{"id":81098,"date":"2026-09-23T02:28:28","date_gmt":"2026-09-23T00:28:28","guid":{"rendered":"https:\/\/home-see.com\/?p=81098"},"modified":"2026-09-23T02:28:28","modified_gmt":"2026-09-23T00:28:28","slug":"deposit-buy-property-spain","status":"publish","type":"post","link":"https:\/\/home-see.com\/fr\/deposit-buy-property-spain\/","title":{"rendered":"How Much Deposit Do You Need to Buy Property in Spain?"},"content":{"rendered":"<style id=\"hsj-spain-depositstyle-2026\">body:has(#hsj-spain-deposit){background:#fff!important}body:has(#hsj-spain-deposit) .content-post-sigle-title,body:has(#hsj-spain-deposit) .content-post-single,body:has(#hsj-spain-deposit) .featured-post,body:has(#hsj-spain-deposit) #secondary,body:has(#hsj-spain-deposit) .sharedaddy,body:has(#hsj-spain-deposit) .jp-relatedposts,body:has(#hsj-spain-deposit) #comments,body:has(#hsj-spain-deposit) .comments-area,body:has(#hsj-spain-deposit) .post-navigation{display:none!important}body:has(#hsj-spain-deposit) 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span{display:block;height:100%;background:#c6a77b;min-width:4px}#hsj-spain-deposit .hs-chart-note{border-top:1px solid #52606e;padding-top:18px;font-size:12px!important}#hsj-spain-deposit .copy a{text-decoration:underline;text-underline-offset:3px}#hsj-spain-deposit .table-scroll tbody th{font-size:13px;color:var(--navy);text-transform:none;letter-spacing:0;font-weight:600}#hsj-spain-deposit .hero-image img{object-position:center 45%!important}#hsj-spain-deposit .sources{font-size:12px;color:#66717a}@media(max-width:700px){#hsj-spain-deposit .hs-infographic{padding:42px 0}#hsj-spain-deposit .hs-infographic h2{font-size:30px}#hsj-spain-deposit .hs-bar-label{font-size:12px;flex-wrap:wrap;gap:3px 16px}}<\/style>\n<article id=\"hsj-spain-deposit\">\n<header class=\"hero\">\n<div class=\"wrap\">\n<div class=\"kicker\">HOMESEE JOURNAL \/ BUYING IN SPAIN \/ THE BUDGET<\/div>\n<h1>How Much Deposit Do You Need to Buy Property in Spain?<\/h1>\n<p class=\"dek\">The reservation payment is only one part of the picture. A clear buying budget separates your own contribution, acquisition costs and the cash you need at each stage.<\/p>\n<div class=\"meta\"><span>Espagne \u00b7 2026<\/span><span>Practical buying guide<\/span><span>HomeSee editorial<\/span><\/div>\n<\/div>\n<\/header>\n<section class=\"hero-image\">\n<div class=\"wrap\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" src=\"https:\/\/i0.wp.com\/home-see.com\/wp-content\/uploads\/2026\/09\/img_4873.jpg?resize=1200%2C900&#038;ssl=1\" alt=\"Marbella marina with the Sierra Blanca mountains behind\" width=\"1200\" height=\"900\" decoding=\"async\"><\/div>\n<div class=\"wrap\">\n<div class=\"caption\">HomeSee \/ Marbella \u00b7 Location photograph; not a property offered at the example price.<\/div>\n<\/div>\n<\/section>\n<section class=\"summary\">\n<div class=\"narrow summary-grid\">\n<div>\n<div class=\"kicker\">R\u00c9PONSE RAPIDE<\/div>\n<h2>Budget for the whole purchase.<\/h2>\n<\/div>\n<p>Your required cash is the purchase price minus the mortgage actually approved, plus acquisition costs and your chosen reserve. An 80% loan on a \u20ac300,000 purchase leaves \u20ac60,000 of the price to fund yourself; a 70% loan leaves \u20ac90,000. Taxes and other costs come on top. These are examples, not guaranteed lending terms.<\/p>\n<\/div>\n<\/section>\n<section class=\"block\">\n<div class=\"wrap block-grid\">\n<div>\n<div class=\"kicker\">01 \/ THREE MEANINGS<\/div>\n<h2>What does \u201cdeposit\u201d mean in Spain?<\/h2>\n<\/div>\n<div class=\"copy\">\n<p>Buyers often use one word for three different amounts: money paid to reserve a property, money paid under a private purchase contract, and the total part of the purchase price funded from savings.<\/p>\n<p>Keep these amounts separate in your spreadsheet. A reservation payment that is credited towards the price normally forms part of your own contribution. Counting it once as a fee and again as part of the deposit overstates your budget.<\/p>\n<p>Before transferring anything, ask for written terms covering the recipient, the property, the price, the next deadline and the circumstances in which money can be returned. Have your lawyer explain the contract\u2019s consequences; do not assume all reservation or <em>arras<\/em> agreements work alike.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"hs-infographic\">\n<div class=\"wrap\">\n<div class=\"kicker\">HOMESEE \/ VISUAL GUIDE<\/div>\n<h2>One \u20ac300,000 home. Two funding scenarios.