NAKED HIPOTECAS

How much mortgage on €40,000?

Estimate of what you could borrow on a €40,000 gross annual salary.

Max loan

€195,044

35% DTI, 25 years, ~75% net

Monthly payment

€836

At 2.10% fixed, 25 years

Market rate

2.10%

Current fixed rate median

Best rates by bank

Median fixed rates for a €195,044 loan

Bank	Median rate	Est. payment	Offers
CajaSur	1.85%	€813/m	4
Banco Santander	1.90%	€817/m	68
Kutxabank	1.90%	€817/m	32
Cajamar	1.95%	€822/m	17
Caja Rural	2.00%	€827/m	19
CaixaBank	2.10%	€836/m	194
BBVA	2.15%	€841/m	183
Unicaja	2.15%	€841/m	29
Ibercaja	2.15%	€841/m	9
Openbank	2.22%	€848/m	30

Other salaries

€20,000 €25,000 €30,000 €35,000 €45,000 €50,000 €60,000 €70,000

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