I earn in UAE and don't have tax returns - is this a problem?

How to demonstrate proof of income if you are a resident in the UAE

No this is not an issue. It is quite common for people earning in UAE not to pay taxes, and obviously, therefore, have no tax returns to show. This is easily solved if you can demonstrate proof of income. The lenders require bank statements, pay slips or a letter from your employer, or in some cases, an employment contract to prove your employment status.

Spain is a very popular location for buyers, and we have many customers from the UAE who purchase property in Spain. If you earn in UAE expect a loan to be around 60% of the purchase price in Spain. You can find out more about what this means here LTV / Loan To Value.