{"id":270,"date":"2026-05-25T13:11:01","date_gmt":"2026-05-25T11:11:01","guid":{"rendered":"https:\/\/altavistafinance.com\/faq\/"},"modified":"2026-09-09T12:44:17","modified_gmt":"2026-09-09T10:44:17","slug":"faq","status":"publish","type":"page","link":"https:\/\/altavistafinance.com\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"270\" class=\"elementor elementor-270 elementor-30\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15b143a e-con-full faq-hero-container e-flex e-con e-parent\" data-id=\"15b143a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0556d87 e-grid faq-hero-grid e-con-boxed e-con e-child\" data-id=\"0556d87\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53f4716 faq-hero-sello elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"53f4716\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"152\" height=\"152\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/faq-hero-sello.svg\" class=\"attachment-large size-large wp-image-3276\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01cd518 home-banner-big-title elementor-widget elementor-widget-heading\" data-id=\"01cd518\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c89ef1d elementor-widget elementor-widget-heading\" data-id=\"c89ef1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ASKED QUESTIONS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1c196e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c1c196e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Answers to common questions about mortgages for non-residents, Lombard loans, corporate financing, and the credit intermediation process in Spain.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f918940 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f918940\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT US<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35a0744 e-con-full contacta-nosotros-letter-light e-flex e-con e-parent\" data-id=\"35a0744\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42b6c47 elementor-widget elementor-widget-template\" data-id=\"42b6c47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"755\" class=\"elementor elementor-755 elementor-736 elementor-736\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41ff723f home-entidades-container e-flex e-con-boxed e-con e-parent\" data-id=\"41ff723f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5be7f933 elementor-widget elementor-widget-image\" data-id=\"5be7f933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"181\" height=\"39\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Logo_Banco_de_Espana.svg-1.svg\" class=\"attachment-large size-large wp-image-248\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19665259 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"19665259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43b256ec elementor-widget elementor-widget-heading\" data-id=\"43b256ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">50+ financial institutions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771025a6 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"771025a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7429222a elementor-widget elementor-widget-image\" data-id=\"7429222a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"168\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Trustpilot-4-7-1.png\" class=\"attachment-large size-large wp-image-250\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-266276a home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"266276a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfec09a elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"dfec09a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ABOUT ALTAVISTA FINANCE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d095c3 acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"5d095c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9750\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9750\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is Altavista Finance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9750\" class=\"elementor-element elementor-element-06d68af e-con-full e-flex e-con e-child\" data-id=\"06d68af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9750\" class=\"elementor-element elementor-element-b07279d e-con-full e-flex e-con e-child\" data-id=\"b07279d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d7e559 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7d7e559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Altavista Finance is a boutique real estate finance advisory firm based in Madrid. We act as a real estate credit intermediary authorized by the Bank of Spain (license E192), connecting our clients with the best mortgage terms available in the Spanish market through more than 50 financial institutions. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9751\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9751\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How is Altavista Finance different from a bank? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9751\" class=\"elementor-element elementor-element-d78beff e-con-full e-flex e-con e-child\" data-id=\"d78beff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9751\" class=\"elementor-element elementor-element-4bcb96d e-con-full e-flex e-con e-child\" data-id=\"4bcb96d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4832ac6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4832ac6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A bank can only offer its own products. Altavista Finance simultaneously compares offers from more than 50 financial institutions to identify the solution that best fits each client profile and transaction. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9752\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9752\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does the Altavista Finance service cost? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9752\" class=\"elementor-element elementor-element-4c25d55 e-con-full e-flex e-con e-child\" data-id=\"4c25d55\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9752\" class=\"elementor-element elementor-element-0f1e33f e-con-full e-flex e-con e-child\" data-id=\"0f1e33f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67af4f3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"67af4f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tAltavista Finance operates on a success-fee model: fees are only payable if financing is successfully obtained. The applicable fees are agreed in advance with complete transparency. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9753\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9753\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is Altavista Finance officially authorized? