Financing
Foreign Exchange Rate Provider
Mortgage Calculator
Mortgage Application

FINANCING

The buy of a house in Spain can be financed through a Spanish bank or savings bank. Most of the mortgages in Spain use the variable intrest rate. We work closely with most of the banks, savings banks and specialized mortgage brokers. All this allows us to provide the cllient with the maximum possible service in order to get his mortgage.

The international situation has made it more difficult to get mortgages:
- Banks apply a higher differential to the Euribor (most used reference at the moment)
- Very few banks give 80% LTV, some 70% but most 60% LTV
- Valutions done by the independent companies just before approving the mortgage are very conservative.

If you want a calculation or extra information, please send us an email to info@casainternational.eu
or go to our CONTACT  page.

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FOREIGN EXCHANGE RATE PROVIDER

There are some very good companies who offer much better exchange rates than the high street banks. One of these companies is Currencies Direct, they manage foreign exchange risks for clients worldwide.

CURRENCY CONVERTER

For further information, please send an email to info@casainternational.eu.

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MORTGAGE CALCULATOR
Total value of the property according to valuation of the bank
 €
Maximum % of valuation financed by the bank 60%
Interest
Period months
Mortgage amount (% of valuation financed by the bank)
 €
Monthly payment mortgage
 €

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MORTGAGE APPLICATION
First Name

Surname

Birthdate
Address

Town/City

Postal Code
Country

Phone No. (Resi)

Phone No. (Office)
E-mail 

Passport Number

Passport Expiry Date
Nationality
Marital Status

Nș of dependents (excl. spouse / partner) 
 
EMPLOYMENT DETAILS 
SELF EMPLOYED
Activity 
(of company / sole trading)

Name & Address
  (of company / sole trading) 
Last year's taxable profit

Applicant's shareholding
Position (if company)

Year trading commenced
EMPLOYEE
Name & Address of Employer 

Activity (of company)
Position (if company)

Gross Annual Salary
Kind of Contract (full-part time) (if fixed-term or permanent) (other details) & Years in Co. 
NET ANNUAL INCOME AND EXPENDITURE 
Annual net income (after tax & nat. Ins.) as shown on your last P60 (if employed). Then please separate this figure into the approx. % for guaranteed / fixed income, and variable or non-guaranteed payments (e.g. overtime & bonuses) 
Annual net income

Guaranteed:
Variable:

Currency
If you have a tax assessment, e.g. if you have several income sources, or are self-employed, please enter the following details: 
Annual net income (after tax & nat. Ins.) as shown on your last P60 (if employed). Then please separate this figure into the approx. % for guaranteed / fixed income, and variable or non-guaranteed payments (e.g. overtime & bonuses) 
Taxable income for employment / 
self employment:

Taxable net income from
property
Taxable income from financial assets
Other taxable income

Taxable net income from
property
Taxable income from financial assets

Total taxable income 
Tax & NI payable

Total net income
Annual payments -
main mortgage

Annual payments - rented property 
Annual pay'ts on other loans (inc. mortgage on 2nd property)

Annual pay'ts for council tax & utilities
Other committed expenses (e.g. court orders) 

Any other income / expenditure (please specify)
ASSETS AND LIABILITIES
Is your present home:
owned outright
owned with a mortgage
provided by employer
other - please specify
Value of main home:

Value of other properties:
Total of financial assets (bank accs., deposits, savings, invest...): Value of other assets cars, jewellery & valuables:
Mortgage balance o/s on main home:

Total amount o/s on other properties:
Balance o/s on all other loans:

Unpaid balance on all credit cards (at end of last month):
Value / description of any other assets or liabilities (over ?1,000):    


For further information, please send an email to info@casainternational.eu.

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