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Banks in Spain are able to offer up to 80% finance on the value of a property to non-residents.

This offer is always subject to valuation of the property and the financial status of the client. A valuation of the property will be undertaken by a specialized agent employed by the bank and will cost in the region of 300 Euros.

Upon receipt of the valuation and a positive assessment of the client position, the bank will be able to make a mortgage offer. On certain occasions the given value surpasses the actual sale price of the property allowing banks to offer finance above 80% of the property value, sometimes up to 100%.