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Calculator voor een Spaanse hypotheek
Onderstaande calculator voor een Spaanse hypotheek geeft u een indicatie van uw maandelijkse hypotheeklasten in Spanje. We benadrukken dat het slechts een indicatie is. Uw werkelijke hypotheeklasten hangen af van veel verschillende factoren, zoals de Euribor rente en de bank die u kiest. Als u hier klikt, kunt u meer lezen over hypotheken in Spanje. We raden u aan een berekening te laten maken door een onafhankelijke hypotheekadviseur, zodat u exact weet waar u aan toe bent en wat precies voor úw situatie geldt. Uiteraard brengen we u graag met een hypotheekadviseur in contact.
Goed om te weten: de hypotheekrente is in Spanje gekoppeld aan de ‘Euribor’ rente. Euribor staat voor ‘Euro Interbank Offered Rate’ en is als het ware de rente die de bank betaalt om zelf aan geld te komen. U zult in advertenties dan ook vaak Euribor +0,5% of Euribor +0,99% zien. Dat betekent dat de bank de Euribor rente (de rente waarvoor de bank het geld inkoopt) verhoogt met een opslag van in dit geval 0,5% of 0,99%. Deze opslag is samen met een kostenvergoeding de winst voor de bank. U kunt de actuele 12-maands Euribor rente hier bekijken. Er zijn Euribor rentes met verschillende looptijden (van 1 week tot 12 maanden) en de opslag van de banken hangt vaak af van hoeveel producten (zoals verzekeringen) u bij hen afneemt. In de berekening hebben wij 4% rente als standaard genomen, omdat u ook rekening moet houden met kosten. U kunt het rentepercentage in de calculator uiteraard naar eigen inzicht wijzigen.
Goed om te weten: de kosten koper zijn in Spanje ongeveer 12%. Dit zijn onder andere notaris- en advocaatkosten, maar voor een groot gedeelte bestaat dit bedrag ook uit overdrachtsbelasting. Welke kosten u precies betaalt bij de aanschaf van een woning in Spanje, leest u hier. Voor de berekening van uw hypotheek kunt u de aanschafprijs verhogen met 12%. Als u de uitkomst vervolgens hieronder invult, krijgt u een indicatie van uw maandlasten.