Answer:

Do you wish to take out a mortgage? Banks in Spain finance 70% of the purchase price. This does not include the additional costs, which is approximately 12.5%. These additional costs consist of costs for notary, clerk, cadastre, lawyer, real estate agent, etc.

Example: Imagine you buy a house of € 350,000, of which the bank finances € 245.000 and you need to have your own capital of € 105.000 (30%) for the house + € 43.750 additional costs (12.5% of € 350.000) . This amounts to a capital of € 148,750.
In fact, it means that 40% of your own money is needed in its entirety, including these additional costs of 12.5%.