🏠 Mortgage Calculator 2026 — Monthly Payment & Interest

ℹ️ Mortgage tips

• Standard advice: mortgage payment should not exceed 30-35% of net income
• In Spain you typically need a minimum 20% down payment (banks lend max 80%)
• Add ~10% for taxes and fees (notary, registration, mortgage tax)
• Current Euribor average: ~3.5% — check current rates before deciding
• Fixed rates offer certainty; variable rates may be lower initially