{"id":8639,"date":"2025-04-18T12:40:44","date_gmt":"2025-04-18T10:40:44","guid":{"rendered":"https:\/\/www.iimarbella.com\/8639-kredyt-hipoteczny-w-hiszpanii-sprawdz-jak-uzyskac-go-jako-obcokrajowiec"},"modified":"2026-03-20T10:40:48","modified_gmt":"2026-03-20T09:40:48","slug":"mortgage-in-spain-how-to-get-as-foreigner","status":"publish","type":"post","link":"https:\/\/www.iimarbella.com\/en\/8639-mortgage-in-spain-how-to-get-as-foreigner","title":{"rendered":"Mortgage in Spain \u2013 Find Out How to Get One as a Foreigner!"},"content":{"rendered":"\n<p>Dreaming of a home under the palm trees? Want to invest in property on the sunny coast of Spain, but wonder if it&#8217;s even possible as a foreigner? <strong>We have good news for you \u2013 a Spanish mortgage is open to you!<\/strong> It only takes a few steps and the right support for your Spanish dream to come true.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mortgage for Foreigners<\/strong><\/h2>\n\n\n\n<p>Many people mistakenly assume that a mortgage in Spain is exclusively available to residents. However, <strong>Spanish banks are happy to cooperate with foreign buyers<\/strong>, including citizens of Poland. What&#8217;s more, the conditions they offer are often more favorable than those available on the Polish market. You don&#8217;t need Spanish citizenship or even permanent residency to apply for financing. <strong>A foreigner identification number is sufficient<\/strong>, along with basic documents confirming your income and creditworthiness.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Spanish Banks Prioritize Clarity and Transparency<\/strong><\/h2>\n\n\n\n<p>You can expect <strong>interest rates comparable to, and sometimes even lower than, those in Poland<\/strong>, along with transparent terms and no hidden fees. Banks typically finance 60% to 70% of the property value, but with the right support, more flexible arrangements can be negotiated.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Local Support, Even in Your Language<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.iimarbella.com\/oferta\">Purchasing property <\/a>in a foreign country is a significant decision. At I.I. Marbella, we understand this perfectly, which is why we offer not only assistance in selecting the ideal property but also <strong>support throughout the entire process, from the initial contact to receiving the keys<\/strong>. You don&#8217;t need to worry about paperwork! With us, everything proceeds smoothly and stress-free. <strong>We explain every document and guide you step by step.<\/strong> We take care of every detail, even airport pick-up if you plan to visit to view properties. <strong>You are not alone; we are here to act in your best interest.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Take the First Step Today<\/strong><\/h2>\n\n\n\n<p>Don&#8217;t postpone your dream of a Spanish property. Contact us, and we&#8217;ll show you how the process of obtaining a mortgage in Spain actually works. <strong>We will handle the documentation and communication with banks, while you focus on choosing the perfect place to live or invest.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dreaming of a home under the palm trees? Want to invest in property on the sunny coast of Spain, but wonder if it&#8217;s even possible as a foreigner? We have good news for you \u2013 a Spanish mortgage is open to you! It only takes a few steps and the right support for your Spanish [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2360,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[887,7,890,11,889,8],"tags":[50,49,48],"class_list":["post-8639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-hiszpania","category-marbella-real-estate","category-nieruchomosci-marbella","category-spain","category-styl-zycia","tag-costa-del-sol","tag-hiszpania","tag-nieruchomosc"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/posts\/8639","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/comments?post=8639"}],"version-history":[{"count":2,"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/posts\/8639\/revisions"}],"predecessor-version":[{"id":8973,"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/posts\/8639\/revisions\/8973"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/media\/2360"}],"wp:attachment":[{"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/media?parent=8639"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/categories?post=8639"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.iimarbella.com\/en\/wp-json\/wp\/v2\/tags?post=8639"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}