What documents are needed for a mortgage in Spain?

Check what documents you need to prepare to get a mortgage in Spain. A list of required certificates, NIE, BIK, down payment, and the differences between residents and non-residents.

Mortgage loan in Spain – what documents should you prepare?

If you're planning to buy a property on the Costa del Sol and want to apply for a mortgage in Spain, this guide will help you navigate the entire process without stress. Spanish banks have procedures very similar to those in Poland, but they require a few additional documents, especially for non-residents.

Documents required by a bank in Spain

To get a mortgage in Spain as a European Union citizen, you must provide:

• Passport or ID card

• Proof of earnings (for full-time employees – current, preferably the last 3 payslips)

• For entrepreneurs – PIT declarations for the last 2 years

• NIE Number - Spanish Foreigner Identification Number

• BIK report (current)

• Bank statements (from the last 6 months) – often required

• Loan/leasing agreements – if you have any

The bank may ask for additional documents depending on your financial situation and income stability.

Down payment amount – residents vs non-residents

In Spain, it is crucial that you have tax residency:

➡ Residents (REZ)

• loan up to 80% of the property value

➡ Non-residents (NIE-REZ)

• loan usually 60–70% of the value

• the decision depends on the bank, income and credit scoring

Document translations – an important rule

Financial documents prepared in Polish must be translated into Spanish by a sworn translator (traductor jurado) .
Without this, the bank will not start the analysis.

Summary

The process of obtaining a mortgage in Spain is simple if you prepare properly. A complete set of documents, certified translations, and a good real estate agent will ensure the entire process runs smoothly and stress-free.

To see the latest, up-to-date property offers on the Costa del Sol, check out our full database of available houses and apartments here: https://www.home4youcostadelsol.com/oferty