{"id":46335,"date":"2025-10-26T07:45:01","date_gmt":"2025-10-26T07:45:01","guid":{"rendered":"https:\/\/www.asesoriaorihuelacosta.com\/?p=46335"},"modified":"2025-10-26T08:36:03","modified_gmt":"2025-10-26T08:36:03","slug":"spain-mortgage-calculator-apr-ltv-own-funds-orihuela-costa","status":"publish","type":"post","link":"https:\/\/www.asesoriaorihuelacosta.com\/en\/spain-mortgage-calculator-apr-ltv-own-funds-orihuela-costa\/","title":{"rendered":"Mortgage Calculator Spain: APR, LTV &amp; own funds for Spain"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46335\" class=\"elementor elementor-46335\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-94a1190 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94a1190\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f506feb\" data-id=\"f506feb\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-86c668b elementor-widget elementor-widget-text-editor\" data-id=\"86c668b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"19063\" data-end=\"19548\">Buying in Spain and need a clear view of <strong data-start=\"19116\" data-end=\"19142\">what you\u2019ll really pay<\/strong>\u2014and <strong data-start=\"19147\" data-end=\"19179\">how much cash you must bring<\/strong>? Our <strong data-start=\"19185\" data-end=\"19213\">LITE Mortgage Calculator<\/strong> (Elementor-compatible) estimates your <strong data-start=\"19252\" data-end=\"19318\">monthly payment, APR (TAE), total interest and total loan cost<\/strong>, and also computes your <strong data-start=\"19343\" data-end=\"19366\">maximum loan by LTV<\/strong> (80% residents \u00b7 70% non-residents, editable), <strong data-start=\"19414\" data-end=\"19432\">purchase taxes<\/strong> and the <strong data-start=\"19441\" data-end=\"19454\">own funds<\/strong> you\u2019ll need. It ships with <strong data-start=\"19482\" data-end=\"19513\">Valencian Community presets<\/strong> you can edit for any other region.<\/p><blockquote data-start=\"19550\" data-end=\"19633\"><p data-start=\"19552\" data-end=\"19633\">Methodology: <strong data-start=\"19565\" data-end=\"19582\">French method<\/strong> (constant installment). Clear math, no fine print.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4d489cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d489cc\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-57c169e\" data-id=\"57c169e\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd59559 elementor-widget elementor-widget-heading\" data-id=\"dd59559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to use it (quick guide)\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e1b3c39 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e1b3c39\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8522e6a\" data-id=\"8522e6a\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b52974 elementor-widget elementor-widget-text-editor\" data-id=\"0b52974\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"19672\" data-end=\"19972\"><p data-start=\"19675\" data-end=\"19695\"><strong data-start=\"19675\" data-end=\"19693\">Purchase &amp; LTV<\/strong><\/p><ul data-start=\"19699\" data-end=\"19972\"><li data-start=\"19699\" data-end=\"19752\"><p data-start=\"19701\" data-end=\"19752\">Enter <strong data-start=\"19707\" data-end=\"19725\">Purchase price<\/strong> and <strong data-start=\"19730\" data-end=\"19749\">Appraised value<\/strong>.<\/p><\/li><li data-start=\"19756\" data-end=\"19861\"><p data-start=\"19758\" data-end=\"19861\">Choose <strong data-start=\"19765\" data-end=\"19777\">LTV base<\/strong>: <em data-start=\"19779\" data-end=\"19790\">Appraisal<\/em> or <em data-start=\"19794\" data-end=\"19823\">Lower of (price, appraisal)<\/em> (most banks use the lower-of rule).<\/p><\/li><li data-start=\"19865\" data-end=\"19972\"><p data-start=\"19867\" data-end=\"19972\">Select <strong data-start=\"19874\" data-end=\"19887\">Residency<\/strong> (<em data-start=\"19889\" data-end=\"19903\">Resident 80%<\/em> \u00b7 <em data-start=\"19906\" data-end=\"19924\">Non-resident 70%<\/em> \u00b7 <em data-start=\"19927\" data-end=\"19935\">Custom<\/em>) and adjust the <strong data-start=\"19952\" data-end=\"19961\">LTV %<\/strong> if needed.<\/p><\/li><\/ul><\/li><li data-start=\"19974\" data-end=\"20297\"><p data-start=\"19977\" data-end=\"19997\"><strong data-start=\"19977\" data-end=\"19995\">Region &amp; taxes<\/strong><\/p><ul data-start=\"20001\" data-end=\"20297\"><li data-start=\"20001\" data-end=\"20086\"><p data-start=\"20003\" data-end=\"20086\"><strong data-start=\"20003\" data-end=\"20023\">Region (presets)<\/strong>: <em data-start=\"20025\" data-end=\"20046\">Valencian Community<\/em> (default) or <em data-start=\"20060\" data-end=\"20083\">Other region (manual)<\/em>.<\/p><\/li><li data-start=\"20090\" data-end=\"20171\"><p data-start=\"20092\" data-end=\"20171\"><strong data-start=\"20092\" data-end=\"20109\">Property type<\/strong>: <em data-start=\"20111\" data-end=\"20134\">Resale (transfer tax)<\/em> or <em data-start=\"20138\" data-end=\"20168\">New build (VAT + stamp duty)<\/em>.