{"id":1876495,"date":"2026-09-25T18:01:27","date_gmt":"2026-09-25T15:01:27","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=1876495"},"modified":"2026-09-25T18:01:27","modified_gmt":"2026-09-25T15:01:27","slug":"germans-lead-foreign-mortgage-applications-in-spain","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/sv\/articles\/news\/germans-lead-foreign-mortgage-applications-in-spain","title":{"rendered":"Tyskar leder utl\u00e4ndska bol\u00e5neans\u00f6kningar i Spanien"},"content":{"rendered":"

Enligt idealista \u00e4r tyskarna den grupp utl\u00e4nningar som oftast ans\u00f6ker om bol\u00e5n i Spanien. De stod f\u00f6r mer \u00e4n 15% av ans\u00f6kningarna fr\u00e5n icke-residenter under \u00e5rets andra kvartal.<\/p>\n

D\u00e4refter f\u00f6ljer britter \u2013 10,6%, schweizare \u2013 9,4%, fransm\u00e4n \u2013 9,1%, nederl\u00e4ndare \u2013 8,3%, amerikaner \u2013 5,9%, irl\u00e4ndare \u2013 4,5%, belgare \u2013 3,6%, svenskar \u2013 3,6% \u2013 och italienare \u2013 2,3%.<\/p>\n

Icke-residenter st\u00e5r f\u00f6r 3% av bol\u00e5neefterfr\u00e5gan<\/h2>\n

Totalt utgjorde bol\u00e5neans\u00f6kningar fr\u00e5n icke-residenter 3% under perioden april\u2013juni.<\/p>\n

81,8% g\u00e4llde k\u00f6p av f\u00f6rsta bostad, 8,9% en andra bostad och 4,5% f\u00f6rb\u00e4ttring av villkoren i redan tecknade bol\u00e5n.<\/p>\n

Deras andel av de avslutade aff\u00e4rer d\u00e4r idealistas bol\u00e5nef\u00f6rmedlare deltog uppgick ocks\u00e5 till 3% under andra kvartalet.<\/p>\n

Samtidigt var 84,5% av finansieringsaff\u00e4rerna avsedda f\u00f6r k\u00f6p av permanent bostad, 6,9% f\u00f6r att f\u00f6rb\u00e4ttra villkoren i befintliga l\u00e5n och 4,8% f\u00f6r k\u00f6p av en andra bostad.<\/p>\n

Valenciaregionen leder bland utl\u00e4ndska ans\u00f6kningar<\/h2>\n

Den \u00f6verv\u00e4gande delen av icke-residenters bol\u00e5neans\u00f6kningar f\u00f6r bostadsk\u00f6p kommer fr\u00e5n Medelhavskusten.<\/p>\n

Valenciaregionen st\u00e5r f\u00f6r n\u00e4stan en tredjedel av efterfr\u00e5gan \u2013 32,3%, f\u00f6ljd av Andalusien och Katalonien med 19,9% respektive 14%.<\/p>\n

De n\u00e4st viktigaste regionerna \u00e4r Madridregionen \u2013 6,5%, Kanarie\u00f6arna \u2013 6,3%, Balearerna \u2013 5,8% \u2013 och Murcia \u2013 5,4%.<\/p>\n

\u00d6vriga autonoma regioner st\u00e5r f\u00f6r mindre \u00e4n 2% av totalen.<\/p>\n

Utl\u00e4nningars intresse f\u00f6r kusten st\u00e5r i kontrast till den lokala bol\u00e5neefterfr\u00e5gan, d\u00e4r huvudcentren \u00e4r Madrid \u2013 16,7%, Barcelona \u2013 13,1%, Valencia \u2013 7,8% \u2013 och Alicante \u2013 5,6%.<\/p>\n

Icke-residenters genomsnittliga k\u00f6peskilling \u00f6verstiger rikssnittet<\/h2>\n

Enligt rapporten ligger den k\u00f6peskilling som icke-residenter efterfr\u00e5gar p\u00e5 265 093 euro, vilket \u00e4r 3,6% h\u00f6gre \u00e4n v\u00e5ren 2025 och \u00f6ver rikssnittet p\u00e5 207 569 euro.<\/p>\n

N\u00e4stan 70% av ans\u00f6kningarna g\u00e4ller dock belopp under 200 000 euro, medan endast 2,7% av finansieringsf\u00f6rfr\u00e5gningarna avser k\u00f6p av fastighet i Spanien<\/a> v\u00e4rd mer \u00e4n en halv miljon euro.<\/p>\n

Utl\u00e4ndska s\u00f6kandes inkomster \u00e4r dubbelt s\u00e5 h\u00f6ga som rikssnittet<\/h2>\n

N\u00e4r det g\u00e4ller den disponibla inkomsten hos utl\u00e4nningar som ans\u00f6ker om bol\u00e5n har n\u00e4stan h\u00e4lften mer \u00e4n 6000 euro per m\u00e5nad.<\/p>\n

