NAKED HIPOTECAS

How much mortgage on €100,000?

Estimate of what you could borrow on a €100,000 gross annual salary.

Max loan

€487,610

35% DTI, 25 years, ~75% net

Monthly payment

€2,091

At 2.10% fixed, 25 years

Market rate

2.10%

Current fixed rate median

Best rates by bank

Median fixed rates for a €487,610 loan

Bank	Median rate	Est. payment	Offers
CajaSur	1.85%	€2,031/m	4
Banco Santander	1.90%	€2,043/m	68
Kutxabank	1.90%	€2,043/m	32
Cajamar	1.95%	€2,055/m	17
Caja Rural	2.00%	€2,067/m	19
CaixaBank	2.10%	€2,091/m	194
BBVA	2.15%	€2,103/m	183
Unicaja	2.15%	€2,103/m	29
Ibercaja	2.15%	€2,103/m	9
Openbank	2.22%	€2,119/m	30

Other salaries

€70,000 €80,000 €120,000

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