Advantages of the mortgage* at HolaBank

  • Free online mortgage calculator

    Calculate your mortgage payments online to find the perfect home and the loan conditions to suit your needs.

  • Free mortgage feasibility study

    After selecting your home, upload your documents online to obtain a free feasibility study in 72 hours.

  • In your own language

    Send us all your documents in your own language. You don't need to translate them.

  • Long-term assistance

    HolaBank's specialised advisers offer you continuous support that goes far beyond the approval of your mortgage.

5 simple steps towards your new home

1. Find your home

Find the right home for you.

Simulate how much you will pay every month and ask us to analyse your circumstances.

Calculate your mortgage

2. Complete an online application.

Fill in the form so that we can analyse your circumstances available for residents in 15 countries in Western Europe, USA Japan and Canada.

We study the feasibility of your mortgage, and give you a response in 72 hours.

Apply for a mortgage

3. Analysis

To analyse the feasibility, we need you to send us a series of documents. The mortgage application form will tell you which the documents are needed depending on your country.

Based on the information you provide, we will analyze your request.

After the analysis, an adviser will contact you to arrange the property valuation and inform you whether we can grant you the mortgage.

4. Waiting period

Once you are notified that your mortgage has been approved, you will need to sign the pre-contractual documentation, including the European Standardised Information Sheet (ESIS), the Standardised Warning Sheet, and its annexes, which outline the terms of your mortgage.

Once you sign it, a cooling-off period of 10 calendar days (or 14 days in Catalonia) will begin, allowing you to consult your adviser with any questions and receive free guidance from the notary of your choice.

5. Time of signing

At the end of the cooling-off period, you will sign the mortgage in person, with the notary, your HolaBank adviser and a representative from the management firm present.

A few days after signing, we will send you the deed of sale along with the mortgage agreement for your new home.

Download the detailed guide to buying a home in Spain

What does the guide contain?

  • Step-by-step instructions for non-residents who are buying a home in Spain
  • Useful links to CaixaBank tools and official websites to help you make informed decisions
  • Information on Spanish regions and their characteristics
  • A checklist for comparing properties during visits
  • List of documents you will need for a mortgage application

Download the guide



Do you have more questions about the HolaBank mortgage?

How can you apply for a mortgage?

If you reside in Western Europe, the U.S. or Canada, you can use the online application form to apply for a mortgage and submit the required documents. You will usually receive a response within 72 hours. For residents outside the 15 eligible countries, you can request it at any CaixaBank branch.

How can you find out the maximum budget for your home?

The maximum budget is determined based on:

  • HolaBank finances up to 70% of the value of the property.
  • You must cover the remaining 30% plus an additional 12-15% for taxes and other expenses. In total, you should save around 42-45% of the value of the property.
  • You can use the HolaBank mortgage calculator to estimate your monthly payment based on your budget.

How can you determine the monthly payment that best suits your needs?

Use the HolaBank mortgage calculator to simulate monthly payments. The amount depends on:

  • The amount of the loan (up to 70% of the value of the property).
  • Maximum term of 20 years for deposits in euros and other currencies1, and maximum term of 15 years for deposits in other accepted currencies2.

1. Euro, Pound Sterling, Swedish Krona, Danish Krona, Norwegian Krona, Swiss Franc, US Dollar, Canadian Dollar.

2. Bulgarian Lev, Czech Crown, Hungarian Florin, Polish Zloty, Romanian Leu.

  • The interest rate selected (fixed or floating rate).

Information on the Mortgage Stamp Duty

Stamp Duty (IAJD) applies to mortgages formalised in a public deed. It is calculated based on the mortgage payment and varies according to the region (usually between 0.50% and 2%). CaixaBank absorbs this cost for mortgages.

How can you check your mortgage payment receipts?

You can track your mortgage payment receipts through your linked CaixaBank account. If needed, you can change the account linked to your mortgage, as long as all mortgage holders match the account holders.

Not yet a customer of HolaBank?

Open an account and start enjoying all the benefits of HolaBank.

Open your account

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HolaBank finances up to 70% of the value of the property

Maximum term of 20 years for deposits in euros and other currencies (1) and a maximum term of 15 years for deposits in other accepted currencies(2)
1. Euro, Pound Sterling, Swedish Krona, Danish Krona, Norwegian Krona, Swiss Franc, US Dollar, Canadian Dollar.
2. Bulgarian Lev, Czech Koruna, Hungarian Forint, Polish Zloty, Romanian Leu.