Genomsnittet under \u00e5rets andra kvartal var 6779 euro, dubbelt s\u00e5 mycket som rikssnittet p\u00e5 3385 euro per hush\u00e5ll.<\/p>\n

Samtidigt finns betydande skillnader beroende p\u00e5 nationalitet.<\/p>\n

S\u00e4rskilt framtr\u00e4dande \u00e4r s\u00f6kande fr\u00e5n Schweiz, med ett genomsnitt p\u00e5 \u00f6ver 9300 euro per m\u00e5nad per hush\u00e5ll, samt fr\u00e5n USA \u2013 8514 euro.<\/p>\n

I den \u00f6vre delen av listan finns \u00e4ven medborgare fr\u00e5n Storbritannien \u2013 6977 euro, Irland \u2013 6669 euro \u2013 och Sverige \u2013 6601 euro.<\/p>\n

Under niv\u00e5n 6600 euro per m\u00e5nad finns s\u00f6kande fr\u00e5n Tyskland och Nederl\u00e4nderna, medan de tre l\u00e4nderna med l\u00e4gst genomsnitt \u00e4r Belgien \u2013 5889 euro, Frankrike \u2013 5845 euro \u2013 och Italien \u2013 5249 euro.<\/p>\n

Den beg\u00e4rda finansieringen har minskat<\/h2>\n

Samtidigt minskade den andel finansiering som efterfr\u00e5gades f\u00f6r bostadsk\u00f6p till i genomsnitt 68%, j\u00e4mf\u00f6rt med 71\u201375% under tidigare kvartal.<\/p>\n

\u00c4ven skulds\u00e4ttningsniv\u00e5n sj\u00f6nk, eftersom bol\u00e5nebetalningarna motsvarar 23% av inkomsten \u2013 den l\u00e4gsta niv\u00e5n det senaste \u00e5ret och 4% l\u00e4gre \u00e4n under de tre f\u00f6rsta m\u00e5naderna 2026.<\/p>\n

Genomf\u00f6rda aff\u00e4rer visar en starkare k\u00f6parprofil<\/h2>\n

Idealistas studie analyserar ocks\u00e5 inkomster, k\u00f6peskilling och genomsnittlig skulds\u00e4ttning hos de utl\u00e4ndska icke-residenter som till slut tecknar ett bol\u00e5n.<\/p>\n

Dessa siffror ligger betydligt \u00f6ver genomsnittet f\u00f6r de ans\u00f6kningar som utl\u00e4nningar l\u00e4mnar in totalt sett.<\/p>\n

Exempelvis uppg\u00e5r hush\u00e5llens genomsnittliga inkomst till 10 320 euro per m\u00e5nad, medan priset p\u00e5 den k\u00f6pta fastigheten n\u00e4rmar sig 403 000 euro.<\/p>\n

L\u00e5nebeloppet ligger p\u00e5 omkring 235 000 euro, vilket i detta fall inneb\u00e4r en \u00f6kning med 15% j\u00e4mf\u00f6rt med f\u00f6reg\u00e5ende \u00e5r.<\/p>\n

B\u00e5de bost\u00e4dernas k\u00f6peskilling och bol\u00e5nebeloppen n\u00e5dde de h\u00f6gsta niv\u00e5erna i idealistas bol\u00e5nef\u00f6rmedlares historiska serie, som inleddes 2022.<\/p>\n

N\u00e4r det g\u00e4ller den genomsnittliga \u00e5ldern hos utl\u00e4ndska icke-residenta l\u00e5ntagare visar de genomf\u00f6rda aff\u00e4rerna 41 \u00e5r \u2013 tre \u00e5r yngre \u00e4n den genomsnittliga s\u00f6kanden.<\/p>\n

Den genomsnittliga finansieringen uppg\u00e5r till 62% av k\u00f6peskillingen och skulds\u00e4ttningsniv\u00e5n till 24%.<\/p>\n

Endast 12,8% av avtalen har en Loan to Value-kvot p\u00e5 mellan 70% och 80%.<\/p>\n

Fast r\u00e4nta \u00e4r den tydliga marknadsledaren och st\u00e5r f\u00f6r 85% av aff\u00e4rerna. Bland icke-residenter f\u00f6rekom inga bol\u00e5n med r\u00f6rlig r\u00e4nta under andra kvartalet.<\/p>","protected":false},"excerpt":{"rendered":"

Enligt idealista \u00e4r tyskarna den grupp utl\u00e4nningar som oftast\u2026<\/p>\n","protected":false},"author":34,"featured_media":1876496,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1876495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nTyskar leder bland utl\u00e4nningar i ans\u00f6kningar om bol\u00e5n i Spanien<\/title>\n<meta name=\"description\" content=\"Enligt idealista\/hipotecas stod tyskar under andra kvartalet 2026 f\u00f6r den st\u00f6rsta andelen bol\u00e5neans\u00f6kningar bland utl\u00e4ndska icke-residenter i Spanien, med 15,6%.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alegria-realestate.com\/sv\/wp-json\/wp\/v2\/posts\/1876495\" \/>\n<meta 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