{"id":69471,"date":"2026-08-31T12:20:38","date_gmt":"2026-08-31T12:20:38","guid":{"rendered":"https:\/\/novushabitat.com\/?p=69471"},"modified":"2026-09-02T12:22:58","modified_gmt":"2026-09-02T12:22:58","slug":"lanamoguleikar-a-spani-fyrir-islendinga-thad-sem-thu-tharft-ad-vita","status":"publish","type":"post","link":"https:\/\/novushabitat.com\/lanamoguleikar-a-spani-fyrir-islendinga-thad-sem-thu-tharft-ad-vita\/","title":{"rendered":"L\u00e1nam\u00f6guleikar \u00e1 Sp\u00e1ni fyrir \u00cdslendinga: \u00dea\u00f0 sem \u00fe\u00fa \u00fearft a\u00f0 vita"},"content":{"rendered":"\n

Ein algengasta spurningin sem vi\u00f0 f\u00e1um fr\u00e1 \u00edslenskum vi\u00f0skiptavinum er hvort yfirh\u00f6fu\u00f0 s\u00e9 h\u00e6gt a\u00f0 f\u00e1 l\u00e1n \u00e1 Sp\u00e1ni sem erlendur r\u00edkisborgari. Svari\u00f0 er j\u00e1 \u2014 og ferli\u00f0 er einfaldara en flestir b\u00faast vi\u00f0. H\u00e9r f\u00f6rum vi\u00f0 yfir hvernig fj\u00e1rm\u00f6gnun virkar fyrir \u00cdslendinga sem vilja kaupa fasteign \u00e1 Costa Blanca, Costa C\u00e1lida e\u00f0a Tenerife.<\/p>\n\n\n\n

Geta \u00cdslendingar yfirh\u00f6fu\u00f0 fengi\u00f0 l\u00e1n \u00e1 Sp\u00e1ni?<\/h2>\n\n\n\n

J\u00e1. Sp\u00e6nskir bankar l\u00e1na reglulega til erlendra kaupenda, \u00fear \u00e1 me\u00f0al \u00cdslendinga, svo lengi sem ums\u00e6kjandi getur s\u00fdnt fram \u00e1 st\u00f6\u00f0ugar tekjur og vi\u00f0unandi grei\u00f0slus\u00f6gu. Bankinn gerir ekki greinarmun \u00e1 \u00cdslendingum og \u00f6\u00f0rum Evr\u00f3pub\u00faum \u00ed \u00feessu tilliti \u2014 ferli\u00f0 er \u00fea\u00f0 sama.<\/p>\n\n\n\n

Hversu h\u00e1tt hlutfall er h\u00e6gt a\u00f0 f\u00e1 a\u00f0 l\u00e1ni?<\/h2>\n\n\n\n

Fyrir erlenda kaupendur sem ekki eru b\u00fasettir \u00e1 Sp\u00e1ni liggur h\u00e1marksl\u00e1n venjulega \u00e1 bilinu 60-70% af matsvir\u00f0i eignarinnar \u2014 ekki kaupver\u00f0inu, heldur vir\u00f0i sem \u00f3h\u00e1\u00f0ur matsma\u00f0ur sta\u00f0festir. \u00dea\u00f0 \u00fe\u00fd\u00f0ir a\u00f0 reikna \u00fearf me\u00f0 a\u00f0 minnsta kosti 30-40% eigin framlagi, a\u00f0 vi\u00f0b\u00e6ttum kaupkostna\u00f0i (sj\u00e1 grein okkar um kaupferli\u00f0).<\/p>\n\n\n\n

Hva\u00f0 \u00fearf til a\u00f0 s\u00e6kja um?<\/h2>\n\n\n\n

Bankar bi\u00f0ja venjulega um: sta\u00f0festingu \u00e1 tekjum (launase\u00f0la e\u00f0a skattframtal s\u00ed\u00f0ustu 2-3 \u00e1ra), yfirlit yfir n\u00faverandi skuldir, afrit af vegabr\u00e9fi, og NIE-n\u00famer. Sj\u00e1lfst\u00e6tt starfandi einstaklingar \u00feurfa a\u00f0 auki a\u00f0 s\u00fdna rekstrarreikninga fyrirt\u00e6kisins. Ferli\u00f0 er papp\u00edrsvinna, ekki fl\u00f3kin hindrun \u2014 og margar fasteignas\u00f6lur, \u00fear \u00e1 me\u00f0al Novus Habitat, hj\u00e1lpa til vi\u00f0 a\u00f0 setja ums\u00f3knina saman.<\/p>\n\n\n\n

Vextir og l\u00e1nst\u00edmi<\/h2>\n\n\n\n

L\u00e1nst\u00edmi er venjulega 15-25 \u00e1r, styttri fyrir eldri ums\u00e6kjendur \u00fear sem flestir bankar mi\u00f0a vi\u00f0 a\u00f0 l\u00e1ninu s\u00e9 loki\u00f0 fyrir 75-80 \u00e1ra aldur. Vextir eru \u00fdmist fastir e\u00f0a breytilegir, og hafa \u00e1 s\u00ed\u00f0ustu \u00e1rum veri\u00f0 samkeppnish\u00e6fir vi\u00f0 \u00fea\u00f0 sem \u00feekkist annars sta\u00f0ar \u00ed Evr\u00f3pu \u2014 vert er a\u00f0 bera saman tilbo\u00f0 fr\u00e1 2-3 b\u00f6nkum \u00e1\u00f0ur en \u00e1kv\u00f6r\u00f0un er tekin.<\/p>\n\n\n\n

Er hagkv\u00e6mara a\u00f0 taka l\u00e1n \u00e1 \u00cdslandi e\u00f0a Sp\u00e1ni?<\/h2>\n\n\n\n

