Trioteca

Estimates non-tax associated costs for residential property operations in Spain. Provides a deterministic cost breakdown across notary, property registry, agency, and appraisal concepts. Designed for upfront cost visibility and scenario comparison, separate from purchase taxes.

calculate-associated-costs

Evaluates mortgage affordability and viability for Spain. Produces core decision ratios (LTC, LTV, DTI) to quantify financial fit and borrowing pressure. Useful for fast viability screening before deeper mortgage scenario analysis.

calculate-mortgage-ratios

Estimates Spanish property purchase taxes and the transaction-tax cash impact. Applies Spain-specific tax logic to produce a clear breakdown of applicable tax components. Useful for understanding the fiscal layer of a purchase independently from financing terms.

calculate-mortgage-taxes

Retrieves official Spanish mortgage reference indexes such as Euribor and IRPH. Uses Bank of Spain sources to provide trusted market index context for mortgage analysis. Supports both latest available observations and point-in-time monthly checks.

get-mortgage-index

Searches Trioteca's curated knowledge base for policy, product, process, eligibility, and explanatory mortgage questions. Provides grounded answers aligned with documented Trioteca content to reduce ambiguity and hallucinations.

search-knowledge-base

Generates a complete mortgage simulation for Spain with deterministic financial outputs. Combines installment projection, total financing cost, purchase taxes, associated costs, and affordability indicators in one coherent scenario. Associated costs are represented separately from taxes to preserve financial clarity.

simulate-mortgage