Hipoteca España Simulador 2026

Mortgage, loan and home purchase expense simulator in Spain 2026

Mortgage Spain Simulator 2026 is the most comprehensive tool for calculating and planning your mortgage in Spain. It performs detailed simulations of monthly payments, compares fixed and variable rate options, and calculates all the expenses associated with buying a home, all updated with 2026 Spanish real estate market data.

The application includes 20 calculation and consultation modules:

Mortgage Simulator: Calculate your monthly payment with a complete amortization schedule using the French system. Enter the amount, term, and interest rate, and you will obtain a detailed month-by-month breakdown.

Personal Loan Simulator: Calculate personal loans with the real APR using the Newton-Raphson method for maximum accuracy.

Purchase Expenses Calculator: Calculate Property Transfer Tax (ITP), VAT, Stamp Duty (AJD), notary fees, registration fees, and administrative fees according to your autonomous community. It includes the updated tax rates for the 17 autonomous communities, Ceuta, and Melilla.

Fixed vs. Variable Rate Comparison Tool: Compare fixed-rate and variable-rate mortgage scenarios with visual charts to help you make the best decision.

How Much Can I Afford?: Calculate the maximum mortgage you can request based on your monthly income and fixed expenses, applying the 35% debt-to-income ratio rule.

Early Repayment: Find out if it's more advantageous to reduce your monthly payment or shorten the loan term by making an early repayment, with a calculation of the interest savings.

Historical Euribor: View the evolution of the Euribor over the last 24 months with interactive charts to understand the trend of the benchmark index.

Mortgage Glossary: ​​All the terms you need to know before signing your mortgage, explained clearly and simply.

Document Checklist: A complete list of documents required to apply for your mortgage, with a tracker for those you already have ready.

Personal Income Tax Deduction Calculator: Calculate the deduction for investment in a primary residence applicable to mortgages taken out before 2013.

Rent vs. Buy: Long-term financial comparison to help you decide whether renting or buying a home is more advantageous.

Municipal Capital Gains Tax: Calculate the municipal capital gains tax you will have to pay on the purchase.

Grants and Subsidies: Check the available grants for home purchases by autonomous community, including programs for young people and families.

Notary Fees Calculator: Breakdown of notary and registry fees according to the price of your transaction.

Second Home Simulator: Calculate the tax and financial differences between a primary and secondary residence.

Bank Comparison Tool: View and compare mortgage offers from the main banks in Spain with updated interest rates.

Home Insurance Calculator: Estimate the annual cost of your home insurance based on the characteristics of your property.

Step-by-Step Buying Process: A complete guide with all the stages of the home buying process in Spain.

Mortgage Readiness Test: A 10-question test to assess your financial readiness to apply for a mortgage.

Real Estate Market News: The latest news and developments in the Spanish real estate sector.

Main Features:
- All calculations are performed offline, without the need for an internet connection.
- Updated data for the Spanish market through 2026.
- Tax rates by autonomous community.
- Dark mode for greater visual comfort.
- Automatically saves your last simulation.
- Intuitive and easy-to-use interface.

Note: This application provides indicative calculations. For financial decisions, always consult a qualified professional. The data provided does not constitute financial advice.