CuotaCasa: Mortgages

CuotaCasa helps you plan and compare mortgages in Spain.

Buying a home is one of the most important financial decisions you’ll ever make. CuotaCasa helps you plan, simulate, compare and optimize your mortgage in Spain before you go to the bank and throughout the entire life of the loan.

Calculate how much you can spend, how much you need to save and which mortgage offer fits you best. Save your simulations, compare banks and analyze the impact of making extra repayments.

WHAT CAN YOU DO WITH CUOTACASA?

SIMULATE YOUR MORTGAGE WITH REAL COSTS

Calculate your monthly payment, financed amount and interest charges.
Estimate taxes and purchase costs: transfer tax (ITP), VAT (IVA), stamp duty (AJD), notary, land registry and admin fees.
Adjust calculations according to your region, property type and purpose of the loan.
Find out exactly how much money you need to put down before buying.

DISCOVER WHICH HOME YOU CAN AFFORD

Calculate an indicative property price based on your income and savings.
Check whether your purchase is feasible before requesting offers from banks.
Take initial costs into account so you can plan your down payment more clearly.

ENTER AND ORGANIZE YOUR OFFERS

Save mortgage proposals from different lenders in one place.
Record offers for primary residence, second home or bank switch through mortgage refinancing.
Review key data for each offer: monthly payment, nominal interest rate (TIN), APR (TAE), discounts, term, interest and loan‑to‑value.

COMPARE MORTGAGES, NOT JUST MONTHLY PAYMENTS

Compare several bank offers over different horizons: 5, 10, 15 years or full term.
See monthly payment, total cost and outstanding principal.
Spot the differences between offers so you can decide with more information.
Export comparisons and reports in PDF.

SIMULATE EXTRA REPAYMENTS

Add lump‑sum repayments and calculate their impact.
Compare shortening the term, reducing the payment or using a hybrid strategy.
See the estimated interest savings and how many years of debt you can cut.
Generate a PDF report to review your scenarios.

CUOTACASA PLUS

Unlock advanced tools to analyze your financing in more detail:

Advanced comparison of up to 4 mortgages.
Investor mode to analyze the net return of a property.
Rent vs buy calculator.
PDF reports to review, share or prepare a negotiation with your bank.

PRIVACY AND CLARITY

An ad‑free experience.
Data stored locally and synchronized in encrypted form, according to your account settings.
Financial information presented in clear language to help you better understand your options.

CuotaCasa is a simulation and planning tool. The results are indicative estimates and do not constitute financial, banking or tax advice, nor a binding offer.

Download CuotaCasa and make better‑informed decisions about your mortgage.