Importance of Currency and Exchange rates when buying property in Spain
Valutakurser
Sist oppdatert den fre, 25 jul 2025
When buying a property in Spain, it is best to take out a mortgage in Euros. This ensures that both your mortgage and property are in the same currency, reducing exchange rate risks
Kommer inntekten din fra et land utenfor eurosonen?
Etter en endring i den spanske boliglånsloven i 2019 har inntektsvaluta blitt en avgjørende faktor for hvilke lånemuligheter man har i spanske banker.
Hvorfor spiller det noen rolle om inntekten min ikke er i euro?
The mortgage law introduced a new right for international clients: if your main income is in a currency other than Euros, you have the right to convert your Spanish mortgage into the currency of your income at any point in the future.
Som et resultat av denne forskriften har hver bank i Spania en liste over støttede og godkjente valutaer. Det betyr at ikke alle banker vil kunne tilby deg et boliglån hvis du har dine inntekter i en annen valuta enn euro.
We work with a wide range of banks and can quickly assess whether securing a mortgage will be possible for you.
Hva om jeg tjener penger i en valuta som iikke er støttet av spanske banker?
Noen banker kan fortsatt tilby boliglån, uavhengig av hvilken valuta du har inntekt i, dersom du kjøper boligen gjennom et spansk selskap.
På grunn av kostnadene forbundet med å etablere et spansk selskap, er dette alternativet vanligvis bare aktuelt for kjøp over et visst beløp - vanligvis over 300 000 - 400 000 euro.
Valutakurser: Hva bør man tenke på
Buying a house or flat is one of the largest financial transactions you will make. Given the amounts involved, even small fluctuations in the exchange rate can have a significant impact.
When transferring large sums of money for a deposit, property purchase, or mortgage payments, using a currency exchange company rather than a standard bank transfer can offer better rates and lower fees.
Som spesialister på å bistå internasjonale kunder har vi lang erfaring med valutavekslingsselskaper og kan gi deg veiledning som er skreddersydd dine behov.
Velg valuta
Valutakurser for Zloty siden 1999
For å få 1 €, trenger du
Nå
4,25 PLN
Fri, 25 Jul 2025
Maksimum
4,95 PLN
Mon, 7 Mar 2022
minimum
3,21 PLN
Mon, 28 Jul 2008
Valutakurser for de siste 5 årene
Dagens sluttkurser fra den europeiske sentralbanken
Er dagens kurs høy eller lav?
Når vi ser på sluttkursene hver dag fra 1999 og frem til i dag, ser vi at mesteparten av tiden (mer enn 2/3) var kursen mellom 3.89 - 4.49 Zloty for 1 €
Hvorfor låne i euro?
Grunner til å ta opp et eurolån i Spania
When taking out a mortgage on a property in Spain, it is generally best to do so in Euros—the same currency as the property's purchase price.
By financing your property in Euros, you ensure that if you later decide to sell, the proceeds from the sale will be in the same currency as your mortgage. This minimises the risk of exchange rate fluctuations reducing the amount available to repay the mortgage in full.
Vil dette fortsatt være tilfelle i fremtiden?
For når det gjelder vekslingskursen mellom kroner og Euro, er det kun én ting vi vet med sikkerhet - og det er at vekslingskursen vil endre seg over tid.
Om dine inntekter er i en annen valuta enn euro, vil beløpet du betaler på boliglånet ditt hver måned (omregnet til inntektsvalutaen din) derfor svinge.
However, these variations are usually manageable, and more importantly, your mortgage and property value will remain aligned in the same currency—helping you avoid the risk of exchange rate losses when selling the property in the future.
Eksempel
In 2011, Jane and Jim purchased a beautiful house in Spain. Instead of taking out a mortgage in Spain, they decided to re-mortgage their home in the UK to finance the purchase.
The house cost €100,000, and at the time, the exchange rate was £0.90 per €1 (or €1.11 per £1). To cover the cost, they borrowed £90,000 against their UK property
In the summer of 2015, just four years later, circumstances changed, and they decided to sell the house in Spain.
However, by this time, the exchange rate had shifted significantly to £0.70 per €1 (or €1.42 per £1). This meant that when they sold the property for €100,000 and converted the proceeds back to pounds, they only received £70,000 instead of the £90,000 they originally borrowed.
Resultatet ble at de satt igjen med et betydelig underskudd, noe som understreker risikoen ved å finansiere en eiendom i utlandet i en annen valuta.
Hvor mye egenkapital trenger du for å kjøpe ditt nye hjem i Spania?
Find out the savings required, explore mortgage options, and estimate your monthly payments. Get a clear breakdown of taxes, fees, and the best mortgage deals available
Exchange rates - things to remember
Buying a house or flat is one of the most significant financial transactions you will make. Given the high cost of property, even minor fluctuations in exchange rates can lead to substantial differences in the final amount you pay.
Få den beste vekslingskursen
Depending on where you live and the terms offered by your bank, using a currency exchange company may be more advantageous. In some cases, the difference in exchange rates can be considerable, while in others, it may be minimal.
Comparing options can help you maximise savings and avoid unnecessary costs.
Hvordan kan vi hjelpe?
We are a mortgage broker specialising in international clients.
Over the years, we have gained extensive insight into the currency exchange services available. We can provide expert advice on the most competitive exchange options tailored to your currency and country.