €40,700 in Barcelona. Taxes, notary and registry fees, city by city.
Polish banks lend foreigners up to 80% of a home's value, or 90% with extra security. See a 55 m² Warsaw flat worked through at the 6.00% average rate.
Not tax-resident in Portugal? A €300,000 flat now costs you €22,500 in transfer tax, against €11,605 for a resident buying the same second home.
Belgian registration duty is 12% or 12.5%, or 2% to 3% on your only home. On a €350,000 house that's €7,000 or up to €43,750, by region and use.
The document gap between dossier countries (France, Germany, Benelux) and passport countries (Spain, Italy, CEE) splits Europe in two. What you need to buy and to rent, country by country.
Germans buy in Czechia with no permit and no transfer tax. Border-region flats ask a third of Munich's, but the loan comes in koruna.
Germans buy in Austria on equal terms, but leisure-home rules in Tirol, Salzburg and Vorarlberg bite hard. Costs, financing and tax set against Germany.
Any nationality can buy a Slovak home: no permit, no residence test, no transfer tax. What the farmland rule covers and what registration actually costs.
The taxes and fees on buying a resale flat in Poland add about 2% to 3% on top of the price, led by the 2% PCC transfer tax. First-time buyers pay far less.
Ranked on permits, all-in costs, timelines and remote completion. Czechia leads for most foreign buyers, and four markets still gate a non-EU passport.
Real asking-price data for 20 European cities: how much apartment €200,000 buys, where it clears the median, and each city's Seeki.eu location score.
What buying a home really costs across 12 European countries: median prices from live listings, plus the transfer taxes and fees that add 1% to 16% on top.
Hungarians buy in Austria on the same footing as locals, but land-transfer rules are provincial. Permits, second-home limits and the 9% to 12% cost stack.
What a Dutch buyer needs for a Spanish purchase: the NIE, ITP by region, non-resident mortgages, buying by power of attorney, and letting it out legally.
German and Austrian buyers pay 9% registration tax on the cadastral value in Italy, plus notary and agent fees. What the purchase really costs.