<\/p><\/li><li data-start=\"20175\" data-end=\"20297\"><p data-start=\"20177\" data-end=\"20297\">The field <strong data-start=\"20187\" data-end=\"20219\">\u201cTaxes + purchase costs (%)\u201d<\/strong> <strong data-start=\"20220\" data-end=\"20233\">autofills<\/strong> (Valencian: ~12% resale, ~11.5% new build) and is <strong data-start=\"20284\" data-end=\"20296\">editable<\/strong>.<\/p><\/li><\/ul><\/li><li data-start=\"20299\" data-end=\"20770\"><p data-start=\"20302\" data-end=\"20335\"><strong data-start=\"20302\" data-end=\"20333\">Loan &amp; financial conditions<\/strong><\/p><ul data-start=\"20339\" data-end=\"20770\"><li data-start=\"20339\" data-end=\"20434\"><p data-start=\"20341\" data-end=\"20434\">Enter the <strong data-start=\"20351\" data-end=\"20376\">Requested loan amount<\/strong> (the tool caps it at the <strong data-start=\"20402\" data-end=\"20417\">LTV maximum<\/strong> if necessary).<\/p><\/li><li data-start=\"20438\" data-end=\"20544\"><p data-start=\"20440\" data-end=\"20544\">Set <strong data-start=\"20444\" data-end=\"20460\">Term (years)<\/strong> and <strong data-start=\"20465\" data-end=\"20482\">Interest type<\/strong>: <em data-start=\"20484\" data-end=\"20508\">Fixed (annual nominal)<\/em> or <em data-start=\"20512\" data-end=\"20541\">Variable (Euribor + spread)<\/em>.<\/p><\/li><li data-start=\"20548\" data-end=\"20664\"><p data-start=\"20550\" data-end=\"20664\">Add <strong data-start=\"20554\" data-end=\"20569\">Opening fee<\/strong> (%, minimum \u20ac), <strong data-start=\"20586\" data-end=\"20609\">Upfront fixed costs<\/strong>, and <strong data-start=\"20615\" data-end=\"20640\">Monthly product costs<\/strong> (insurance, account).<\/p><\/li><li data-start=\"20668\" data-end=\"20770\"><p data-start=\"20670\" data-end=\"20770\">If your bank offers bonuses, input the <strong data-start=\"20709\" data-end=\"20732\">total discount (pp)<\/strong> on the nominal rate (e.g., <strong data-start=\"20760\" data-end=\"20768\">0.60<\/strong>).<\/p><\/li><\/ul><\/li><li data-start=\"20772\" data-end=\"21076\"><p data-start=\"20775\" data-end=\"20790\"><strong data-start=\"20775\" data-end=\"20788\">Calculate<\/strong><\/p><ul data-start=\"20794\" data-end=\"21076\"><li data-start=\"20794\" data-end=\"20987\"><p data-start=\"20796\" data-end=\"20987\">You\u2019ll get <strong data-start=\"20807\" data-end=\"20826\">monthly payment<\/strong> (loan installment + product costs), <strong data-start=\"20863\" data-end=\"20885\">APR (TAE) estimate<\/strong>, <strong data-start=\"20887\" data-end=\"20905\">total interest<\/strong>, <strong data-start=\"20907\" data-end=\"20921\">total cost<\/strong>, <strong data-start=\"20923\" data-end=\"20938\">LTV maximum<\/strong>, <strong data-start=\"20940\" data-end=\"20955\">applied LTV<\/strong>, <strong data-start=\"20957\" data-end=\"20966\">taxes<\/strong> and <strong data-start=\"20971\" data-end=\"20984\">own funds<\/strong>.<\/p><\/li><li data-start=\"20991\" data-end=\"21076\"><p data-start=\"20993\" data-end=\"21076\">Toggle the <strong data-start=\"21004\" data-end=\"21040\">first-year amortization schedule<\/strong> if you\u2019d like to see the breakdown.<\/p><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c39661b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c39661b\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d1f8438\" data-id=\"d1f8438\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2d75ca elementor-widget elementor-widget-heading\" data-id=\"b2d75ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Results you\u2019ll see\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-991ea12 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"991ea12\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-05f77a9\" data-id=\"05f77a9\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-285c8fb elementor-widget elementor-widget-text-editor\" data-id=\"285c8fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul data-start=\"21106\" data-end=\"21426\"><li data-start=\"21106\" data-end=\"21137\"><p data-start=\"21108\" data-end=\"21137\"><strong data-start=\"21108\" data-end=\"21135\">Monthly payment (total)<\/strong><\/p><\/li><li data-start=\"21138\" data-end=\"21199\"><p data-start=\"21140\" data-end=\"21199\"><strong data-start=\"21140\" data-end=\"21162\">APR (TAE) estimate<\/strong> via monthly IRR of real cash flows<\/p><\/li><li data-start=\"21200\" data-end=\"21246\"><p data-start=\"21202\" data-end=\"21246\"><strong data-start=\"21202\" data-end=\"21220\">Total interest<\/strong> and <strong data-start=\"21225\" data-end=\"21244\">total loan cost<\/strong><\/p><\/li><li data-start=\"21247\" data-end=\"21323\"><p data-start=\"21249\" data-end=\"21323\"><strong data-start=\"21249\" data-end=\"21267\">LTV base value<\/strong>, <strong data-start=\"21269\" data-end=\"21284\">applied LTV<\/strong>, <strong data-start=\"21286\" data-end=\"21306\">max loan allowed<\/strong>, <strong data-start=\"21308\" data-end=\"21321\">loan used<\/strong><\/p><\/li><li data-start=\"21324\" data-end=\"21371\"><p data-start=\"21326\" data-end=\"21371\"><strong data-start=\"21326\" data-end=\"21350\">Purchase taxes\/costs<\/strong> (preset or edited)<\/p><\/li><li data-start=\"21372\" data-end=\"21426\"><p data-start=\"21374\" data-end=\"21426\"><strong data-start=\"21374\" data-end=\"21396\">Own funds required<\/strong> <em data-start=\"21397\" data-end=\"21426\">(price + taxes \u2212 loan used)<\/em><\/p><\/li><\/ul><blockquote data-start=\"21428\" data-end=\"21577\"><p data-start=\"21430\" data-end=\"21577\">Pro tip: run <strong data-start=\"21443\" data-end=\"21462\">without bonuses<\/strong> and <strong data-start=\"21467\" data-end=\"21483\">with bonuses<\/strong>. A lower nominal rate may not be cheaper if the <strong data-start=\"21532\" data-end=\"21544\">products<\/strong>add significant recurring costs.