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9753\" class=\"elementor-element elementor-element-518eb89 e-con-full e-flex e-con e-child\" data-id=\"518eb89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9753\" class=\"elementor-element elementor-element-a0b443a e-con-full e-flex e-con e-child\" data-id=\"a0b443a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4db7560 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4db7560\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. Altavista Finance is registered with the Bank of Spain as a real estate credit intermediary under license number E192. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9754\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9754\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How many financial institutions does Altavista Finance work with? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9754\" class=\"elementor-element elementor-element-6982fb7 e-con-full e-flex e-con e-child\" data-id=\"6982fb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9754\" class=\"elementor-element elementor-element-3916df0 e-con-full e-flex e-con e-child\" data-id=\"3916df0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f7e02aa elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f7e02aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Altavista Finance works with more than 50 financial institutions, including national commercial banks, international banks with a presence in Spain, private banks, and alternative lenders.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9755\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9755\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is Altavista Finance independent? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9755\" class=\"elementor-element elementor-element-e493627 e-con-full e-flex e-con e-child\" data-id=\"e493627\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9755\" class=\"elementor-element elementor-element-dd3ba06 e-con-full e-flex e-con e-child\" data-id=\"dd3ba06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-955f5b7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"955f5b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. Altavista Finance is not part of any banking group and does not have exclusive agreements with any financial institution. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is Altavista Finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Altavista Finance is a boutique real estate finance advisory firm based in Madrid. We act as a real estate credit intermediary authorized by the Bank of Spain (license E192), connecting our clients with the best mortgage terms available in the Spanish market through more than 50 financial institutions.\"}},{\"@type\":\"Question\",\"name\":\"How is Altavista Finance different from a bank?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A bank can only offer its own products. Altavista Finance simultaneously compares offers from more than 50 financial institutions to identify the solution that best fits each client profile and transaction.\"}},{\"@type\":\"Question\",\"name\":\"How much does the Altavista Finance service cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Altavista Finance operates on a success-fee model: fees are only payable if financing is successfully obtained. The applicable fees are agreed in advance with complete transparency.\"}},{\"@type\":\"Question\",\"name\":\"Is Altavista Finance officially authorized?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Altavista Finance is registered with the Bank of Spain as a real estate credit intermediary under license number E192.\"}},{\"@type\":\"Question\",\"name\":\"How many financial institutions does Altavista Finance work with?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Altavista Finance works with more than 50 financial institutions, including national commercial banks, international banks with a presence in Spain, private banks, and alternative lenders.\"}},{\"@type\":\"Question\",\"name\":\"Is Altavista Finance independent?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Altavista Finance is not part of any banking group and does not have exclusive agreements with any financial institution.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b5ec91 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"0b5ec91\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4bd772 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"c4bd772\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MORTGAGES FOR NON-RESIDENTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-425b89b acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"425b89b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6950\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-6950\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I get a mortgage in Spain if I am not a resident? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6950\" class=\"elementor-element elementor-element-6a0cbd2 e-con-full e-flex e-con e-child\" data-id=\"6a0cbd2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6950\" class=\"elementor-element elementor-element-0084d2f e-con-full e-flex e-con e-child\" data-id=\"0084d2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-994971f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"994971f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. Non-residents can access mortgage financing in Spain. Altavista Finance specializes in this segment and handles transactions for clients from more than 15 nationalities.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6951\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6951\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What percentage of financing can I obtain as a non-resident? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6951\" class=\"elementor-element elementor-element-222a74b e-con-full e-flex e-con e-child\" data-id=\"222a74b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6951\" class=\"elementor-element elementor-element-af2cd0e e-con-full e-flex e-con e-child\" data-id=\"af2cd0e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c12dd15 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c12dd15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe typical LTV for international buyers ranges between 60% and 75% of the appraised value or purchase price (whichever is lower).\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6952\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6952\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What interest rates are offered to non-residents? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6952\" class=\"elementor-element elementor-element-96f312f e-con-full e-flex e-con e-child\" data-id=\"96f312f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6952\" class=\"elementor-element elementor-element-3f70054 e-con-full e-flex e-con e-child\" data-id=\"3f70054\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f7cfc9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5f7cfc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tInterest rates currently range between 2% and 5%, depending on the borrower\u2019s profile, the lender, and the type of mortgage (fixed, variable, or mixed).