NPL · Mortgage debt
Non-performing loans bought at a steep discount: you take the creditor position and reach the property below market.
Mortgage debt (NPL) in Spain
1,721 assets of this kind in Spain, with their published price and the real state of the proceedings.
This page holds only mortgage debt (npl) in Spain. It is a route with its own timings, costs and risks, so it is worth looking at separately from the rest of the catalogue: below are the assets available, each with its own listing, and the glossary entry explaining how the deal works end to end.
Spain in figures
There are currently 14,029 assets listed in Spain in the Arkos catalogue. 9,680 of them are listed masked: they appear in search without price or address and their page asks for access. Published prices run from €3,723 to €5,491,830, with a median of €103,000. The median price per built square metre is €1,063/m². The most common opportunity is REO · bank-owned (80% of the inventory) and the most common property type is homes. Most of the inventory is concentrated in Madrid, Murcia, and Sevilla.
By opportunity type
- REO · bank-owned11,172 assets
- NPL · mortgage debt1,721 assets
- Auction bid assignments1,109 assets
- Other opportunities27 assets
By property type
- Homes5,060 assets
- Houses and villas3,173 assets
- Flats1,281 assets
- Land and plots1,034 assets
- Retail premises994 assets
- Rural estates353 assets
- Industrial units258 assets
- Garages and storage257 assets
- Offices175 assets
Towns with the most assets
- Madrid339 assets
- Murcia312 assets
- Sevilla282 assets
- Barcelona277 assets
- Terrassa182 assets
- Sabadell175 assets
- Badalona174 assets
- L'Hospitalet de Llobregat169 assets
- Roquetas de Mar158 assets
- Burgos142 assets
Count of the public catalogue, updated on October 2, 2026.
What you can buy in Spain
REO · Bank-owned
Assets already owned by the bank. Immediate title by deed, with no pending court process.
Auctions
Public-auction assets and bid assignments, with short timelines and a keen entry price.
Opportunities in Spain
1,836 listings available
NPLPrime
NPLPrime
NPLPrime
Garage or storage · 21 m²
Built 2003
- 88 %
- Debt / value
Estimated value (area) €16,600
−58 %
€6,962
NPLPrime
Home · 58 m² · 2 beds · 1 bath
Built 1965
- 91 %
- Debt / value
Estimated property value €65,000
−12 %
€56,900
NPLPrime
Home · 113 m² · 2 beds · 2 baths
Built 2005
- 111 %
- Debt / value
Estimated property value €154,000
−35 %
€100,000
NPLPrime
NPLPrime
Home · 99 m² · 3 beds · 2 baths
Built 1976
- 72 %
- Debt / value
Estimated property value €253,000
−29 %
€179,000
NPLPrime
Home · 92 m² · 3 beds · 2 baths
Built 1993
- 109 %
- Debt / value
Estimated property value €177,000
−34 %
€118,000
NPLPrime
House · 111 m² · 3 beds · 2 baths
Built 2004
- 93 %
- Debt / value
Estimated property value €202,000
−9 %
€184,000
NPLPrime
Flat · 97 m² · 2 beds · 1 bath
Built 1989
- 104 %
- Debt / value
Estimated property value €174,000
−54 %
€80,000
NPLPrime
Industrial unit · 1120 m²
Built 2000
- 60 %
- Debt / value
Estimated property value €140,000
−42 %
€80,900
NPLPrime
House · 218 m² · 3 beds · 1 bath
Built 1900
- 76 %
- Debt / value
Estimated property value €113,000
−26 %
€83,900
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