Can I have a Spanish mortgage get with a bkr registration or debts?

The BKR and a mortgage application explained.

Unfortunately, Spanish banks do not accept negative BKR registration for foreigners applying for a mortgage in Spain.

The BKR knows multiple A codes:

• A1 to A5
• H code

If you have an A code registration (whatever the number) then our Spanish banks can give you unfunded.
If you have an H code (recovery notification), this may be possible by mutual agreement.

Other information

The BKR keeps a record of the past five years. If there is an entry that has already been resolved, we may be able to help you.

Do you have a registration and would like to apply for a mortgage? Then make sure your A-code entry removed before you start the application. You can do this yourself or hire a BKR help company, such as coding-free.

How do debts count?

In addition, do you have fixed debts, such as student debt, lease car, credit card debt or alimony arrangement? These are deducted from your available assets, called the DTI ratio.

What do we need for a mortgage application?

A full printout of your BKR registration in PDF. A print screen or photo of your logged-in BKR environment is not sufficient.