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-8bb9496 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8bb9496\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e1f9178\" data-id=\"e1f9178\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c980d8b elementor-widget elementor-widget-heading\" data-id=\"c980d8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fixed vs Variable (realistic take)\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-50c3481 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50c3481\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f6e4d41\" data-id=\"f6e4d41\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c882550 elementor-widget elementor-widget-text-editor\" data-id=\"c882550\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"21623\" data-end=\"21660\"><p data-start=\"21625\" data-end=\"21660\"><strong data-start=\"21625\" data-end=\"21635\">Fixed:<\/strong> you buy <strong data-start=\"21644\" data-end=\"21657\">stability<\/strong>.<\/p><\/li><li data-start=\"21661\" data-end=\"21922\"><p data-start=\"21663\" data-end=\"21922\"><strong data-start=\"21663\" data-end=\"21676\">Variable:<\/strong> l<a href=\"https:\/\/www.euribordiario.es\" target=\"_blank\" rel=\"noopener\">inked to <strong data-start=\"21687\" data-end=\"21698\">Euribor<\/strong><\/a>. This version lets you <strong data-start=\"21727\" data-end=\"21751\">manually set Euribor<\/strong>; it doesn\u2019t simulate periodic revisions automatically.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c81a305 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c81a305\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa23b1a\" data-id=\"aa23b1a\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2a9e13 elementor-widget elementor-widget-html\" data-id=\"b2a9e13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\nMORTGAGE CALCULATOR LITE \u2014 ELEMENTOR-COMPATIBLE (v3 EN with LTV, own funds & Valencian presets)\n\u2022 Paste this whole block in an Elementor HTML widget.\n\u2022 No external dependencies. No ES6 (uses var and classic functions).\n\u2022 Styles\/IDs namespaced with aoc-mcalc to avoid theme\/plugin conflicts.\n-->\n<div id=\"aoc-mcalc-1\" class=\"aoc-mcalc\">\n  <style>\n    \/* \u2014\u2014 Minimal, isolated styles \u2014\u2014 *\/\n    .aoc-mcalc{font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,\"Helvetica Neue\",Arial; max-width:980px; margin:0 auto; background:#00544D; padding:8px; border-radius:14px}\n    .aoc-mcalc *{box-sizing:border-box}\n    \/* Force white text throughout to avoid theme\/Elementor overrides *\/\n    .aoc-mcalc, .aoc-mcalc * { color:#ffffff !important; }\n    .aoc-mcalc a { color:#ffffff !important; }\n    .aoc-mcalc input::placeholder, .aoc-mcalc textarea::placeholder { color:#ffffff; opacity:.8; }\n    .aoc-mcalc input::-webkit-input-placeholder{ color:#ffffff; opacity:.8; }\n    .aoc-mcalc input:-ms-input-placeholder{ color:#ffffff; }\n    .aoc-mcalc input::-ms-input-placeholder{ color:#ffffff; }\n\n    .aoc-mcalc .aoc-card{background:#00544D;border:1px solid rgba(255,255,255,.25);border-radius:14px;padding:16px}\n    .aoc-mcalc h2{margin:0 0 10px;font-size:20px}\n    .aoc-mcalc label{display:block;font-size:13px;margin:8px 0 6px}\n    .aoc-mcalc input,.aoc-mcalc select{width:100%;padding:10px 12px;border-radius:10px;border:1px solid rgba(255,255,255,.35);background:#00453F}\n    .aoc-mcalc select option{ background:#00453F; color:#ffffff; }\n    .aoc-mcalc .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}\n    .aoc-mcalc .row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}\n    .aoc-mcalc .cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}\n    .aoc-mcalc button{cursor:pointer;border-radius:10px;border:1px solid rgba(255,255,255,.4);background:transparent;padding:10px 14px}\n    .aoc-mcalc button.primary{background:#007c72;border-color:#007c72}\n    .aoc-mcalc .kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}\n    .aoc-mcalc .kpi{background:#00453F;border:1px solid rgba(255,255,255,.25);border-radius:12px;padding:12px}\n    .aoc-mcalc .kpi h3{margin:0 0 4px;font-size:12px}\n    .aoc-mcalc .kpi div{font-size:18px}\n    .aoc-mcalc table{width:100%;border-collapse:collapse;border-spacing:0;margin-top:8px}\n    .aoc-mcalc th,.aoc-mcalc td{border-bottom:1px solid rgba(255,255,255,.25);padding:8px;text-align:right}\n    .aoc-mcalc th:first-child,.aoc-mcalc td:first-child{text-align:left}\n    .aoc-mcalc .muted{font-size:12px}\n    .aoc-mcalc .note{font-size:12px;margin-top:6px}\n    .aoc-mcalc .warn{font-size:12px;margin-top:6px;border:1px dashed rgba(255,255,255,.5);padding:8px;border-radius:10px}\n    .aoc-mcalc .hide{display:none}\n    @media (max-width: 900px){\n      .aoc-mcalc .row,.aoc-mcalc .row3{grid-template-columns:1fr}\n      .aoc-mcalc .kpis{grid-template-columns:1fr 1fr}\n    }\n    @media (max-width: 520px){\n      .aoc-mcalc .kpis{grid-template-columns:1fr}\n    }\n  <\/style>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>Mortgage Calculator (Spain) \u2013 LITE (French method)<\/h2>\n    <p class=\"muted\" style=\"color:#ffffff !important\">Monthly payment, APR (TAE) estimate, total interest and total cost. Includes opening fee, upfront costs and <strong>own funds estimation<\/strong> based on LTV by residency. <strong>Valencian Community presets<\/strong> with editable taxes.<\/p>\n  <\/div>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>Purchase data & LTV policy<\/h2>\n    <div class=\"row3\">\n      <div>\n        <label>Purchase price (\u20ac)<\/label>\n        <input id=\"aoc_price\" type=\"number\" step=\"1000\" min=\"0\" placeholder=\"e.g., 225000\">\n      <\/div>\n      <div>\n        <label>Appraised value (\u20ac)<\/label>\n        <input id=\"aoc_appraise\" type=\"number\" step=\"1000\" min=\"0\" placeholder=\"e.g., 230000\">\n      <\/div>\n      <div>\n        <label>LTV base<\/label>\n        <select id=\"aoc_ltv_base\">\n          <option value=\"tasacion\">Appraisal<\/option>\n          <option value=\"menor\">Lower of (price, appraisal)<\/option>\n        <\/select>\n      <\/div>\n    <\/div>\n    <div class=\"row3\">\n      <div>\n        <label>Residency<\/label>\n        <select id=\"aoc_residency\">\n          <option value=\"res\">Resident (80%)<\/option>\n          <option value=\"nres\">Non-resident (70%)<\/option>\n          <option value=\"custom\">Custom<\/option>\n        <\/select>\n      <\/div>\n      <div>\n        <label>LTV (%)<\/label>\n        <input id=\"aoc_ltv_pct\" type=\"number\" step=\"1\" value=\"80\">\n      <\/div>\n      <div>\n        <label>Region (presets)<\/label>\n        <select id=\"aoc_region\">\n          <option value=\"cv\" selected>Valencian Community (default)<\/option>\n          <option value=\"otra\">Other region (manual edit)<\/option>\n        <\/select>\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Property type<\/label>\n        <select id=\"aoc_property_type\">\n          <option value=\"resale\" selected>Resale (Transfer tax)<\/option>\n          <option value=\"new\">New build (VAT + Stamp duty)<\/option>\n        <\/select>\n      <\/div>\n      <div>\n        <label>Taxes + purchase costs (%)<\/label>\n        <input id=\"aoc_tax_pct\" type=\"number\" step=\"0.1\" value=\"12.0\">\n        <div class=\"note\">Valencian preset: Resale ~12% (ITP + fees). New build ~11.5% (VAT 10% + Stamp duty 1.5%). You can change it.<\/div>\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Requested loan amount (\u20ac)<\/label>\n        <input id=\"aoc_loan\" type=\"number\" step=\"1000\" min=\"1000\" value=\"180000\">\n      <\/div>\n      <div>\n        <label>&nbsp;<\/label>\n        <div class=\"note\">If requested > LTV maximum, the calculator will cap the used loan at the maximum.<\/div>\n      <\/div>\n    <\/div>\n    <div class=\"warn\" id=\"aoc_ltv_warn\" style=\"display:none\"><\/div>\n  <\/div>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>Financial parameters<\/h2>\n    <div class=\"row\">\n      <div>\n        <label>Term (years)<\/label>\n        <input id=\"aoc_years\" type=\"number\" step=\"1\" min=\"1\" max=\"40\" value=\"30\">\n      <\/div>\n      <div>\n        <label>Interest type<\/label>\n        <select id=\"aoc_rate_mode\">\n          <option value=\"fixed\">Fixed (annual nominal)<\/option>\n          <option value=\"variable\">Variable (Euribor + spread)<\/option>\n        <\/select>\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div id=\"aoc_fixed_box\">\n        <label>Fixed nominal rate (%)<\/label>\n        <input id=\"aoc_tin\" type=\"number\" step=\"0.05\" value=\"3.50\">\n      <\/div>\n      <div id=\"aoc_var_box\" class=\"hide\">\n        <label>Euribor 12m (%) & Spread (%)<\/label>\n        <div class=\"row\">\n          <input id=\"aoc_eur\" type=\"number\" step=\"0.05\" value=\"2.50\">\n          <input id=\"aoc_spread\" type=\"number\" step=\"0.05\" value=\"1.20\">\n        <\/div>\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Opening fee (%)<\/label>\n        <input id=\"aoc_open_pct\" type=\"number\" step=\"0.05\" value=\"0.50\">\n      <\/div>\n      <div>\n        <label>Minimum opening fee (\u20ac)<\/label>\n        <input id=\"aoc_open_min\" type=\"number\" step=\"50\" value=\"0\">\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Upfront fixed costs (\u20ac) <span class=\"muted\">appraisal\/agency<\/span><\/label>\n        <input id=\"aoc_upfront\" type=\"number\" step=\"50\" value=\"600\">\n      <\/div>\n      <div>\n        <label>Monthly product costs (\u20ac) <span class=\"muted\">insurance, account\u2026<\/span><\/label>\n        <input id=\"aoc_monthly_cost\" type=\"number\" step=\"1\" value=\"0\">\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Bonus discount (pp off nominal)<\/label>\n        <input id=\"aoc_bonus_pp\" type=\"number\" step=\"0.05\" value=\"0.00\">\n        <div class=\"note\">Example: payroll + insurances lower 0.60 points \u2192 enter 0.60<\/div>\n      <\/div>\n      <div>\n        <label>Nominal floor (%)<\/label>\n        <input id=\"aoc_min_tin\" type=\"number\" step=\"0.05\" value=\"0.50\">\n      <\/div>\n    <\/div>\n    <div class=\"cta\">\n      <button class=\"primary\" id=\"aoc_calc\">Calculate<\/button>\n      <button id=\"aoc_toggle_table\">Show\/Hide amortization (1st year)<\/button>\n      <button id=\"aoc_run_tests\" title=\"Quick tests\">Tests<\/button>\n    <\/div>\n  <\/div>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>Financial results<\/h2>\n    <div class=\"kpis\">\n      <div class=\"kpi\"><h3>Estimated monthly payment<\/h3><div id=\"aoc_kpi_cuota\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>APR (TAE) estimate<\/h3><div id=\"aoc_kpi_tae\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>Total interest<\/h3><div id=\"aoc_kpi_interest\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>Total loan cost<\/h3><div id=\"aoc_kpi_total\">\u2014<\/div><\/div>\n    <\/div>\n    <div class=\"note\">APR is approximated via monthly IRR using net initial disbursement and monthly payments (installment + product costs). Informative, non-binding.<\/div>\n  <\/div>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>Own funds & LTV<\/h2>\n    <div class=\"kpis\">\n      <div class=\"kpi\"><h3>LTV base value<\/h3><div id=\"aoc_kpi_base\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>Applied LTV<\/h3><div id=\"aoc_kpi_ltv\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>Max loan allowed<\/h3><div id=\"aoc_kpi_maxloan\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>Loan used<\/h3><div id=\"aoc_kpi_usedloan\">\u2014<\/div><\/div>\n    <\/div>\n    <div class=\"row\">\n      <div class=\"kpi\" style=\"width:100%\"><h3>Estimated taxes<\/h3><div id=\"aoc_kpi_taxes\">\u2014<\/div><\/div>\n      <div class=\"kpi\" style=\"width:100%\"><h3>Estimated own funds<\/h3><div id=\"aoc_kpi_own\">\u2014<\/div><\/div>\n    <\/div>\n  <\/div>\n\n  <div id=\"aoc_table_card\" class=\"aoc-card hide\">\n    <h2>Amortization schedule (first year)<\/h2>\n    <table>\n      <thead><tr><th>Month<\/th><th>Installment<\/th><th>Interest<\/th><th>Principal<\/th><th>Balance<\/th><\/tr><\/thead>\n      <tbody id=\"aoc_tbody\"><\/tbody>\n    <\/table>\n  <\/div>\n\n  <div id=\"aoc_tests_card\" class=\"aoc-card hide\">\n    <h2>Test results<\/h2>\n    <pre id=\"aoc_testlog\" style=\"white-space:pre-wrap\"><\/pre>\n  <\/div>\n\n  <script>\n  (function(){\n    \/\/ \u2014\u2014 Utils \u2014\u2014\n    function $(id){ return document.getElementById(id); }\n    function euro(x){ try{ return new Intl.NumberFormat('es-ES',{style:'currency',currency:'EUR'}).format(x); } catch(e){ return (Number(x).toFixed(2)+' \u20ac'); } }\n    function annuity(P, i_m, n){ if(i_m===0){return P\/n;} var f=Math.pow(1+i_m,n); return P*i_m*f\/(f-1); }\n    function schedule(P, i_m, n){ var out=[], bal=P, c=annuity(P,i_m,n), k, it, am; for(k=1;k<=n;k++){ it=bal*i_m; am=c-it; bal=Math.max(0, bal-am); out.push({m:k,c:c,i:it,a:am,s:bal}); } return out; }\n    function irrMonthly(cflows){ var low=-0.99, high=1.0, mid, k, fLow=npv(low), fHigh=npv(high), fMid; if(fLow*fHigh>0){ return NaN; } for(k=0;k<120;k++){ mid=(low+high)\/2; fMid=npv(mid); if(Math.abs(fMid)<1e-7){ return mid; } if(fLow*fMid<0){ high=mid; fHigh=fMid; } else { low=mid; fLow=fMid; } } return (low+high)\/2; function npv(r){ var s=0, t; for(t=0;t<cflows.length;t++){ s += cflows[t]\/Math.pow(1+r,t); } return s; } }\n\n    \/\/ \u2014\u2014 Tax presets \u2014\u2014\n    \/\/ Valencian Community: Resale ~12% (ITP + fees); New build ~11.5% (VAT 10% + Stamp duty 1.5%).\n    \/\/ Other region doesn\u2019t auto-change \u2014 user can edit manually.\n    var manualTaxOverride = false;\n    function applyRegionPreset(){\n      var region = $('aoc_region').value;\n      var ptype  = $('aoc_property_type').value; \/\/ 'resale'|'new'\n      if(region === 'cv' && !manualTaxOverride){\n        var v = (ptype==='resale')? 12.0 : 11.5;\n        $('aoc_tax_pct').value = v.toFixed(1);\n      }\n    }\n\n    \/\/ \u2014\u2014 Elements \u2014\u2014\n    var residency=$('aoc_residency'); var ltvPctInput=$('aoc_ltv_pct'); var ltvBaseSel=$('aoc_ltv_base');\n    var rateMode=$('aoc_rate_mode'); var fixedBox=$('aoc_fixed_box'); var varBox=$('aoc_var_box');\n\n    residency.addEventListener('change', function(){\n      if(residency.value==='res'){ ltvPctInput.value=80; }\n      else if(residency.value==='nres'){ ltvPctInput.value=70; }\n    });\n\n    rateMode.addEventListener('change', function(){\n      if(rateMode.value==='variable'){ fixedBox.classList.add('hide'); varBox.classList.remove('hide'); }\n      else{ varBox.classList.add('hide'); fixedBox.classList.remove('hide'); }\n    });\n\n    $('aoc_region').addEventListener('change', function(){ manualTaxOverride=false; applyRegionPreset(); });\n    $('aoc_property_type').addEventListener('change', function(){ applyRegionPreset(); });\n    $('aoc_tax_pct').addEventListener('input', function(){ manualTaxOverride=true; });\n\n    $('aoc_toggle_table').addEventListener('click', function(e){ e.preventDefault(); $('aoc_table_card').classList.toggle('hide'); });\n    $('aoc_calc').addEventListener('click', function(e){ e.preventDefault(); compute(); });\n\n    \/\/ Initial Valencian preset\n    applyRegionPreset();\n\n    function compute(){\n      \/\/ \u2014\u2014 Inputs \u2014\u2014\n      var price = parseFloat(($('aoc_price').value||'0'));\n      var appraise = parseFloat(($('aoc_appraise').value||'0'));\n      var ltvBase = $('aoc_ltv_base').value; \/\/ 'tasacion' | 'menor'\n      var ltvPct = parseFloat(($('aoc_ltv_pct').value||'0'))\/100; \/\/ fraction\n      var P_req = parseFloat(($('aoc_loan').value||'0'));\n      var years = parseInt(($('aoc_years').value||'0'),10);\n      var n = years*12;\n\n      var openPct = parseFloat(($('aoc_open_pct').value||'0'))\/100; \/\/ fraction\n      var openMin = parseFloat(($('aoc_open_min').value||'0'));\n      var upfront = parseFloat(($('aoc_upfront').value||'0'));\n      var monthlyCost = parseFloat(($('aoc_monthly_cost').value||'0'));\n      var bonusPP = parseFloat(($('aoc_bonus_pp').value||'0'));\n      var minTin = parseFloat(($('aoc_min_tin').value||'0'));\n      var taxPct = parseFloat(($('aoc_tax_pct').value||'0'))\/100; \/\/ fraction\n\n      if(!(n>0)){ alert('Please review the term (years).'); return; }\n\n      \/\/ \u2014\u2014 LTV base value \u2014\u2014\n      var baseVal = 0;\n      if(ltvBase==='tasacion'){\n        baseVal = appraise>0? appraise : price;\n      } else {\n        if(price>0 && appraise>0){ baseVal = Math.min(price, appraise); }\n        else { baseVal = (price||0) + (appraise||0); if(baseVal>0){ baseVal = (price>0?price:appraise); } }\n      }\n\n      \/\/ \u2014\u2014 LTV max loan \u2014\u2014\n      var maxLoan = baseVal * ltvPct;\n      var warning = '';\n      if(P_req>maxLoan && maxLoan>0){ warning = 'Requested loan exceeds LTV maximum. Using maximum instead ('+euro(maxLoan)+').'; }\n      $('aoc_ltv_warn').style.display = warning? 'block':'none';\n      $('aoc_ltv_warn').innerHTML = warning;\n\n      var P = (maxLoan>0)? Math.min(P_req, maxLoan) : P_req; \/\/ effective loan for calculations\n      if(!(P>0)){ alert('Enter a valid loan amount.'); return; }\n\n      \/\/ \u2014\u2014 Effective nominal rate \u2014\u2014\n      var baseTin;\n      if(rateMode.value==='variable'){\n        var eur = parseFloat(($('aoc_eur').value||'0'));\n        var sp  = parseFloat(($('aoc_spread').value||'0'));\n        baseTin = eur + sp;\n      } else {\n        baseTin = parseFloat(($('aoc_tin').value||'0'));\n      }\n      var effTin = baseTin - (isNaN(bonusPP)?0:bonusPP); if(effTin<minTin){ effTin=minTin; }\n\n      \/\/ \u2014\u2014 Payment, interest, APR \u2014\u2014\n      var i_m = (effTin\/100)\/12;\n      var c = annuity(P, i_m, n);\n      var sch = schedule(P, i_m, n);\n      var interests = 0, idx; for(idx=0; idx<sch.length; idx++){ interests += sch[idx].i; }\n      var openFee = Math.max(openMin, openPct * P);\n      var cfs=[ P - openFee - upfront ]; for(idx=1; idx<=n; idx++){ cfs.push( -(c + monthlyCost) ); }\n      var r_m = irrMonthly(cfs); var tae = isNaN(r_m)? NaN : (Math.pow(1+r_m,12)-1);\n\n      \/\/ \u2014\u2014 Taxes & own funds \u2014\u2014\n      var taxes = (price>0)? price * taxPct : 0;\n      var own = (price>0)? Math.max(0, price + taxes - P) : 0;\n      var ltvUsed = (baseVal>0)? (P\/baseVal*100) : 0;\n\n      \/\/ \u2014\u2014 KPIs \u2014\u2014\n      $('aoc_kpi_cuota').innerHTML = euro(c + monthlyCost);\n      $('aoc_kpi_tae').innerHTML   = isNaN(tae)? '\u2014' : ( (tae*100).toFixed(2) + '%');\n      $('aoc_kpi_interest').innerHTML = euro(interests);\n      $('aoc_kpi_total').innerHTML = euro(P + interests + openFee + upfront + monthlyCost*n);\n\n      $('aoc_kpi_base').innerHTML = baseVal>0? euro(baseVal): '\u2014';\n      $('aoc_kpi_ltv').innerHTML = (ltvUsed>0)? ltvUsed.toFixed(1)+'%' : '\u2014';\n      $('aoc_kpi_maxloan').innerHTML = (maxLoan>0)? euro(maxLoan) : '\u2014';\n      $('aoc_kpi_usedloan').innerHTML = euro(P);\n\n      $('aoc_kpi_taxes').innerHTML = (taxes>0)? euro(taxes) : '\u2014';\n      $('aoc_kpi_own').innerHTML = (price>0)? euro(own) : '\u2014';\n\n      \/\/ \u2014\u2014 Table (first year) \u2014\u2014\n      var tb=$('aoc_tbody'); if(tb){ tb.innerHTML=''; var first=sch.slice(0,12); for(idx=0; idx<first.length; idx++){ var r=first[idx]; var tr=document.createElement('tr'); tr.innerHTML='<td>'+r.m+'<\/td><td>'+euro(r.c)+'<\/td><td>'+euro(r.i)+'<\/td><td>'+euro(r.a)+'<\/td><td>'+euro(r.s)+'<\/td>'; tb.appendChild(tr);} }\n    }\n\n    \/\/ \u2014\u2014 Quick tests \u2014\u2014\n    function logTest(arr, name, ok, extra){ arr.push((ok?'\u2705 ':'\u274c ') + name + (extra?