<\/h2>\n<p>The bars show the mortgage amount as a proportion of the purchase price.<\/p>\n<div class=\"hs-bars\">\n<div class=\"hs-bar-row\">\n<div class=\"hs-bar-label\"><span>Scenario A \/ 80% loan<\/span><strong>\u20ac240,000 mortgage<\/strong><\/div>\n<div class=\"hs-track\" aria-hidden=\"true\"><span style=\"width:80%\"><\/span><\/div>\n<\/div>\n<div class=\"hs-bar-row\">\n<div class=\"hs-bar-label\"><span>Your contribution in A<\/span><strong>\u20ac60,000 cash<\/strong><\/div>\n<div class=\"hs-track\" aria-hidden=\"true\"><span style=\"width:20%\"><\/span><\/div>\n<\/div>\n<div class=\"hs-bar-row\">\n<div class=\"hs-bar-label\"><span>Scenario B \/ 70% loan<\/span><strong>\u20ac210,000 mortgage<\/strong><\/div>\n<div class=\"hs-track\" aria-hidden=\"true\"><span style=\"width:70%\"><\/span><\/div>\n<\/div>\n<div class=\"hs-bar-row\">\n<div class=\"hs-bar-label\"><span>Your contribution in B<\/span><strong>\u20ac90,000 cash<\/strong><\/div>\n<div class=\"hs-track\" aria-hidden=\"true\"><span style=\"width:30%\"><\/span><\/div>\n<\/div>\n<\/div>\n<p class=\"hs-chart-note\">Illustrative arithmetic only. Both scenarios exclude taxes, fees, furnishing and a cash reserve. Eligibility and the valuation basis must be confirmed by the lender.<\/p>\n<\/div>\n<\/section>\n<section class=\"block\">\n<div class=\"wrap block-grid\">\n<div>\n<div class=\"kicker\">02 \/ THE MORTGAGE<\/div>\n<h2>Why the valuation can change your cash requirement<\/h2>\n<\/div>\n<div class=\"copy\">\n<p>Banco de Espa\u00f1a explains that mortgage lending is normally limited to a proportion of the appraised value, commonly up to 80%. That does not give every applicant an entitlement to an 80% mortgage.<\/p>\n<p>Suppose you agree a \u20ac300,000 price, the bank accepts a \u20ac280,000 valuation and offers 80% of that valuation. The resulting loan would be \u20ac224,000. Your contribution towards the price would be \u20ac76,000, before acquisition costs.<\/p>\n<p>Ask the lender which value it will use and whether its limit also depends on the purchase price. A preliminary conversation is useful for planning; it is not a substitute for approval of both your application and the property.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"table-section\">\n<div class=\"wrap\">\n<h2>Your cash-to-completion worksheet<\/h2>\n<div class=\"table-scroll\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Line<\/th>\n<th scope=\"col\">How to calculate it<\/th>\n<th scope=\"col\">\u20ac300,000 example<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th scope=\"row\">Purchase price<\/th>\n<td>Agreed price in the contract<\/td>\n<td>\u20ac300,000<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">Less approved mortgage<\/th>\n<td>Use the actual offer, not an online maximum<\/td>\n<td>\u2212 \u20ac210,000<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">Your total price contribution<\/th>\n<td>Purchase price minus loan<\/td>\n<td>\u20ac90,000<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">Less credited payments already made<\/th>\n<td>Reservation and contract amounts included in the price<\/td>\n<td>Deduct actual amounts<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">Add unpaid acquisition costs<\/th>\n<td>Obtain an itemised property-specific estimate<\/td>\n<td>Add quoted amount<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">Keep a separate reserve<\/th>\n<td>Moving, works, furniture and unexpected expenses<\/td>\n<td>Choose your own amount<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"cards\">\n<div class=\"wrap\">\n<div class=\"cards-head\">\n<div class=\"kicker\">THE PRACTICAL DETAILS<\/div>\n<h2>What belongs outside the deposit?<\/h2>\n<\/div>\n<div class=\"cards-grid\">\n<div class=\"card\">\n<div class=\"label\">01<\/div>\n<h3>Acquisition taxes<\/h3>\n<p>Ask for the tax treatment of the actual transaction and location. Resale and new-build purchases can be taxed differently, and a percentage quoted for another region may not apply.<\/p>\n<\/div>\n<div class=\"card\">\n<div class=\"label\">02<\/div>\n<h3>Professional and transaction costs<\/h3>\n<p>Request an itemised estimate covering your lawyer, the purchase deed and registration, together with any buyer-paid financing or valuation costs. Check what is included.<\/p>\n<\/div>\n<div class=\"card\">\n<div class=\"label\">03<\/div>\n<h3>Currency and transfer costs<\/h3>\n<p>If your savings are held outside the euro, model the euro amount you need and the conversion costs. Leave room for exchange-rate movement before payment dates.