Skip to contents


Goodbye surcharges!
Hello European Funds!

As you may know, the Next Generation European Funds are also granted to homeowner associations. A chance for a subsidy for your pending upgrade projects:

  • Renovation/Retrofitting
  • Accessibility
  • Improvement of energy efficiency
  • Digitalisation
préstamo para derramas comunidades
crédito para pagar derramas comunidad


And how is the project financed?

The funds are paid once the work is completed but, with our loan for homeowner associations, you can get up to 100% of financing for your upgrade project.

  • You can repay it in monthly instalments for up to 12 years.
  • 100% online application process.
  • Grace period of up to 24 months.
  • If the loan is less than €300,000, there won't be any need for a notary.
  • No other link to Bankinter.
  • A loan for your homeowner association, whether or not you have applied for aid.

Would you like to know whether your renovation qualifies for aid? You can find answers to this and other questions in the same place: Tu Comunidad NextGen.

We created this portal with IESA, the group of 85% of property administrators in Spain, to help you to not get lost, to find everything, to answer all your queries.

No notary fees.

If the loan is less than €300,000, there won't be any need for a notary.

What are the sums?

You can find out the sums available depending on your region, and the aid percentages.

How do you apply for the funds?

All the information is displayed in a simple manner: deadlines, documents, etc.

How do you do the maths?

We do it for you. Our simulator calculates the monthly payments depending on the job's cost, the number of owners, term, etc.

It's really simple to apply for our loan for homeowner associations.

Your property administrator can help you with the process, which they can also complete through Alternatively, you can send us your application through Tu Comunidad NextGen, or contact one of our branches if you want to discuss your application in person. Click on the link below to find out the documents you will need.

See Documents required Documents required

To apply for and formalise the loan, the following documents must be provided:

  • Community Tax ID Number and photocopy of the President of the Community's ID card.
  • Copy of the minutes of the homeowners' association certified by the secretary or administrator where the following is detailed:
    • - Conformity to the project to be carried out by the Community.
    • - Conformity for the request and future signing of the financing with Bankinter
  • Certificate issued by the administrator of the Community's default in which the detail of the amounts owed by the various owners is provided.
  • Last closing of accounts.
  • Detailed budget of the installation to be financed.

See Conditions Conditions

  • Whatever your bank.
  • Repayment period: up to 12 years.
  • Grace period of up to 24 months.
  • No notary documents up to €300,000.
  • Depreciation: monthly.