{"id":18721,"date":"2026-01-09T09:17:43","date_gmt":"2026-01-09T08:17:43","guid":{"rendered":"https:\/\/firmalex.com\/?p=18721"},"modified":"2026-01-09T09:17:47","modified_gmt":"2026-01-09T08:17:47","slug":"what-is-the-maximum-price-i-can-pay-for-my-new-home","status":"publish","type":"post","link":"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/","title":{"rendered":"What is the maximum price I can pay for my new home?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote\">\n<p>The housing issue is complex in every aspect. However, one of the most difficult points is <strong>the price of the house, the expenses involved, and the financial capacity to afford it.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>For many, buying a home is difficult, and for others, making the monthly payments later becomes a <strong>challenge<\/strong>. Therefore, it&#8217;s essential to have as much information and confidence as possible before taking the step of buying a home.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/#Why_is_it_important_to_set_a_maximum_price_for_buying_a_home\" >Why is it important to set a maximum price for buying a home?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/#What_to_consider_to_know_what_kind_of_housing_you_can_afford\" >What to consider to know what kind of housing you can afford<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/#Savings_for_entry\" >Savings for entry<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/#Monthly_payment_capacity\" >Monthly payment capacity<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/#Other_factors_to_consider\" >Other factors to consider<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/#Examples_of_calculating_the_maximum_price_for_buying_your_home\" >Examples of calculating the maximum price for buying your home<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/#Tools_for_calculating_the_housing_you_can_afford\" >Tools for calculating the housing you can afford<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/#Further_information\" >Further information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/#Solve_your_doubts\" >Solve your doubts<\/a><\/li><\/ul><\/nav><\/div>\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_it_important_to_set_a_maximum_price_for_buying_a_home\"><\/span>Why is it important to set a maximum price for buying a home?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p><strong>The price of a home is one of the main factors to consider <\/strong>when making a decision.<\/p>\n\n\n\n<p>Furthermore, if you have decided to take the step, it is because <strong>you are excited about owning a home, you believe it is a good time to do so, and you have some savings.<\/strong><\/p>\n\n\n\n<p>If you see a stable future and want to take the plunge, <strong>you need to be clear about the price of the home you can afford.<\/strong> To do this, you must consider several factors that vary depending on your specific situation.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_to_consider_to_know_what_kind_of_housing_you_can_afford\"><\/span>What to consider to know what kind of housing you can afford<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>To calculate the maximum price of the home you can afford, you have to consider your <strong>savings, monthly income, debt ratio, and other factors<\/strong>.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Savings_for_entry\"><\/span>Savings for entry<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>We start from the premise that <strong>most<\/strong> <strong>people need financing <\/strong>to buy a home.<\/p>\n\n\n\n<p><strong>Banks typically finance up to 80% of the property price. Therefore, at least 20% of the price is needed for the down payment.<\/strong><\/p>\n\n\n\n<p>So, if a property has a sale price of 200,000 euros, the bank finances up to 160,000 euros and the buyer must have a minimum savings of 40,000 euros.<\/p>\n\n\n\n<p>If you do these calculations and <strong>don&#8217;t have the necessary amount for the down payment, you won&#8217;t be able to afford the property.<\/strong> Therefore, this calculation will allow you to determine the maximum price your new home can have.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monthly_payment_capacity\"><\/span>Monthly payment capacity<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>In addition to savings, you also <strong>need to be able to afford the monthly mortgage payments.<\/strong><\/p>\n\n\n\n<p><strong>The debt ratio<\/strong> recommended by all financial institutions <strong>should not exceed 30 or 35% of net income.<\/strong><\/p>\n\n\n\n<p>For example, if you earn \u20ac1,000 per month, your mortgage payment cannot exceed \u20ac300 or \u20ac350 per month. However, this can be more complex if you have other loans.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Other_factors_to_consider\"><\/span>Other factors to consider<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>In addition to achieving the above objectives, the following <strong>should be considered:<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Purchase and sale expenses.<\/strong> Keep in mind that you will also have to pay an additional 10% to 15% in expenses and taxes.<\/li>\n\n\n\n<li><strong>Job stability. <\/strong>Your employment status, seniority at the company, and sector of employment are factors that banks value.<\/li>\n\n\n\n<li><strong>Type of property.<\/strong> Financing may differ for first homes and second residences.