\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6953\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6953\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long does the mortgage process take for a non-resident? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6953\" class=\"elementor-element elementor-element-dd9258d e-con-full e-flex e-con e-child\" data-id=\"dd9258d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6953\" class=\"elementor-element elementor-element-79e3588 e-con-full e-flex e-con e-child\" data-id=\"79e3588\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cea3ae elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6cea3ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe full process takes between 8 and 12 weeks.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6954\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6954\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need an NIE to apply for a mortgage in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6954\" class=\"elementor-element elementor-element-4ce68bf e-con-full e-flex e-con e-child\" data-id=\"4ce68bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6954\" class=\"elementor-element elementor-element-9fe937f e-con-full e-flex e-con e-child\" data-id=\"9fe937f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46d62b8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"46d62b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes, an NIE is essential for any real estate transaction in Spain. However, you can start the mortgage process while your NIE application is being processed. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6955\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6955\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do you offer mortgage pre-approval? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6955\" class=\"elementor-element elementor-element-4ef6307 e-con-full e-flex e-con e-child\" data-id=\"4ef6307\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6955\" class=\"elementor-element elementor-element-309fb21 e-con-full e-flex e-con e-child\" data-id=\"309fb21\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0508d6d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0508d6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. AVF can assess your profile and obtain an indicative pre-appro Pre-approvals are available nationwide.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6956\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6956\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens if a bank rejects my application? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6956\" class=\"elementor-element elementor-element-df7dc22 e-con-full e-flex e-con e-child\" data-id=\"df7dc22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6956\" class=\"elementor-element elementor-element-2a1aea4 e-con-full e-flex e-con e-child\" data-id=\"2a1aea4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d3035 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c0d3035\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tA rejection by one lender does not mean that you cannot obtain financing. Each lender has different criteria. AVF can redirect the application to the lenders that best match your profile.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can I get a mortgage in Spain if I am not a resident?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Non-residents can access mortgage financing in Spain. Altavista Finance specializes in this segment and handles transactions for clients from more than 15 nationalities.\"}},{\"@type\":\"Question\",\"name\":\"What percentage of financing can I obtain as a non-resident?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The typical LTV for international buyers ranges between 60% and 75% of the appraised value or purchase price (whichever is lower).\"}},{\"@type\":\"Question\",\"name\":\"What interest rates are offered to non-residents?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Interest rates currently range between 2% and 5%, depending on the borrower\\u2019s profile, the lender, and the type of mortgage (fixed, variable, or mixed).\"}},{\"@type\":\"Question\",\"name\":\"How long does the mortgage process take for a non-resident?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The full process takes between 8 and 12 weeks.\"}},{\"@type\":\"Question\",\"name\":\"Do I need an NIE to apply for a mortgage in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, an NIE is essential for any real estate transaction in Spain. However, you can start the mortgage process while your NIE application is being processed.\"}},{\"@type\":\"Question\",\"name\":\"Do you offer mortgage pre-approval?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. AVF can assess your profile and obtain an indicative pre-appro Pre-approvals are available nationwide.\"}},{\"@type\":\"Question\",\"name\":\"What happens if a bank rejects my application?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A rejection by one lender does not mean that you cannot obtain financing. Each lender has different criteria. AVF can redirect the application to the lenders that best match your profile.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f3ad93 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"3f3ad93\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a5cd61 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"8a5cd61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MORTGAGES FOR RESIDENTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7c067f acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"f7c067f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2590\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2590\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I get a mortgage in Spain if I am self-employed? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2590\" class=\"elementor-element elementor-element-56de00f e-con-full e-flex e-con e-child\" data-id=\"56de00f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2590\" class=\"elementor-element elementor-element-425357a e-con-full e-flex e-con e-child\" data-id=\"425357a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be6309e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"be6309e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. Being self-employed does not prevent you from obtaining mortgage financing, but income is assessed differently than for an employed borrower. AVF knows which lenders have the most favorable criteria for self-employed applicants.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2591\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2591\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens if I have irregular income or income from multiple sources? