![\"\"](\"https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2024\/10\/21-1.jpg?resize=1024%2C768&ssl=1\")
<\/figure>\n\n\n\n\u00bfPueden los no residentes obtener una hipoteca en Espa\u00f1a?<\/p>\n\n\n\n
S\u00ed, los no residentes pueden solicitar una hipoteca en Espa\u00f1a. Muchos bancos espa\u00f1oles trabajan activamente con compradores internacionales y ofrecen opciones de financiaci\u00f3n dise\u00f1adas espec\u00edficamente para solicitantes extranjeros.<\/p>\n\n\n\n
Aunque la aprobaci\u00f3n nunca est\u00e1 garantizada, las entidades financieras suelen evaluar factores como tus ingresos, situaci\u00f3n laboral, historial crediticio, deudas existentes y estabilidad financiera general antes de tomar una decisi\u00f3n.<\/p>\n\n\n\n
\u00bfCu\u00e1nto puedes pedir prestado?<\/p>\n\n\n\n
La cantidad que puedes solicitar depende de si eres residente o no residente en Espa\u00f1a.<\/p>\n\n\n\n
Para los no residentes, los bancos suelen financiar entre el 60 % y el 70 % del valor de la propiedad. Esto significa que los compradores deben estar preparados para aportar el importe restante como entrada, adem\u00e1s de asumir los gastos adicionales asociados a la compra.<\/p>\n\n\n\n
Los residentes en Espa\u00f1a pueden optar a una financiaci\u00f3n de hasta el 80 % del valor de la propiedad, dependiendo de sus circunstancias personales y de los criterios de la entidad financiera.<\/p>\n\n\n\n
![\"\"](\"https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2024\/12\/2024DC88T-0009.jpg?resize=1024%2C683&ssl=1\")
<\/figure>\n\n\n\nDocumentos que necesitar\u00e1s<\/p>\n\n\n\n
Aunque los requisitos var\u00edan entre bancos, normalmente a los compradores extranjeros se les solicita proporcionar:<\/p>\n\n\n\n
- \n
- Un pasaporte v\u00e1lido<\/li>\n\n\n\n
- Un NIE (N\u00famero de Identificaci\u00f3n de Extranjero)<\/li>\n\n\n\n
- Justificante de ingresos<\/li>\n\n\n\n
- Extractos bancarios recientes<\/li>\n\n\n\n
- Declaraciones de impuestos<\/li>\n\n\n\n
- Detalles de cualquier pr\u00e9stamo existente o compromiso financiero vigente<\/li>\n<\/ul>\n\n\n\n
Tener estos documentos preparados con antelaci\u00f3n puede ayudar a que el proceso de solicitud de la hipoteca sea m\u00e1s fluido y eficiente.<\/p>\n\n\n\n
<\/div>\n\n\n\nTipos de hipotecas disponibles<\/p>\n\n\n\n
Los bancos espa\u00f1oles suelen ofrecer tres tipos principales de hipotecas:<\/p>\n\n\n\n
Hipotecas a tipo fijo<\/p>\n\n\n\n
Tu tipo de inter\u00e9s se mantiene igual durante todo el plazo del pr\u00e9stamo, lo que proporciona pagos mensuales predecibles.<\/p>\n\n\n\n
Hipotecas a tipo variable<\/p>\n\n\n\n
El tipo de inter\u00e9s puede cambiar con el tiempo en funci\u00f3n de las condiciones del mercado y de los \u00edndices de referencia.<\/p>\n\n\n\n
Hipotecas mixtas<\/p>\n\n\n\n
Estas combinan un tipo fijo durante los primeros a\u00f1os con un tipo variable durante el resto del pr\u00e9stamo.<\/p>\n\n\n\n
La opci\u00f3n adecuada depender\u00e1 de tus objetivos financieros y tus preferencias personales.<\/p>\n\n\n\n
<\/div>\n\n\n\n![\"\"](\"https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/06\/07.jpg?resize=1024%2C683&ssl=1\")
<\/figure>\n\n\n\n<\/div>\n\n\n\nCostes adicionales a tener en cuenta<\/p>\n\n\n\n
Al comprar una propiedad en Espa\u00f1a, es importante presupuestar algo m\u00e1s que el precio de compra.<\/p>\n\n\n\n
Los costes adicionales pueden incluir:<\/p>\n\n\n\n
- \n
- Impuestos sobre la propiedad<\/li>\n\n\n\n
- Los gastos de notar\u00eda.<\/li>\n\n\n\n
- Honorarios del Registro de la Propiedad<\/li>\n\n\n\n
- Honorarios legales<\/li>\n\n\n\n
- Gastos relacionados con la hipoteca<\/li>\n<\/ul>\n\n\n\n
En la mayor\u00eda de los casos, los compradores deben reservar aproximadamente entre el 10 % y el 15 % del precio de compra de la propiedad para cubrir estos costes.<\/p>\n\n\n\n
<\/div>\n\n\n\nConclusiones Finales<\/p>\n\n\n\n
Obtener una hipoteca en Espa\u00f1a como comprador extranjero es totalmente posible, y muchos inversores internacionales consiguen financiaci\u00f3n con \u00e9xito cada a\u00f1o. Al comprender los requisitos, preparar la documentaci\u00f3n necesaria y planificar los costes adicionales, el proceso puede ser sencillo y sin complicaciones.<\/p>\n\n\n\n
