Financial Guide

Financing your property in Marbella is easier with the expert help of Grupo Dvos

Marbella, with its breathtaking landscapes, glamorous lifestyle, and Mediterranean charm, has emerged as a sought-after destination for holidays, residence, and investments. Its delightful Mediterranean climate, offering year-round sunshine and mild winters, makes Marbella the premier location.

When purchasing a property, being well-informed is crucial. For many buyers, a property in Marbella serves as a second home abroad, a foreign land with its unique set of rules and processes. To provide insights into the possibilities of buying a property in Marbella, we have prepared a buyer’s guide.

We hope this guide will address your primary questions as a prospective buyer. Should you have any inquiries, please do not hesitate to reach out to us!



When it comes to financing a property in Spain, you will encounter differences in how it operates compared to what you are accustomed to.

As a resident, you can access competitive mortgage loans from Spanish banks, while non-residents can also find financing solutions. Almost anyone in Spain, apart from Spanish residents, can qualify for Spanish funding. In this section, we will provide a brief overview of the available options.

At GRUPO DVOS, we will assist you in exploring the most suitable option for your needs, ensuring a seamless transaction in Spain’s dynamic property market. Let’s make informed decisions together to secure your ideal property investment in this vibrant country.



In Spain, unlike many other countries, it is not possible to extract excess value from homes. This underscores the importance of aligning your property purchase in Spain with your individual vision and financing requirements. If you are contemplating financing your property with a mortgage, it is crucial to consider this aspect before making a purchase.

Basic Relationship Chart Between Loan Amount and Minimum Net Annual Incomes (Note: This may vary based on age and repayment obligations):

Loan Amount Minimum Net Yearly Incomes (After Taxes and Social Retentions)

250.000€ 40.500€

500.000€ 80.650€

750.000€ 121.000€

1.000.000€ 161.270€

need help to finance your property? let Grupo Dvos guide you.

Buying a property in Marbella, like anywhere else, requires preparation and understanding of local regulations and market dynamics.

Grupo DVOS will ensure a smooth transaction and help you get the best value from your sale! If you are considering selling your property, do not hesitate to contact us without any further obligation!