{"id":95732,"date":"2026-04-08T09:38:00","date_gmt":"2026-04-08T09:38:00","guid":{"rendered":"https:\/\/www.immosol.com\/?p=95732"},"modified":"2026-04-08T09:38:06","modified_gmt":"2026-04-08T09:38:06","slug":"hipotecas-antes-comprar-vivienda","status":"publish","type":"post","link":"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/","title":{"rendered":"Mortgages: everything you need to know before buying your home"},"content":{"rendered":"<p><a href=\"https:\/\/www.immosol.com\/en\/comprar-una-casa-todo-lo-que-tienes-que-saber\/\"><strong>Buying a property on the Costa Blanca<\/strong><\/a> is one of the most important (and exciting) decisions you can make. The climate, quality of life and investment make this area an ideal choice. However, for many buyers, the process involves applying for an <strong>mortgage<\/strong>, and understanding how it works is key to making the best decision.<\/p>\n\n\n\n<p>In this article we explain everything you need to know.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#%C2%BFQue_saber_antes_de_pedir_una_hipoteca\" >What to know before taking out a mortgage?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Capacidad_de_endeudamiento\" >Debt capacity<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Ahorros_previos\" >Previous savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Tipo_de_hipoteca\" >Type of mortgage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Estabilidad_laboral\" >Job stability<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#%C2%BFMe_conviene_una_hipoteca_o_comprar_al_contado\" >Should I take out a mortgage or buy in cash?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Ventajas_de_la_hipoteca\" >Advantages of the mortgage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Ventajas_de_comprar_al_contado\" >Advantages of buying in cash<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Hipotecas_para_vivienda_de_obra_nueva\" >Mortgages for new housing<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Financiacion_durante_la_construccion\" >Financing during construction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Condiciones_favorables\" >Favourable conditions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Mayor_seguridad_juridica\" >Greater legal certainty<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.immosol.com\/en\/hipotecas-antes-comprar-vivienda\/#Todo_listo_para_dar_el_paso_hacia_tu_nueva_vivienda\" >All set to take the step into your new home<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_saber_antes_de_pedir_una_hipoteca\"><\/span>What to know before taking out a mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before <strong>applying for a mortgage<\/strong>, If you have a financial situation, it is essential to analyse your financial situation and to know some key aspects:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Capacidad_de_endeudamiento\"><\/span>Debt capacity<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Banks usually recommend that your monthly mortgage payment should not exceed 30-35% of your income. This will allow you to maintain a healthy economy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ahorros_previos\"><\/span>Previous savings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Generally, you will need to have at least 20% of the value of the property (as most institutions will finance up to 80%), plus an additional 10-15% for expenses (taxes, notary, registry, etc.).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipo_de_hipoteca\"><\/span>Type of mortgage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are mainly three types:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed mortgage<\/strong>stable instalments throughout the life of the loan.<\/li>\n\n\n\n<li><strong>Variable mortgage<\/strong>The interest rate: it depends on the Euribor, it can go up or down.<\/li>\n\n\n\n<li><strong>Mixed mortgage<\/strong>combines both.<\/li>\n<\/ul>\n\n\n\n<p>Which one you choose will depend on your profile and risk tolerance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Estabilidad_laboral\"><\/span>Job stability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Institutions particularly value permanent contracts or stable income, although there are also options for self-employed or international buyers.<\/p>\n\n\n\n<p>At <a href=\"https:\/\/www.immosol.com\/en\/\"><strong>Immosol<\/strong><\/a>, We accompany our clients in this process, facilitating contacts with financial institutions that offer competitive conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"%C2%BFMe_conviene_una_hipoteca_o_comprar_al_contado\"><\/span>Should I take out a mortgage or buy in cash?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the most common doubts is whether it is better to finance the purchase with a mortgage, or to pay cash and pay in cash. <a href=\"https:\/\/www.immosol.com\/en\/como-comprar-una-casa-sin-hipoteca-immosol\/\"><strong>buying without a mortgage<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_de_la_hipoteca\"><\/span>Advantages of the mortgage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It allows access to housing without having the total capital.<\/li>\n\n\n\n<li>You maintain liquidity for other investments or contingencies.<\/li>\n\n\n\n<li>In some cases, it may be fiscally interesting (depending on country of residence).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_de_comprar_al_contado\"><\/span>Advantages of buying in cash<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You avoid interest and financial costs.<\/li>\n\n\n\n<li>Faster and simpler purchasing process.<\/li>\n\n\n\n<li>Greater bargaining power on price.<\/li>\n<\/ul>\n\n\n\n<p>In areas such as the Costa Blanca, <strong>Many international buyers opt for a combination of both strategies: part cash and part financed.<\/strong>. The decision will depend on your personal situation, financial objectives and investment profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Hipotecas_para_vivienda_de_obra_nueva\"><\/span>Mortgages for new housing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you are thinking of buying a newly-built property, such as a new house, such as the <a href=\"https:\/\/www.immosol.com\/en\/promociones\/\"><strong>Immosol promotions<\/strong><\/a>, If you do not have a mortgage, you should take into account some particularities of the mortgage:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financiacion_durante_la_construccion\"><\/span>Financing during construction<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In many cases, payments are made in phases while the house is being built. The mortgage is usually formalised at the end, at the time of handover.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Condiciones_favorables\"><\/span>Favourable conditions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Financial institutions usually offer good conditions for new construction, especially if the development has previous agreements with banks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mayor_seguridad_juridica\"><\/span>Greater legal certainty<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Newly built homes have guarantees, energy certifications and comply with current regulations, which also has a positive influence on the granting of the mortgage.<\/p>\n\n\n\n<p>In addition, <strong>at Immosol we help you to manage the whole process<\/strong>, from booking to signing, so that buying your home is a comfortable and secure experience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Todo_listo_para_dar_el_paso_hacia_tu_nueva_vivienda\"><\/span>All set to take the step into your new home<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Applying for a mortgage<\/strong> need not be complicated if you have the right information and the right advice. Analysing your situation, comparing options and relying on professionals will make all the difference.<\/p>\n\n\n\n<p>If you are thinking of buying a property on the Costa Blanca, <a href=\"https:\/\/www.immosol.com\/en\/contacto\/\"><strong>Immosol will be pleased to help you<\/strong><\/a> to find the best option for you and accompany you throughout the process.<\/p>","protected":false},"excerpt":{"rendered":"<p>Find out everything you need to know about mortgages before buying a home. Key tips, rates and financing for new builds.<\/p>","protected":false},"author":14,"featured_media":95736,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-95732","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-costa-blanca-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hipotecas: claves antes de comprar tu vivienda - Immosol | Promotora inmobiliaria en la Costa Blanca<\/title>\n<meta name=\"description\" content=\"Descubre todo lo que debes saber sobre una hipoteca antes de comprar vivienda. 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