En Montenegro Brokers, ayudamos a compradores internacionales en cada etapa de su proceso inmobiliario en Madrid. Desde encontrar la propiedad adecuada hasta ponerte en contacto con profesionales financieros y legales de confianza, nuestro equipo est\u00e1 aqu\u00ed para ayudarte a que tu inversi\u00f3n sea un \u00e9xito.<\/p>\n\n\n\n
<\/div>\n\n\n\n<\/p>","protected":false},"excerpt":{"rendered":"
Spain remains one of the most attractive destinations for international property buyers, whether for investment, relocation, or a second home. One of the most common questions foreign buyers ask is whether they can obtain a mortgage in Spain. The answer is yes. Spanish banks regularly offer mortgage products to foreign nationals, including non-residents. However, the […]<\/p>\n","protected":false},"author":256509941,"featured_media":1470,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_wpcom_ai_launchpad_first_post":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[1771],"tags":[],"class_list":["post-1780","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"jetpack_publicize_connections":[],"jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pg56VV-sI","jetpack-related-posts":[{"id":1834,"url":"https:\/\/montenegrobrokers.com\/es\/2026\/06\/18\/common-mistakes-foreign-buyers-make-in-spain\/","url_meta":{"origin":1780,"position":0},"title":"Common Mistakes Foreign Buyers Make in Spain","author":"contact6729e80634","date":"18 de junio de 2026","format":false,"excerpt":"Spain remains one of Europe's most attractive destinations for international property buyers. However, purchasing real estate in a foreign market often involves challenges that many investors underestimate. Over the years, we've seen foreign buyers make the same mistakes repeatedly. While most of them can be avoided with the right guidance,\u2026","rel":"","context":"En \u00abSin categor\u00eda\u00bb","block_context":{"text":"Sin categor\u00eda","link":"https:\/\/montenegrobrokers.com\/es\/category\/sin-categoria\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/06\/JPGFOTO.jpg?fit=1150%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/06\/JPGFOTO.jpg?fit=1150%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/06\/JPGFOTO.jpg?fit=1150%2C1200&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/06\/JPGFOTO.jpg?fit=1150%2C1200&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/06\/JPGFOTO.jpg?fit=1150%2C1200&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":1747,"url":"https:\/\/montenegrobrokers.com\/es\/2026\/05\/26\/the-real-cost-of-buying-property-in-spain\/","url_meta":{"origin":1780,"position":1},"title":"The Real Cost of Buying Property in Spain","author":"contact6729e80634","date":"26 de mayo de 2026","format":false,"excerpt":"Buying property in Spain is an exciting opportunity, whether you are searching for a holiday home, a permanent residence, or a long-term investment. With its exceptional lifestyle, strong real estate market, and international appeal, Spain continues to attract buyers from around the world. 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Whether you're purchasing a home to live in, a second residence, or an investment property, understanding the full cost of the transaction is essential. One of the biggest mistakes buyers make is focusing only on\u2026","rel":"","context":"En \u00abSin categor\u00eda\u00bb","block_context":{"text":"Sin categor\u00eda","link":"https:\/\/montenegrobrokers.com\/es\/category\/sin-categoria\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/07\/01.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/07\/01.jpg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/07\/01.jpg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/07\/01.jpg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/montenegrobrokers.com\/wp-content\/uploads\/2026\/07\/01.jpg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":421,"url":"https:\/\/montenegrobrokers.com\/es\/2024\/10\/24\/what-madrid-real-estate-hides\/","url_meta":{"origin":1780,"position":5},"title":"Madrid Property Market 2025: Why Spain\u2019s Capital Is Europe\u2019s Hottest Real Estate Investment","author":"blancapalazueloguijarro","date":"24 de octubre de 2024","format":false,"excerpt":"Madrid has risen to become Europe\u2019s second-best city for property investment in 2025, according to PwC and the Urban Land Institute. 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