The Spanish lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Depending on the bank, they want to see around 30%-35%. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. The lender also considers cash available for down payment and purchasing costs, credit history, etc. when determining your maximum loan amount. Each application is adjudged carefully and interest rates applied individually except for fixed interest mortgages.