(' \u2014 '+extra):'')); }\n    function approx(a,b,t){ return Math.abs(a-b) <= (t||0.6); }\n    $('aoc_run_tests').addEventListener('click', function(e){\n      e.preventDefault();\n      var out=[];\n      \/\/ Test 1: 100k, 3% nominal, 30y \u2248 421.60 \u20ac\/mo\n      var P=100000, im=(3\/100)\/12, n=360; var c=annuity(P,im,n); logTest(out,'Payment 100k@3%\/30y', approx(c,421.60), 'calc='+c.toFixed(2));\n      \/\/ Test 2: 0% interest \u2192 payment = principal\/n\n      var c2=annuity(12000,0,12); logTest(out,'Payment 12k@0%\/12m', c2===1000, 'calc='+c2.toFixed(2));\n      \/\/ Test 3: IRR \u2248 i_m with 421.60 payments\n      var cfs=[P]; var k; for(k=1;k<=n;k++){ cfs.push(-421.60); } var irr=irrMonthly(cfs); logTest(out,'Monthly IRR \u2248 i_m', Math.abs(irr-im)<1e-3, 'irr='+(irr*100).toFixed(3)+'%');\n      \/\/ Test 4: Valencian preset (resale) \u2192 12.0%\n      document.getElementById('aoc_region').value='cv'; document.getElementById('aoc_property_type').value='resale'; manualTaxOverride=false; applyRegionPreset();\n      var tcv = document.getElementById('aoc_tax_pct').value; logTest(out,'CV preset resale', tcv==='12.0' || tcv==='12', 'tax='+tcv);\n      \/\/ Test 5: Valencian preset (new build) \u2192 11.5%\n      document.getElementById('aoc_property_type').value='new'; manualTaxOverride=false; applyRegionPreset();\n      var tcvn = document.getElementById('aoc_tax_pct').value; logTest(out,'CV preset new build', tcvn==='11.5', 'tax='+tcvn);\n      \/\/ Test 6: \u20ac format\n      var f=euro(1234.56); logTest(out,'Currency format', f.indexOf('\u20ac')>-1 || \/\\d\/.test(f), f);\n      document.getElementById('aoc_tests_card').classList.remove('hide');\n      document.getElementById('aoc_testlog').textContent = out.join('\\n');\n    });\n\n  })();\n  <\/script>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-2ef88ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ef88ae\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d98ce76\" data-id=\"d98ce76\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ebeea6 elementor-widget elementor-widget-heading\" data-id=\"1ebeea6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who benefits the most\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-ec53cc9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ec53cc9\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0218da4\" data-id=\"0218da4\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-124b3b1 elementor-widget elementor-widget-text-editor\" data-id=\"124b3b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We think this calculator is very useful if you want to know what you are going to pay of mortgage in Spain and gives you tools and knowledge to negotiate with the bank.<\/p><p>And besides, it&#8217;s free<\/p><ul><li data-start=\"21955\" data-end=\"22048\"><p data-start=\"21957\" data-end=\"22048\"><strong data-start=\"21957\" data-end=\"21988\">Residents and non-residents<\/strong> buying in <strong data-start=\"21999\" data-end=\"22028\">Orihuela Costa (Alicante)<\/strong> and the province.<\/p><\/li><li data-start=\"22049\" data-end=\"22133\"><p data-start=\"22051\" data-end=\"22133\"><strong data-start=\"22051\" data-end=\"22075\">International buyers<\/strong> (we serve clients in <strong data-start=\"22097\" data-end=\"22129\">Spanish, English, and French<\/strong>).<\/p><\/li><li data-start=\"22134\" data-end=\"22227\"><p data-start=\"22136\" data-end=\"22227\"><strong data-start=\"22136\" data-end=\"22167\">Self-employed and companies<\/strong> comparing offers with solid <strong data-start=\"22196\" data-end=\"22217\">financial and tax<\/strong> criteria.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-ef43573 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ef43573\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0f694f\" data-id=\"b0f694f\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fc8796f elementor-widget elementor-widget-heading\" data-id=\"fc8796f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4cd89ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4cd89ae\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f55cb4a\" data-id=\"f55cb4a\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0b1fcf elementor-widget elementor-widget-text-editor\" data-id=\"f0b1fcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"22243\" data-end=\"22432\"><strong data-start=\"22243\" data-end=\"22259\">What is LTV?<\/strong><br data-start=\"22259\" data-end=\"22262\" \/><strong data-start=\"22262\" data-end=\"22285\">Loan-to-Value (LTV)<\/strong> is the loan amount divided by the reference value (appraisal or the <strong data-start=\"22354\" data-end=\"22386\">lower of price and appraisal<\/strong>, per bank policy), expressed as a percentage.<\/p><p data-start=\"22434\" data-end=\"22567\"><strong data-start=\"22434\" data-end=\"22466\">How much will the bank lend?<\/strong><br data-start=\"22466\" data-end=\"22469\" \/>Typically up to <strong data-start=\"22485\" data-end=\"22506\">80% for residents<\/strong> and up to <strong data-start=\"22517\" data-end=\"22542\">70% for non-residents<\/strong>. You can set a custom %.<\/p><p data-start=\"22569\" data-end=\"22736\"><strong data-start=\"22569\" data-end=\"22601\">Are purchase taxes included?