<\/p>\n<\/div>\n<div class=\"card\">\n<div class=\"label\">04<\/div>\n<h3>The first months of ownership<\/h3>\n<p>Keep furnishing, utility setup, insurance, community charges and any works in a separate budget. Cash left after completion is part of a comfortable purchase.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"dark\">\n<div class=\"wrap block-grid\">\n<div>\n<div class=\"kicker\">03 \/ BUYING FROM ABROAD<\/div>\n<h2>How much deposit does a non-resident need?<\/h2>\n<\/div>\n<div class=\"copy\">\n<p>There is no single deposit percentage that answers every non-resident application. Ask lenders to assess your residency, income currency, existing commitments and documentation before you fix your search budget.<\/p>\n<p>Use the 70% and 80% examples above as sensitivity checks, not a claim about what a bank will offer you. A smaller approved loan increases your required cash euro for euro. Also check whether the proposed monthly payment remains comfortable after your other commitments.<\/p>\n<p>Start the practical paperwork early. HomeSee\u2019s <a href=\"https:\/\/home-see.com\/fr\/nie-bank-account-power-of-attorney-spain-2026\/\">NIE, bank account and power of attorney guide<\/a> explains the administrative side of preparing a purchase from abroad.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"cards\">\n<div class=\"wrap\">\n<div class=\"cards-head\">\n<div class=\"kicker\">THE PRACTICAL DETAILS<\/div>\n<h2>Your questions, answered<\/h2>\n<\/div>\n<div class=\"cards-grid\">\n<div class=\"card\">\n<div class=\"label\">01<\/div>\n<h3>Is a 10% contract payment the full deposit?<\/h3>\n<p>Not necessarily. The contract may require one amount now while the mortgage leaves a larger share of the price for you to fund. Work backwards from the final approved loan.<\/p>\n<\/div>\n<div class=\"card\">\n<div class=\"label\">02<\/div>\n<h3>Do I get my deposit back if the mortgage is refused?<\/h3>\n<p>Do not assume so. Ask your lawyer to check whether the agreement includes an appropriate financing condition and exactly how it works before signing.<\/p>\n<\/div>\n<div class=\"card\">\n<div class=\"label\">03<\/div>\n<h3>Can I use a bank\u2019s online estimate to make an offer?<\/h3>\n<p>Use it to explore a budget, then obtain an assessment. Approval, valuation and the final terms can change the amount available.<\/p>\n<\/div>\n<div class=\"card\">\n<div class=\"label\">04<\/div>\n<h3>Does buying without a mortgage remove acquisition costs?<\/h3>\n<p>No. A cash buyer funds the full purchase price and still needs an estimate of the transaction\u2019s taxes, professional fees and other applicable costs.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"bottom\">\n<div class=\"wrap bottom-grid\">\n<div>\n<div class=\"kicker\">CONTINUE WITH HOMESEE<\/div>\n<h2>Set the cash budget, then choose the home.<\/h2>\n<\/div>\n<div class=\"bottom-copy\">\n<p>Build your shortlist around the amount you can comfortably fund at completion. Keep the reservation, mortgage and total ownership budget visible on the same page.<\/p>\n<div class=\"links\"><a class=\"primary\" href=\"https:\/\/home-see.com\/fr\/how-to-get-a-mortgage-in-spain-process-and-requirements-for-foreigners\/\">Explore the mortgage process<\/a><a href=\"https:\/\/home-see.com\/fr\/buying-property-in-spain-non-resident-2026\/\">Buying as a non-resident<\/a><\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"sources\">\n<div class=\"wrap\"><strong>Sources &amp; methodology<\/strong><\/p>\n<p><a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/blog\/la-tasacion-no-solo-es-un-mero-tramite.html\">Banco de Espa\u00f1a: the role of the mortgage valuation<\/a> (12 March 2024). <a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/blog\/consejos-para-firmar-tu-primera-hipoteca.html\">Banco de Espa\u00f1a: preparing for a first mortgage<\/a> (20 April 2021). All euro amounts and funding scenarios are HomeSee calculations. Request current lender terms and independent advice on the specific purchase.<\/p>\n<p>Editorial review: 22 September 2026. Worked examples are illustrations, not property offers or mortgage quotations.<\/p>\n<\/div>\n<\/section>\n<\/article>","protected":false},"excerpt":{"rendered":"<p>Understand the deposit needed to buy property in Spain, with \u20ac300,000 purchase examples, mortgage valuation gaps and a clear cash-budget 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