How much you need to earn per month for a bank to grant a 180,000-euro mortgage

FinanceInternationalOnda CeroOct 27, 2026, 11:14 AM40 s readAI summary

The average mortgage amount on homes reached 181,285 euros in August, 7.7% more than a year earlier, according to INE. With an average initial rate of 3.08%, a 180,000-euro mortgage requires net income of 2,875 euros over 20 years, 2,460 over 25 years and 2,190 over 30 years, applying the recommendation that the payment not exceed 35% of income. The Bank of Spain notes that lenders usually do not lend more than 80% of the appraisal value.

In 40 seconds

The average mortgage amount was 181,285 euros in August, up 7.7% year on year, according to INE.
The average initial interest rate on new mortgages stood at 3.08% in August.
For 180,000 euros, required net income is 2,875 euros over 20 years, 2,460 over 25 and 2,190 over 30, with payments at 35% of income.

Read the full story at Onda Cero

IASummary generated by artificial intelligence from a story by Onda Cero. It may contain errors: the original source prevails.

hipotecas
vivienda
INE
Banco de España
tipos de interés

Comments

Be respectful. Comments reported by several people are hidden until a moderator reviews them.

You do not need an account to read, only to comment. Sign in with a code sent to your email or with your Google account. We only show the name you choose, never your email.

Keep reading

IMF backs economic rescue bill as Banco de la República calls for rigor in its review
The International Monetary Fund expressed support for the economic rescue bill submitted by Colombia's national government to Congress, calling it a significant step to address the fiscal challenges inherited by the new administration and to strengthen the country's fiscal sustainability. Banco de la República general manager Leonardo Villa asked for the bill to be studied rigorously, while the government warned of negative consequences if it is not approved. The legislative debate is set to begin in the coming weeks.
FinanceColombiaNoticias RCNNov 3AI
Parks and attractions in Colombia generated US$1.095 billion in 2024, according to IAAPA
Colombia's parks and attractions industry generated US$1.095 billion in revenue in 2024, 57% more than the US$698 million recorded in 2022, according to a study by the Global Association for the Attractions Industry (IAAPA). The country ranks sixth in sector revenue in the region. Visitors topped 11.2 million in 2024, 45.5% more than the previous year, and the offering reached 988 attractions, with museums and science centers as the largest group.
FinanceColombiaEl TiempoNov 3AI
President requests urgent congressional passage of fiscal adjustment bill
President Abelardo de la Espriella asked Congress to give urgent and insistent passage to the fiscal adjustment bill promoted by Finance Minister Miguel Gómez, citing Article 163 of the Constitution and Law 5 of 1992. The request, also signed by acting Interior Minister Iván Cancino, gives the bill full priority and convenes joint committee sessions. The initiative includes a 15% reduction in the state structure and tax adjustments that would affect the household basket.
FinanceColombiaPulzoNov 3AI
Oil edges lower after U.S. bombs Iran ahead of Election Day
Oil prices swung back and forth on Tuesday and extended losses from earlier in the week, on a day marked by U.S. bombing of Iran ahead of the elections. Major oil stocks also fell, including Chevron and ExxonMobil.
FinanceInternationalInvestor's Business DailyNov 3AI

How much you need to earn per month for a bank to grant a 180,000-euro mortgage

In 40 seconds

Comments

Keep reading

IMF backs economic rescue bill as Banco de la República calls for rigor in its review

Parks and attractions in Colombia generated US$1.095 billion in 2024, according to IAAPA

President requests urgent congressional passage of fiscal adjustment bill

Oil edges lower after U.S. bombs Iran ahead of Election Day