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Examples_of_calculating_the_maximum_price_for_buying_your_home\"><\/span>Examples of calculating the maximum price for buying your home<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>To find out the maximum price your home can have, <strong>you must add 80% of the price granted by the bank, 20% savings you contribute, and 15% of expenses.<\/strong><\/p>\n\n\n\n<p>Let&#8217;s look at <strong>some examples:<\/strong><\/p>\n\n\n\n<ul>\n<li>What kind of house can I buy <strong>if I earn 2,000 euros?<\/strong><ul><li>Monthly salary: 2,000 euros.<\/li><\/ul><ul><li>Savings: 77,000 euros.<\/li><\/ul><ul><li>Age: 33 years.<\/li><\/ul><ul><li>Mortgage years: 30.<\/li><\/ul><ul><li>Mortgage amount: 190,000 euros.<\/li><\/ul>\n<ul>\n<li>Maximum housing price: 237,000 euros.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>What kind of house can I buy <strong>if I earn 3,000 euros?<\/strong><ul><li>Monthly salary: 3,000 euros.<\/li><\/ul><ul><li>Savings: 86,600 euros.<\/li><\/ul><ul><li>Age: 55 years.<\/li><\/ul><ul><li>Mortgage years: 20.<\/li><\/ul><ul><li>Mortgage amount: 216,500 euros.<\/li><\/ul>\n<ul>\n<li>Maximum housing price: 271,000 euros.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>What kind of house can I buy <strong>if I earn 4,000 euros?<\/strong><ul><li>Monthly salary: 4,000 euros.<\/li><\/ul><ul><li>Savings: 144,000 euros.<\/li><\/ul><ul><li>Age: 32 and 37 years.<\/li><\/ul><ul><li>Mortgage years: 30.<\/li><\/ul><ul><li>Mortgage amount: 360,500 euros.<\/li><\/ul>\n<ul>\n<li>Maximum housing price: 451,000 euros.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tools_for_calculating_the_housing_you_can_afford\"><\/span>Tools for calculating the housing you can afford<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Although the patterns are applicable in all situations, there are <strong>tools that can help with the calculation:<\/strong><\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.bbva.es\/personas\/experiencias\/tasacion-vivienda\/que-casa-me-puedo-permitir.html\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.bbva.es\/personas\/experiencias\/tasacion-vivienda\/que-casa-me-puedo-permitir.html<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankinter.com\/banca\/hipotecas-prestamos\/hipotecas\/decisiones-financieras-hipoteca\/que-casa-me-puedo-permitir\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.bankinter.com\/banca\/hipotecas-prestamos\/hipotecas\/decisiones-financieras-hipoteca\/que-casa-me-puedo-permitir<\/a><\/li>\n<\/ul>\n\n\n\n<p>This way, it will be easier to get the calculation right and you won&#8217;t have to spend too much time doing the math.<\/p>\n\n\n\n<p><strong>Knowing what kind of home you can afford is crucial for making the purchase with confidence.<\/strong> You should have at least 20% of the sale price saved, plus approximately 15% for closing costs. Your monthly mortgage payment cannot exceed 35% of your income, so it will largely depend on your monthly earnings.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Further_information\"><\/span>Further information<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>This article is part of our service <a href=\"https:\/\/firmalex.com\/en\/real-estate-lawyer-spain-costa-blanca-valencia-alicante-denia\/\" target=\"_blank\" rel=\"noreferrer noopener\">Real Estate Lawyer in Spain<\/a>. Visit this section where you will find all the useful information on this topic, including a complete guide on <a href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to buy a house in Spain<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Solve_your_doubts\"><\/span>Solve your doubts<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>&#x2705; Our staff speaks perfectly Spanish, Valencian, English and German with what will be able to communicate with us in your own language and thus clearly resolve your queries.<\/p>\n\n\n\n<p>&#x1f4cd; Denia \u2013 Plaza del Convento, 6 &#8211; Mezzanine floor door B<br>&#x1f4cd; Valencia \u2013 Calle Creu Roja, 1 &#8211; Block 6, Floor 1, door 10 (* only by appointment)<\/p>\n\n\n\n<p>&#x2709; Email: <a href=\"mailto:info@firmalex.com\" target=\"_blank\" rel=\"noreferrer noopener\">info@firmalex.com<\/a> <br>&#x1f4de; Tel.: <a href=\"tel:+34966421416\" target=\"_blank\" rel=\"noreferrer noopener\">+34 966 421 416<\/a> \u2013 Whatsapp: <a href=\"https:\/\/wa.me\/34622497615\" target=\"_blank\" rel=\"noreferrer noopener\">+34 622 497 615<\/a><\/p>\n\n\n\n<p>Follow us: <a href=\"https:\/\/www.facebook.com\/FIRMALEXcom\" target=\"_blank\" rel=\"noreferrer noopener\">Facebook<\/a> &#8211; <a href=\"https:\/\/www.linkedin.com\/company\/firmalexcom\/\" target=\"_blank\" rel=\"noreferrer noopener\">LinkedIn<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The housing issue is complex in every aspect. However, one of the most difficult points is the price of the house, the expenses involved, and the financial capacity to afford it. For many, buying a home is difficult, and for others, making the monthly payments later becomes a challenge. Therefore, it&#8217;s essential to have as [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":18722,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[210,246,238],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is the maximum price I can pay for my new home? - FIRMALEX<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/firmalex.com\/en\/2026\/01\/09\/what-is-the-maximum-price-i-can-pay-for-my-new-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the maximum price I can pay for my new home? - FIRMALEX\" \/>\n<meta property=\"og:description\" content=\"The housing issue is complex in every aspect. 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