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Welcome to the Kredit Spain Blog
Stay informed with the latest updates, tips, and insights on personal and business loans in Spain as well as the Equity Release market.
Property Valuations in Spain: How Appraisals Drive Your Loan Amount
Getting finance against a Spanish property starts with one decisive figure: the valuation. Whether you’re pursuing a secured loan, equity release, refinance, or bridge facility, the appraisal sets your borrowing ceiling, influences pricing, and can make or break...
LTV, LTC & DSCR in Spain: Lending Ratios Every Borrower Must Know
Understanding how lenders size and price a loan is half the battle to getting approved on the terms you want. In Spain, three ratios do most of the heavy lifting: LTV (Loan-to-Value), LTC (Loan-to-Cost) and DSCR (Debt Service Coverage Ratio). Master these, and you’ll...
Renovate, Then Refinance: How to Boost Value and Release Equity
Turning a good property into a great one is often about timing, planning and finance. The “renovate, then refinance” strategy lets you upgrade your Spanish home, lift its market value, and then unlock part of that uplift as cash—without selling the asset. Done right,...
Notary, Land Registry & Taxes: The Real Closing Costs Borrowers Overlook
When you raise finance against a Spanish property—whether a secured loan, equity release or a bridge facility—the headline interest rate is only part of the story. Your true cost to close includes notary and registry fees, taxes, third-party services and lender...
Common Loan Application Mistakes in Spain—and How to Avoid Them
Securing finance in Spain can be straightforward if you know how lenders think, which documents matter most, and which product really fits your situation. Many applications fail not because borrowers are unqualified, but because they make avoidable mistakes: choosing...
Property Valuations in Spain: How Appraisals Drive Your Loan Amount
Using your Spanish property to access finance—whether a secured loan or bridging facility—starts with one critical milestone: the valuation (tasación). The appraisal determines how much you can borrow, which lender products you qualify for, and how fast you can...
Wealth Tax in Spain: What It Is and How It Works
Spain’s wealth tax, known as “Impuesto sobre el Patrimonio”, is a direct tax levied on the net worth of individuals. It essentially taxes your total net assets, meaning all the property and rights with economic value you own after deducting any burdens, encumbrances,...
How to Use Your Spanish Property to Secure Business Funding
Accessing business funding in Spain can be challenging—especially for expats, self-employed individuals, or entrepreneurs without a conventional financial profile. Traditional banks often impose strict requirements around income verification, credit history, and...
Benefits of Being a Tax Resident in Spain: What Expats Need to Know
Spain remains one of the top destinations for expats worldwide—not only for its lifestyle, climate, and healthcare system, but also for the financial advantages that come with becoming a tax resident. Whether you’re planning to retire in Spain, invest in property, or...
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