CLAVES PARA COMPRAR CASA EN ESPAÑA CON HIPOTECA CON HOUSE TOUR

Would you like to know how to get a mortgage in Spain in 2025, whether you're a foreigner or self-employed? In this video, we share our real-life experience, from the moment we decided to buy a house to how we managed to get a 110% mortgage, something few banks are willing to offer. We took a complete tour of our home in Spain 🏡 and then sat down with Javier, a financial expert and mortgage broker, to explain step-by-step how the mortgage application process works. We discussed the most common mistakes, what to do if you're self-employed, how much you need to save, and the best mortgage type in 2025: fixed, variable, or mixed. In addition, you'll discover what happens when a newcomer to Spain wants to buy a home, how the debt ratio works, the legal requirements, and why you shouldn't go to a real estate agency first if you don't know your debt capacity. 📌 In this chapter, you'll learn: How to start the mortgage process if you're a foreigner What to do if you don't have all the necessary savings Why hiring a broker can save you thousands of euros What documents you need and how to prepare your self-employment tax return And above all, how to plan your path to homeownership . MIGRAR O MORIR, a book that tells stories that could be yours, is now available: https://amzn.to/3InqQS4 . 00:00 House Tour and Welcome 01:15 Entrance and First Bathroom 02:00 Kitchen and Daily Life 03:18 Living and Dining Room 04:32 Up to the First Floor 04:58 Martina's Room 05:43 Grandparents' Room 06:32 Master Bedroom and Dressing Room 08:07 Up to the Attic 08:40 Family Room and Storage Room 09:49 Kid's Room and Study Space 11:40 Barbecue and Outdoor Space 13:38 The Mortgage Chat Begins 14:35 Who is Javier, the broker? 18:34 The Hardest Part of the Process 20:31 How We Got a 110% Mortgage 22:23 The Value of Financial Planning 25:14 Common Mistakes for Self-Employed People 29:05 First Steps to Getting a Mortgage 31:00 How Much Should You Save Before Buying? 32:24 Can a foreigner without residency buy a mortgage? 33:47 Other key requirements 34:30 Cases where there is "mortgage magic" 35:40 Mistakes that ruin a mortgage 36:45 What are the real costs? 37:51 Interest rates and projections 39:22 Fixed, variable, or mixed? 40:39 Can the mortgage be renegotiated? 42:27 What would you do if you were starting from scratch? 44:28 Closing and invitation to contact Become a member of this channel and enjoy content before it's published and other exclusive community benefits:    / @hildemarosolis   Follow me on my social media: Instagram:   / hildemarosolis   TikTok:   / hildemarosolis   Threads: https://www.threads.com/@hildemarosolis/ This video was made possible thanks to: Tus Amigos de Viaje, a travel agency based in Madrid:   / tusamigosdeviaje   Tus Amigos en el Extranjería, immigration and foreign affairs in Spain:   / tusamigosenelexterior   Tus Amigos Protegidos, insurance policies wherever you are:   / tusamigosprotegidos   . My hats are super useful, and I'm sharing where you can buy them too: https://amzlink.to/az0HSVBc6bbuc https://amzlink.to/az0pUm9yYFZVO