* Financial conditions for property acquisition with mortgage security, based on the following representative example:

1) DISCOUNTED APR: If all discount conditions are met, assuming you qualify for the maximum discount. (i) amount: 150,000 euros; (ii) maximum term: 20 years; (iii) opening fee: 0% ; (iv) interest rate: fixed; discounted NIR: 2.35% (v) discounted APR: 3.981%; (vi) monthly instalment: 239 payments of 783.94 euros and a final payment of 784.80 euros; (vii) number of instalments: 240; (viii) total amount owed (including costs): 216,059.96 euros. (ix) total cost of loan: 66,059.96 euros; (x) interest: 38,146.46 euros. French repayment system1.

2) NON-DISCOUNTED APR: If the discount conditions are not met: (i) amount: 150,000 euros; (ii) maximum term: 20 years; (iii) opening fee: 0% ; (iv) interest rate: fixed; NIR: 3.35% (v) APR: 3.938%; (vi) monthly instalment: 239 payments of 858.42 euros and a final payment of 856.62 euros; (vii) number of instalments: 240; (viii) total amount owed (including costs): 215,413.10 euros. (ix) total cost of loan: 65,413.10 euros; (x) interest: 56,019.00 euros. French repayment system1.

The APR may vary depending on the loan term and the amount borrowed, as well as monthly reviews of compliance with the discount conditions.

Common conditions for both the discounted APR and the non-discounted APR:

a) Other common financial conditions: compensation or fee for full or partial early repayment, which cannot exceed the financial loss incurred by CaixaBank, with a maximum limit of 2% of the repaid principal during the first 10 years and 1.5% of the repaid principal for the remainder of the loan term.

b) Preliminary costs covered by CaixaBank. (i) taxes: 1,125.00 euros in stamp duty (IAJD) for a mortgage liability of 150,000 euros and a tax rate of 0.75%; (ii) registry check: 10.91 euros; (iii) notary fees: 597.00 euros; (iv) administrative fees: 363.00 euros; (v) land registry registration: 283.00 euros.

c) Preliminary costs covered by the customer. (i) property valuation: €254.10

d) Associated ancillary services covered by the customer: the customer must compulsorily pay for damage insurance, regardless of whether they choose to subscribe to the discount conditions. CaixaBank does not offer standalone damage insurance. Therefore, we provide below the premium resulting from a simulated home insurance policy, which is the closest equivalent offered by the bank (please note that home insurance provides broader coverage than damage insurance). For the calculation of both the non-discounted APR and the discounted APR, the premium from the simulated home insurance will be considered. Additionally, for the discounted APR, the corresponding discount for taking out the insurance will be applied. However, customers are free to choose their damage insurance provider, which is the only mandatory insurance requirement.

Home insurance: 317.00 euros annual premium. Annual premium amount based on the assumption that it will remain unchanged throughout the duration of the loan. The amount provided is for guidance only and is based on home insurance products offered by CaixaBank, S.A. (example based on a mortgage loan of €150,000 and building coverage between €100,001 and €120,000, and a 100 m2 constructed property. The total amount payable for this insurance over the entire loan term would be €6,340.00). The amount is based on a simulated estimate within an indicative range. Therefore, the final value may vary depending on the exact building coverage and square meterage of the property.

Payment account: it is necessary to maintain an active account with CaixaBank throughout the duration of the loan. The customer must cover the account maintenance fee, which amounts to 35 euros/quarter. The calculation of both the discounted APR and the non-discounted APR will take this maintenance cost into account..

