Mortgage Simulator

Find your home and sign the reservation agreement

Find your dream home on Fotocasa and sign a reservation contract

Sign the deposit contract

In this step, important property information will be provided, such as the property registry extract and all information related to the property.

Calculate your mortgage with Fotocasa and find the best one

Based on your savings and the property's value, calculate the monthly mortgage payment and the offer that best suits your needs.

Get the property valued

The bank will ask you to obtain an official valuation to determine the property's price.

Obtain a binding offer

If the valuation and financial analysis are positive, the bank issues the European Standardised Information Sheet (ESIS) and the Standardised Warnings Sheet (FiAE), documents that detail the loan conditions.

Review the documentation

Submit the documents requested by the bank, review the contracts they provide, and resolve any doubts before signing.

Attend the Transparency Deed

Go to the notary (without the seller or the bank) to sign the Transparency Deed, where the notary verifies that the documentation has been received on time and that the buyer has understood the mortgage conditions.

Review the documentation

Submit the documents requested by the bank, review the contracts they provide, and resolve any doubts before signing.

Signing the mortgage and purchasing the property

You choose the notary and the date, and at the same appointment, you will sign the mortgage and the purchase agreement.

Final procedures after signing

The notary's office or an administrative agency is responsible for settling the corresponding taxes and registering the purchase and sale deeds and mortgage deeds with the Land Registry so that the buyer appears as the new owner and the mortgage is registered.