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2591\" class=\"elementor-element elementor-element-2e9a302 e-con-full e-flex e-con e-child\" data-id=\"2e9a302\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2591\" class=\"elementor-element elementor-element-8c98eb0 e-con-full e-flex e-con e-child\" data-id=\"8c98eb0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60111cd elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"60111cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tProfiles with complex income structures require a specialized approach. AVF analyzes the full income structure and selects the lenders that assess it most favorably. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2592\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2592\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I finance a second home as a resident? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2592\" class=\"elementor-element elementor-element-32c6d5a e-con-full e-flex e-con e-child\" data-id=\"32c6d5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2592\" class=\"elementor-element elementor-element-3fcc028 e-con-full e-flex e-con e-child\" data-id=\"3fcc028\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e626fb7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e626fb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. Spanish banks finance second homes with a typical LTV of 70% to 80%. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2593\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2593\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is there an age limit for applying for a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2593\" class=\"elementor-element elementor-element-4805283 e-con-full e-flex e-con e-child\" data-id=\"4805283\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2593\" class=\"elementor-element elementor-element-9943c21 e-con-full e-flex e-con e-child\" data-id=\"9943c21\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e3cad9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4e3cad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tMost banks require the mortgage to be fully repaid before the borrower reaches the age of 75 or 80.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2594\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2594\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I transfer or improve my existing mortgage through Altavista Finance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2594\" class=\"elementor-element elementor-element-16c4596 e-con-full e-flex e-con e-child\" data-id=\"16c4596\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2594\" class=\"elementor-element elementor-element-42b39b9 e-con-full e-flex e-con e-child\" data-id=\"42b39b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d97bd9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5d97bd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. AVF can negotiate a transfer to another lender with better terms or a novation with your current bank. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2595\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2595\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do you finance off-plan or properties under construction?\u00bfFinancian vivienda sobre plano o en construcci\u00f3n? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2595\" class=\"elementor-element elementor-element-256e3c3 e-con-full e-flex e-con e-child\" data-id=\"256e3c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2595\" class=\"elementor-element elementor-element-b131ef0 e-con-full e-flex e-con e-child\" data-id=\"b131ef0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71ff2b1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"71ff2b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes, although the terms vary depending on the lender and the stage of construction.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can I get a mortgage in Spain if I am self-employed?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Being self-employed does not prevent you from obtaining mortgage financing, but income is assessed differently than for an employed borrower. AVF knows which lenders have the most favorable criteria for self-employed applicants.\"}},{\"@type\":\"Question\",\"name\":\"What happens if I have irregular income or income from multiple sources?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Profiles with complex income structures require a specialized approach. AVF analyzes the full income structure and selects the lenders that assess it most favorably.\"}},{\"@type\":\"Question\",\"name\":\"Can I finance a second home as a resident?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Spanish banks finance second homes with a typical LTV of 70% to 80%.\"}},{\"@type\":\"Question\",\"name\":\"Is there an age limit for applying for a mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Most banks require the mortgage to be fully repaid before the borrower reaches the age of 75 or 80.\"}},{\"@type\":\"Question\",\"name\":\"Can I transfer or improve my existing mortgage through Altavista Finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. AVF can negotiate a transfer to another lender with better terms or a novation with your current bank.\"}},{\"@type\":\"Question\",\"name\":\"Do you finance off-plan or properties under construction?\\u00bfFinancian vivienda sobre plano o en construcci\\u00f3n?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, although the terms vary depending on the lender and the stage of construction.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15aabf0 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"15aabf0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0875f5 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"a0875f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LOMBARD LOANS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eeee052 acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"eeee052\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2500\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2500\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a Lombard loan? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2500\" class=\"elementor-element elementor-element-44691ef e-con-full e-flex e-con e-child\" data-id=\"44691ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2500\" class=\"elementor-element elementor-element-f68f346 e-con-full e-flex e-con e-child\" data-id=\"f68f346\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c0a155 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0c0a155\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tA Lombard loan is a financing facility secured by a portfolio of assets without the need to liquidate them. Typically, it requires portfolios starting at EUR 300,000 in Spain and EUR 500,000 in Luxembourg. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2501\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2501\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What financial assets are eligible as collateral? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2501\" class=\"elementor-element elementor-element-a3ad678 e-con-full e-flex e-con e-child\" data-id=\"a3ad678\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2501\" class=\"elementor-element elementor-element-9a01a9e e-con-full e-flex e-con e-child\" data-id=\"9a01a9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3633b4a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3633b4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tListed shares, investment-grade bonds, UCITS funds, ETFs and, in some cases, venture capital or private equity funds.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2502\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2502\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much financing can I obtain with a Lombard loan? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2502\" class=\"elementor-element elementor-element-1f80f7e e-con-full e-flex e-con e-child\" data-id=\"1f80f7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2502\" class=\"elementor-element elementor-element-9ba0ca8 e-con-full e-flex e-con e-child\" data-id=\"9ba0ca8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04bd0ee elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"04bd0ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTypically between 50% and 90% of the value of the pledged portfolio.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2503\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2503\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What tax advantage does a Lombard loan have compared to selling assets? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2503\" class=\"elementor-element elementor-element-07dfc5b e-con-full e-flex e-con e-child\" data-id=\"07dfc5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2503\" class=\"elementor-element elementor-element-4a26ad3 e-con-full e-flex e-con e-child\" data-id=\"4a26ad3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04da800 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"04da800\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tAs the investments are not liquidated, no capital gain is generated. In addition, the loan creates a liability that reduces the taxable base for wealth tax purposes. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2504\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2504\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens if my portfolio decreases in value (margin call)? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2504\" class=\"elementor-element elementor-element-abf5eea e-con-full e-flex e-con e-child\" data-id=\"abf5eea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2504\" class=\"elementor-element elementor-element-62dcffb e-con-full e-flex e-con e-child\" data-id=\"62dcffb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-327440b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"327440b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe lender may request additional collateral or partial repayment of the loan.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2505\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2505\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a Lombard loan be arranged from Spain, or do I have to go to Luxembourg? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2505\" class=\"elementor-element elementor-element-8a0edf1 e-con-full e-flex e-con e-child\" data-id=\"8a0edf1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2505\" class=\"elementor-element elementor-element-d5791da e-con-full e-flex e-con e-child\" data-id=\"d5791da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6454658 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6454658\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tBoth options are available. AVF structures Lombard loans domiciled in Spain or Luxembourg. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a Lombard loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A Lombard loan is a financing facility secured by a portfolio of assets without the need to liquidate them. Typically, it requires portfolios starting at EUR 300,000 in Spain and EUR 500,000 in Luxembourg.\"}},{\"@type\":\"Question\",\"name\":\"What financial assets are eligible as collateral?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Listed shares, investment-grade bonds, UCITS funds, ETFs and, in some cases, venture capital or private equity funds.\"}},{\"@type\":\"Question\",\"name\":\"How much financing can I obtain with a Lombard loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Typically between 50% and 90% of the value of the pledged portfolio.\"}},{\"@type\":\"Question\",\"name\":\"What tax advantage does a Lombard loan have compared to selling assets?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"As the investments are not liquidated, no capital gain is generated. In addition, the loan creates a liability that reduces the taxable base for wealth tax purposes.\"}},{\"@type\":\"Question\",\"name\":\"What happens if my portfolio decreases in value (margin call)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The lender may request additional collateral or partial repayment of the loan.\"}},{\"@type\":\"Question\",\"name\":\"Can a Lombard loan be arranged from Spain, or do I have to go to Luxembourg?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Both options are available. AVF structures Lombard loans domiciled in Spain or Luxembourg.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20bd3e6 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"20bd3e6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14549ca elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"14549ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CORPORATE FINANCING<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38b3bf9 acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"38b3bf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5940\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-5940\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a company apply for mortgage financing? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5940\" class=\"elementor-element elementor-element-0af8c2a e-con-full e-flex e-con e-child\" data-id=\"0af8c2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5940\" class=\"elementor-element elementor-element-69beb2c e-con-full e-flex e-con e-child\" data-id=\"69beb2c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c4d882 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5c4d882\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. Both limited liability companies (S.L.) and public limited companies (S.A.) can obtain mortgage financing. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5941\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5941\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a real estate purchase be financed through an SPV? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5941\" class=\"elementor-element elementor-element-9fbc9e2 e-con-full e-flex e-con e-child\" data-id=\"9fbc9e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5941\" class=\"elementor-element elementor-element-951c3f9 e-con-full e-flex e-con e-child\" data-id=\"951c3f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf728e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4cf728e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes, this is a common structure for investment transactions.