Как мы взяли ипотеку и купили квартиру в Испании: ставка 2,25% для иностранцев – реальный опыт

🇪🇸 Contact us on Telegram with questions about obtaining a Spanish residence permit: https://t.me/relohub_spain 🇪🇸 Also subscribe to our Telegram channel about Spain and obtaining a residence permit: https://t.me/relohub_dn You can download the checklist of requirements for becoming a Spanish Digital Nomad for free on our website: https://relohub.ru In this video, we share some big and exciting news – we bought our own apartment in Barcelona! 🏠 Obtaining a mortgage in Spain for foreigners (especially for self-employed entrepreneurs) seems complicated, but our example shows that it is absolutely possible. We'll go over our journey in detail: from selling our apartment in St. Petersburg and transferring funds to Europe to the final signing of the transaction with a notary. We'll tell you how we got a 2.25% rate and why our mortgage payment was 30% cheaper than renting. In this issue: ✅ Personal Story: Why we chose Barcelona and how we decided to buy after renting for three years. ✅ Preparation: How to create a proper tax history in Spain and meet "that special" bank manager. ✅ Home Search: How not to miss out on the perfect property (our experience with a 1% reserve) and what to look for during viewings in Eixample. ✅ Mortgage Terms: What documents are needed independently, how insurance affects the rate, and what a 14-day "cooling-off period" is. ✅ Life Hacks: How to save on taxes (benefits up to age 36) and why you need a bank alarm. Buying a home isn't just a joy, it's also a responsibility. Now we're looking forward to renovations and remodeling, which we plan to talk about too! Timestamps: 00:00 — We bought an apartment! 01:45 — Why a mortgage is better than renting in Barcelona. 03:00 — Down payment: how much you need. 07:00 — Experience with banks: why Santander refused, but Caixa approved. 11:00 — How we "stolen" our first apartment and why speed is important. 15:50 — 2.25% interest rate: additional bank products and terms. 18:40 — The transaction process: home appraisal (tasación) and notary. 21:10 — Key recommendations for those looking for a mortgage in Spain. 30:40 — Our renovation plans. 💬 Comment below: Would you be interested in seeing reviews of the apartments we've viewed and following our renovation progress? Subscribe to the "Emma Nikita Barcelona" channel so you don't miss new episodes about our life in Spain! 🇪🇸 And write to us on Telegram with questions about obtaining, extending, or modifying your Spanish residence permit: https://t.me/relohub_spain