\u00deetta fer eftir einstaklingsbundnum a\u00f0st\u00e6\u00f0um \u2014 vaxtakj\u00f6rum \u00ed bo\u00f0i \u00e1 \u00cdslandi, gengis\u00e1h\u00e6ttu og skattalegum \u00fe\u00e1ttum. Sumir kaupendur fj\u00e1rmagna kaupin a\u00f0 hluta me\u00f0 ve\u00f0i \u00ed \u00edslenskri eign, a\u00f0rir taka l\u00e1n beint hj\u00e1 sp\u00e6nskum banka til a\u00f0 for\u00f0ast gjaldeyris\u00e1h\u00e6ttu af l\u00e1ni \u00ed annarri mynt en tekjurnar eru \u00ed. \u00dea\u00f0 borgar sig a\u00f0 f\u00e1 r\u00e1\u00f0gj\u00f6f fr\u00e1 \u00f3h\u00e1\u00f0um fj\u00e1rm\u00e1lar\u00e1\u00f0gjafa \u00e1\u00f0ur en \u00e1kv\u00f6r\u00f0un er tekin.<\/p>\n\n\n\n

R\u00e1\u00f0 fr\u00e1 Novus Habitat<\/h2>\n\n\n\n

Vi\u00f0 m\u00e6lum alltaf me\u00f0 \u00fev\u00ed a\u00f0 f\u00e1 l\u00e1nslofor\u00f0 (e\u00f0a a\u00f0 minnsta kosti \u00f3formlegt mat fr\u00e1 banka) \u00e1\u00f0ur en leitin a\u00f0 r\u00e9ttu eigninni hefst. \u00deannig veistu n\u00e1kv\u00e6mlega hva\u00f0 \u00fe\u00fa hefur \u00far a\u00f0 spila og getur sami\u00f0 af \u00f6ryggi \u00feegar r\u00e9tta eignin finnst \u2014 sem skiptir sk\u00f6pum \u00e1 vins\u00e6lum sv\u00e6\u00f0um \u00fear sem g\u00f3\u00f0ar eignir seljast hratt.<\/p>\n\n\n

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Geta \u00cdslendingar fengi\u00f0 l\u00e1n \u00e1 Sp\u00e1ni?<\/h3>\n
\n\n

J\u00e1, sp\u00e6nskir bankar l\u00e1na reglulega til erlendra kaupenda, \u00fear \u00e1 me\u00f0al \u00cdslendinga, svo lengi sem ums\u00e6kjandi getur s\u00fdnt fram \u00e1 st\u00f6\u00f0ugar tekjur og vi\u00f0unandi grei\u00f0slus\u00f6gu \u2014 ferli\u00f0 er \u00fea\u00f0 sama og fyrir a\u00f0ra Evr\u00f3pub\u00faa.<\/p>\n\n<\/div>\n<\/div>\n

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Hversu h\u00e1tt hlutfall er h\u00e6gt a\u00f0 f\u00e1 a\u00f0 l\u00e1ni?<\/h3>\n
\n\n

Fyrir erlenda kaupendur sem ekki eru b\u00fasettir \u00e1 Sp\u00e1ni liggur h\u00e1marksl\u00e1n venjulega \u00e1 bilinu 60-70% af matsvir\u00f0i eignarinnar \u2014 ekki kaupver\u00f0inu, heldur vir\u00f0i sem \u00f3h\u00e1\u00f0ur matsma\u00f0ur sta\u00f0festir \u2014 svo reikna \u00fearf me\u00f0 a\u00f0 minnsta kosti 30-40% eigin framlagi, a\u00f0 vi\u00f0b\u00e6ttum kaupkostna\u00f0i.<\/p>\n\n<\/div>\n<\/div>\n

\n

Hva\u00f0 \u00fearf til a\u00f0 s\u00e6kja um l\u00e1n?<\/h3>\n
\n\n

Bankar bi\u00f0ja venjulega um sta\u00f0festingu \u00e1 tekjum (launase\u00f0la e\u00f0a skattframtal s\u00ed\u00f0ustu 2-3 \u00e1ra), yfirlit yfir n\u00faverandi skuldir, afrit af vegabr\u00e9fi og NIE-n\u00famer. Sj\u00e1lfst\u00e6tt starfandi einstaklingar \u00feurfa a\u00f0 auki a\u00f0 s\u00fdna rekstrarreikninga fyrirt\u00e6kisins.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Ein algengasta spurningin sem vi\u00f0 f\u00e1um fr\u00e1 \u00edslenskum vi\u00f0skiptavinum er hvort yfirh\u00f6fu\u00f0 s\u00e9 h\u00e6gt a\u00f0 f\u00e1 l\u00e1n \u00e1 Sp\u00e1ni sem erlendur r\u00edkisborgari. Svari\u00f0 er j\u00e1 \u2014 og ferli\u00f0 er einfaldara en flestir b\u00faast vi\u00f0. H\u00e9r f\u00f6rum vi\u00f0 yfir hvernig fj\u00e1rm\u00f6gnun virkar fyrir \u00cdslendinga sem vilja kaupa fasteign \u00e1 Costa Blanca, Costa C\u00e1lida e\u00f0a Tenerife. Geta […]<\/p>\n","protected":false},"author":1,"featured_media":524,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[103],"tags":[],"class_list":["post-69471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyingguides"],"acf":[],"_links":{"self":[{"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/posts\/69471","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/comments?post=69471"}],"version-history":[{"count":2,"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/posts\/69471\/revisions"}],"predecessor-version":[{"id":69596,"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/posts\/69471\/revisions\/69596"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/media\/524"}],"wp:attachment":[{"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/media?parent=69471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/categories?post=69471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/novushabitat.com\/wp-json\/wp\/v2\/tags?post=69471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}