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5942\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5942\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do you offer financing for real estate developers? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5942\" class=\"elementor-element elementor-element-6e176ae e-con-full e-flex e-con e-child\" data-id=\"6e176ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5942\" class=\"elementor-element elementor-element-4834ded e-con-full e-flex e-con e-child\" data-id=\"4834ded\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0879776 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0879776\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. We arrange financing for real estate developers, including development loans for new projects, land financing, and refinancing of existing assets. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5943\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5943\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a recently incorporated company obtain financing?<br \/>Do you finance commercial properties or only residential properties? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5943\" class=\"elementor-element elementor-element-5a0f44f e-con-full e-flex e-con e-child\" data-id=\"5a0f44f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5943\" class=\"elementor-element elementor-element-408c213 e-con-full e-flex e-con e-child\" data-id=\"408c213\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc60f2f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dc60f2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIt is possible, although the terms are more restrictive. A higher proportion of equity (40\u201350%) and personal guarantees from the shareholders are often key factors.<br \/>We arrange financing for both residential and commercial properties, including offices, retail premises, logistics warehouses, and hotels. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5944\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5944\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do you finance commercial properties or only residential properties? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5944\" class=\"elementor-element elementor-element-6bde75d e-con-full e-flex e-con e-child\" data-id=\"6bde75d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5944\" class=\"elementor-element elementor-element-f56237d e-con-full e-flex e-con e-child\" data-id=\"f56237d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7db674b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7db674b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tWe arrange financing for both residential and commercial properties, including offices, retail premises, logistics warehouses, and hotels.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can a company apply for mortgage financing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Both limited liability companies (S.L.) and public limited companies (S.A.) can obtain mortgage financing.\"}},{\"@type\":\"Question\",\"name\":\"Can a real estate purchase be financed through an SPV?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, this is a common structure for investment transactions.\"}},{\"@type\":\"Question\",\"name\":\"Do you offer financing for real estate developers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. We arrange financing for real estate developers, including development loans for new projects, land financing, and refinancing of existing assets.\"}},{\"@type\":\"Question\",\"name\":\"Can a recently incorporated company obtain financing?Do you finance commercial properties or only residential properties?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is possible, although the terms are more restrictive. A higher proportion of equity (40\\u201350%) and personal guarantees from the shareholders are often key factors.We arrange financing for both residential and commercial properties, including offices, retail premises, logistics warehouses, and hotels.\"}},{\"@type\":\"Question\",\"name\":\"Do you finance commercial properties or only residential properties?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"We arrange financing for both residential and commercial properties, including offices, retail premises, logistics warehouses, and hotels.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-777b828 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"777b828\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fb8523 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"8fb8523\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PROCESO Y COSTES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b1c210 acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"6b1c210\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1120\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1120\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the step-by-step process for working with Altavista Finance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1120\" class=\"elementor-element elementor-element-1d61d08 e-con-full e-flex e-con e-child\" data-id=\"1d61d08\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1120\" class=\"elementor-element elementor-element-943a712 e-con-full e-flex e-con e-child\" data-id=\"943a712\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7443846 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7443846\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe process follows five steps: (1) Pre-qualification, (2) Documentation, (3) Pre-approval, (4) Valuation, and (5) Review and signing. Typical duration: 8 to 12 weeks. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1121\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1121\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are the costs of purchasing a property in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1121\" class=\"elementor-element elementor-element-3bf1c14 e-con-full e-flex e-con e-child\" data-id=\"3bf1c14\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1121\" class=\"elementor-element elementor-element-fb231a2 e-con-full e-flex e-con e-child\" data-id=\"fb231a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9238c3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b9238c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTotal purchase costs represent approximately 8% to 15% of the purchase price. These include ITP (6\u201310%) for resale properties, or VAT (10%) plus Stamp Duty (AJD) for new-build properties, as well as valuation, administration, notary, and registration fees.val before you have identified a specific property. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1122\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1122\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What documents do I need to apply for a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1122\" class=\"elementor-element elementor-element-bd31314 e-con-full e-flex e-con e-child\" data-id=\"bd31314\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1122\" class=\"elementor-element elementor-element-b88508f e-con-full e-flex e-con e-child\" data-id=\"b88508f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5be5a7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a5be5a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tPassport or ID card, NIE (for foreigners), proof of income, bank statements for the last 6 months, a statement of assets and liabilities, and the reservation\/earnest money agreement (arras) or property details if a specific property has already been identified.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1123\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1123\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens after I contact Altavista Finance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1123\" class=\"elementor-element elementor-element-2afe3d1 e-con-full e-flex e-con e-child\" data-id=\"2afe3d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1123\" class=\"elementor-element elementor-element-3261b64 e-con-full e-flex e-con e-child\" data-id=\"3261b64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a78f2b7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a78f2b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tAVF responds within 24 to 48 hours. An initial 30\u201345-minute consultation is then scheduled. There is no commitment until the proposal is signed.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1124\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1124\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long does it take to receive an approval decision? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1124\" class=\"elementor-element elementor-element-eed7822 e-con-full e-flex e-con e-child\" data-id=\"eed7822\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1124\" class=\"elementor-element elementor-element-c48ccc4 e-con-full e-flex e-con e-child\" data-id=\"c48ccc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8265cf elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b8265cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe initial response usually takes 5 to 10 business days. The final binding offer may take an additional 2 to 4 weeks. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1125\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1125\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I start the process before I have found a property? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1125\" class=\"elementor-element elementor-element-d65a516 e-con-full e-flex e-con e-child\" data-id=\"d65a516\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1125\" class=\"elementor-element elementor-element-fdf7e58 e-con-full e-flex e-con e-child\" data-id=\"fdf7e58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf3e83 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1cf3e83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. AVF can assess your profile and obtain an indicative pre-appro \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the step-by-step process for working with Altavista Finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The process follows five steps: (1) Pre-qualification, (2) Documentation, (3) Pre-approval, (4) Valuation, and (5) Review and signing. Typical duration: 8 to 12 weeks.\"}},{\"@type\":\"Question\",\"name\":\"What are the costs of purchasing a property in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Total purchase costs represent approximately 8% to 15% of the purchase price. These include ITP (6\\u201310%) for resale properties, or VAT (10%) plus Stamp Duty (AJD) for new-build properties, as well as valuation, administration, notary, and registration fees.val before you have identified a specific property.\"}},{\"@type\":\"Question\",\"name\":\"What documents do I need to apply for a mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Passport or ID card, NIE (for foreigners), proof of income, bank statements for the last 6 months, a statement of assets and liabilities, and the reservation\\\/earnest money agreement (arras) or property details if a specific property has already been identified.\"}},{\"@type\":\"Question\",\"name\":\"What happens after I contact Altavista Finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"AVF responds within 24 to 48 hours. An initial 30\\u201345-minute consultation is then scheduled. There is no commitment until the proposal is signed.\"}},{\"@type\":\"Question\",\"name\":\"How long does it take to receive an approval decision?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The initial response usually takes 5 to 10 business days. The final binding offer may take an additional 2 to 4 weeks.\"}},{\"@type\":\"Question\",\"name\":\"Can I start the process before I have found a property?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. AVF can assess your profile and obtain an indicative pre-appro\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37673d3 e-con-full e-flex e-con e-parent\" data-id=\"37673d3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e67036 elementor-widget elementor-widget-template\" data-id=\"0e67036\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"774\" class=\"elementor elementor-774 elementor-757 elementor-757\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a41b0 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"a41b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41819a8b elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"41819a8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONTACT US<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-655aa3aa e-con-full e-flex e-con e-child\" data-id=\"655aa3aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43288274 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"43288274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you are considering a real estate transaction in Spain and want to understand which options make sense to explore, we would be happy to talk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb3072e elementor-align-center elementor-tablet-align-left elementor-widget elementor-widget-button\" data-id=\"1bb3072e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FREQUENTLY ASKED QUESTIONS Answers to common questions about mortgages for non-residents, Lombard loans, corporate financing, and the credit intermediation process in Spain. CONTACT US ABOUT ALTAVISTA FINANCE What is Altavista Finance? Altavista Finance is a boutique real estate finance advisory firm based in Madrid. We act as a real estate credit intermediary authorized by the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-270","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Frequently Asked Questions | Altavista Finance<\/title>\n<meta name=\"description\" content=\"Answers on Spanish mortgages for residents and non-residents: requirements, LTV, timelines, costs and how we work. 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