Discount conditions: these are percentage points that will be deducted from the NIR if the following products are taken out. (i) Direct deposit for the last 6 months of salary, pension, or average net income for self-employed individuals of > €600 per month, + direct debit of 3 bills + purchases made with cards*** issued by CaixaBank, S.A., where the borrower is the cardholder and the card settlements are linked to a current account opened with CaixaBank, S.A. The card must have been used for at least three purchases in the last three months: 0.35 pts.; (ii) home insurance contract 0.15 pts; (iii) life insurance contract (MyBox Vida, MyBox Vida Negocios, Vida Familiar or SEVIAM)*, or health insurance (excluding Adeslas Dental and Adeslas Básico), 0.35 or 0.20 pts. these being mutually exclusive: life insurance contract covering an amount equal to or greater than 95% of the loan amount: 0.35 pts.; Life insurance contract covering between 50% and 95% of the loan amount: 0.20 pts. (no discount will apply if the insured capital is less than 50% of the loan amount.), or standalone health insurance contract: 0.20 pts.; (iv) financing or subscription to the “Alarma Hogar SECURITAS DIRECT”** service: 0.15 pts. The specified services must always be marketed by CaixaBank, S.A. or Facilitea Selectplace, S.A.U. Compliance with the specified requirements for applying the discount conditions will be reviewed monthly. Based on this review, CaixaBank may adjust the interest rate up or down accordingly. The contracting of the listed products is optional. Each product can be taken out independently, with no difference between the combined offer and the individual product offer (the price of the products and services with the specified features remains the same, whether they are contracted together or separately.).

*Life insurance (simulation of life insurance and repayment) with annual premium of 265.61 euros (based on the assumption that the premium will remain unchanged throughout the duration of the loan and will not be adjusted according to the amortised capital or the age progression of the policyholders). The premium is calculated based on the contracting of a life insurance policy covering 100% of the loan amount, with the insured person being 30 years old. The cost of this service will be borne by the customer if they choose to take out the policy.

** Subscription or financing of the “Alarma Hogar SECURITAS DIRECT” service, offered by Facilitea Selectplace, S.A.U. and/or financed by CaixaBank. Financing is understood as being provided through a loan with a 0% APR and 0% NIR (48 monthly instalments of €52.03 each, with no interest, for the financing of the acquisition, installation and maintenance of the alarm system). Total amount owed and PVP: €2,497.44 € total price in instalments. Total loan amount €2,497.44 €. The total cost of the loan for the consumer is €0. For the remaining duration of the mortgage loan, the alarm maintenance service must remain active, with a monthly cost of €52.03.

*** Card maintenance cost (simulation based on Visa Electron debit card) issued by CaixaBank: 36 euros/year. The calculation of the discounted APR will take this maintenance cost into account. The cost of this service will be borne by the customer if they choose to subscribe to it.

Warnings: (i) failure to meet the obligations of the loan may have serious consequences for the mortgage borrower, their guarantor, or the property owner, including the loss of their home and other assets; (ii) CaixaBank reserves the right to refuse the loan application or approve it under the conditions it deems appropriate, following an assessment of the applicant's creditworthiness and in accordance with the bank's risk criteria; (iii) the APR, in accordance with the law, includes the financial conditions of the example, as well as associated costs and ancillary services, based on the assumption that the insurance premium will remain unchanged throughout the duration of the contract; (iv) Right to convert the loan currency: If the loan is denominated as a ‘foreign currency loan’, the customer may convert the foreign currency loan into the currency in which the customer receives his or her income or the currency of the Member State in which he or she resides. The change of currency (initially contracted in euros) to an alternative currency will entail the automatic change of the interest rate, which will switch from a fixed rate to a variable rate for the entire remaining duration of the loan, under the terms established at the time of contracting.

1 French repayment system: payment of a fixed instalment, consisting or a portion for capital repayment and a portion for interest. The interest component of each instalment is calculated by applying the effective interest rate to the outstanding capital at the beginning of each monthly period. The remaining amount of the instalment, after deducting the interest portion, corresponds to the capital repayment.
Each month, interest must be paid on the outstanding principal. At the beginning of the loan term, the outstanding balance is higher, which means that the interest portion of the instalment is greater than the capital repayment portion. Since the goal is to maintain a constant instalment, the interest portion gradually decreases, while the capital repayment portion increases over time.

The instalment remains constant as long as the interest rate does not change. For example, with a loan of 100,000 euros, a 20-year term and an interest rate of 3.75%, the monthly instalments would be 592.89 euros. The first payment would consist of 312.50 euros in interest and only 280.39 euros towards repaying the principal. In contrast, 20 years later, the final payment would consist of 1.85 euros in interest and 591.04 euros in principal repayment.

Arithmetic formula (French system)

ak = Ck * [(r/m) / [1-[1+(r/m)] -n]]

where "ak" monthly instalment for both principal and interest; "Ck", outstanding principal at the beginning of the preiod; "r", nominal annual interest rate, expressed as decimal; "m", number of payment periods per year; and "n", remaining number of instalments (principal and interest repayments).


NRI: 8041-2025/09542