Blog
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.
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...
Secured Loans in Spain: Minimum Requirements and How to Qualify
Secured loans are one of the most flexible and accessible ways for property owners to obtain financing in Spain. Whether you’re an expat, a resident, or a non-resident with assets in the country, a secured loan allows you to borrow money by using your property as...
Release Cash From Your Home in Spain
Owning property in Spain offers more than just a place to live—it can be a powerful financial asset. Whether you're an expat looking to free up capital, a retiree seeking additional income, or a homeowner wanting to invest in new opportunities, equity release allows...
How to Get a Personal Loan in Spain as a Foreigner: Best Options & Requirements
Spain is a popular destination for expats, but securing financing—especially personal loans—can be a challenge due to strict banking regulations. Since the Spanish mortgage law reform in 2019, it has become increasingly difficult for expats to obtain loans from...
Contact Us
Get In Touch
Speak to one of out friendly team – all estimates and proposals are free of charge.
Minimum loan amount is 20,000€