BBVA is no different than any other bank in Europe - you basically take out a mortgage on a property and in case you can't pay it back - bank takes it away from you. There's nothing stopping you going in to your local bank and applying for a very similar mortgage as long as you have a property with a positive equity.
for a 100k loan you're looking to give back around 150k in total + fees, with a monthly repayment of around 1300.. Does that sound sensible to you?
Or another option would be - go get a decent 3rd level education in a field that you're interested in, develop a nice career that will allow you to save, once you have enough money - start your training and maybe allow for a tiny loan to help you get through the last steps.
This way you have a backup career in case things don't work out for you. You will be able to accept your first job with a lower salary after the training as you will have no mortgage to hold you back. 0 risk of becoming homeless..