Halifax mortgageTHE average Spanish mortgage client forks out €760 per month.

A Goldman Sachs report revealed that 80% of those applying for mortgages were couples.

In Madrid or Barcelona, the loan is worth on average €130,000, while outside of the capitals it is far lower at €89,000.

Buyers have become far more cautious with their cash.

“The homebuyer has become much more prudent and his or her profile is significantly different to what it was in the years prior to the crisis,” said mortgage boss Jose Luis Vera.

“We are seeing a more adult buyer, with a greater level of job stability and in 80% of cases, national.”

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