<\/strong><br data-start=\"22601\" data-end=\"22604\" \/>Yes. The calculator has <strong data-start=\"22628\" data-end=\"22649\">Valencian presets<\/strong> (resale ~12%; new build ~11.5%). You can <strong data-start=\"22691\" data-end=\"22699\">edit<\/strong> the percentage for any other region.<\/p><p data-start=\"22738\" data-end=\"22893\"><strong data-start=\"22738\" data-end=\"22771\">Which payment method is used?<\/strong><br data-start=\"22771\" data-end=\"22774\" \/>The <strong data-start=\"22778\" data-end=\"22795\">French method<\/strong> (constant installment). APR is approximated via <strong data-start=\"22844\" data-end=\"22859\">monthly IRR<\/strong> including fees and product costs.<\/p><p data-start=\"22895\" data-end=\"23036\"><strong data-start=\"22895\" data-end=\"22923\">Is this a binding offer?<\/strong><br data-start=\"22923\" data-end=\"22926\" \/>No. It\u2019s an <strong data-start=\"22938\" data-end=\"22964\">informative simulation<\/strong>. Final terms depend on the bank\u2019s risk assessment and current policies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c469cc0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c469cc0\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c64ed33\" data-id=\"c64ed33\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-996fa7d elementor-widget elementor-widget-heading\" data-id=\"996fa7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Need a tailored mortgage study?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-01b79e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"01b79e9\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e6f02ce\" data-id=\"e6f02ce\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2245ca3 elementor-widget elementor-widget-text-editor\" data-id=\"2245ca3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Orihuela Costa Counselling we recommend the expert in mortgage credit and loans Karine of the company <a href=\"https:\/\/vivahomecredit.com\/?ved=2ahUKEwiK5KyNmc6NAxUBTaQEHUPxHPcQgU96BAguEA0\" target=\"_blank\" rel=\"noopener\">Viva Home Credit<\/a><\/p><p>It will prepare a comparative report (several entities), optimising APR and total cost with or without bonuses, and we coordinate the taxation of the operation (residents and non-residents).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-3af89e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3af89e6\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b54a706\" data-id=\"b54a706\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap\">\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b1534a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1534a2\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b2732c\" data-id=\"6b2732c\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba5a262 elementor-widget elementor-widget-heading\" data-id=\"ba5a262\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Warning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-207b6d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"207b6d4\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0d694c\" data-id=\"b0d694c\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eebac3d elementor-widget elementor-widget-text-editor\" data-id=\"eebac3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.asesoriaorihuelacosta.com\/en\/\" target=\"_blank\" rel=\"noopener\">Asesoria Orihuela Costa<\/a> is not a financial advice agency, but yes, we provide you with this tool that we have is very complete to calculate and compare the mortgages of your house.<\/p><p>The tax presets are indicative. Always check with current regulations and the offer of the bank\/notary.<\/p><p>This tool is only informative. Check the figures with your entity before hiring.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Buying in Spain and need a clear view of what you\u2019ll really pay\u2014and how much cash you must bring? Our LITE Mortgage Calculator (Elementor-compatible) estimates your monthly payment, APR (TAE), total interest and total loan cost, and also computes your maximum loan by LTV (80% residents \u00b7 70% non-residents, editable), purchase taxes and the own [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":46314,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","inline_featured_image":false,"footnotes":""},"categories":[45],"tags":[],"class_list":["post-46335","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"featured_image_src":{"landsacpe":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/10\/calculadora-hipoteca-1140x445.webp",1140,445,true],"list":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/10\/calculadora-hipoteca-463x348.webp",463,348,true],"medium":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/10\/calculadora-hipoteca-300x169.webp",300,169,true],"full":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/10\/calculadora-hipoteca.webp",1920,1080,false]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Spain Mortgage Calculator: APR, LTV &amp; Own Funds - Asesor\u00eda Orihuela Costa<\/title>\n<meta name=\"description\" content=\"Estimate monthly payment, APR and total cost. 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