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Can I apply for a mortgage to buy a house in Ciudad Quesada if I am not Spanish?

22 May 2025
Can I apply for a mortgage to buy a house in Ciudad Quesada if I am not Spanish?

The answer is yes, you can apply for a mortgage in Spain to buy a house in Ciudad Quesada as a non-resident foreigner. Spanish banks offer financial products designed for non-residents who want to purchase property in the country. The general requirements to apply for a mortgage as a non-resident are:

  • Foreigner Identification Number (NIE): It is mandatory for any fiscal or legal procedure in Spain.
  • Bank account in Spain: Facilitates payment management and mortgage direct debit.
  • Financial documentation: Includes passport, work contract, last three payslips, tax return, and bank statements.
  • Property appraisal: The bank will carry out a valuation to determine the property’s value.
  • Financing percentage: Generally, banks finance up to 60-70% of the property value.

That said, we recommend having advice from professionals in the real estate and financial sectors to facilitate the process.

 

5 advantages of buying a house in Ciudad Quesada as a foreigner

Buying a house in Ciudad Quesada as a foreigner offers many advantages. Ciudad Quesada has become a true paradise for those looking to buy a home on the Costa Blanca. Its peaceful atmosphere, views of the salt flats or La Marquesa Golf, and proximity to the beaches of Guardamar del Segura make this place a perfect choice both for living and investing.

  1. Mediterranean climate: More than 300 days of sunshine per year.
  2. Modern infrastructure: Services such as health centers, schools, and shopping centers.
  3. International community: Highly sought-after area by Europeans of various nationalities.
  4. Accessibility: 30 minutes from Alicante Airport.
  5. Great potential for appreciation and rental income if you decide to rent out.

Additionally, many Spanish banks are used to working with international buyers, so the mortgage process is fast and straightforward. The most important thing is to have good professional guidance that supports you from the first contact to signing before a notary. If you dream of a life under the Mediterranean sun, buying property in Ciudad Quesada is an ideal option.

How do we help you buy a house in Ciudad Quesada?

At Villas Blanca, we are experts in facilitating home purchases for international clients. We know that the process of buying a house in Ciudad Quesada may seem complex at first, but with our help, everything is easier, safer, and more transparent. We have a multilingual team that will guide you throughout the entire journey: from choosing your home to signing the mortgage. Furthermore, we collaborate with trusted financial advisors and banking institutions, allowing us to offer mortgage options tailored to your personal situation. Some advantages of buying with us are:

  • Specialized legal and financial advice for foreigners.
  • Full support throughout the buying process.
  • Management of NIE, bank account opening, and mortgage application.
  • Wide catalog of properties in Ciudad Quesada.

If you are thinking about buying a house and need a mortgage, you are not alone. At Villas Blanca, we give you the confidence and support necessary to fulfill your dream of living in Spain. Contact us to buy a house in Ciudad Quesada!

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