Financing percentage for non-residents: what to expect

What banks publish for non-residents

No rule fixes how much a bank lends a non-resident, and neither the Banco de España nor the INE publishes a statistic of it. What some banks do publish on their own websites (checked in September 2026) is this; within those limits, your position depends on your profile:

The 5 factors that determine your percentage

These are the elements the bank weighs when deciding how much to finance. They are ranked by real impact:

• •Initial contribution: this is the #1 factor. The more you contribute, the less risk for the bank and the easier the approval.
• •Debt-to-income ratio: the instalment should not exceed 30-35% of your net income. For non-residents, banks prefer lower ratios.
• •Country and income currency: euro income counts in full. In other currencies, the bank may count only part of it, according to its own policy.
• •Employment stability: permanent contract > temporary > self-employed, in the bank's risk perception.
• •Property and location: a liquid property (easy to sell) in an urban area is better received than a rural or unusual property.

How to maximise your financing

Although the range is narrower than for residents, there are ways to position yourself at the upper end:

Present an impeccable file from the start. Complete documentation, translated, with all pieces. An incomplete file generates distrust, not delays.

Compare between banks. Conditions vary significantly. Check which banks offer mortgages to non-residents and ask several for an offer.

Consider applying as a couple. Two holders with stable income substantially improve the profile.

If your savings allow it, offer a deposit of 40-45% instead of the minimum. This can open the door to better interest rates, not just more financing.