Mortgage Types: Fixed Mortgage
The fixed mortgage is a mortgage loan at a fixed rate. The interest rate initially hire, remains in effect for the entire term of the loan.
Interest: The interest rate on our fixed mortgage is customized according to the results of our simulator.
Commissions: opening fee: 1%
Compensation for withdrawal: In this mortgage the following withdrawal compensation shall apply:
- In partial amortization 0.5% the first 5 years. Other years 0.25%
- Of the total amortization 0.5% the first 5 years. Other years 0.25%
- In another entity subrogation 0.5% the first 5 years. Other years 0.25%
- In partial amortization 0.5% the first 5 years. Other years 0.25%
- Of the total amortization 0.5% the first 5 years. Other years 0.25%
- In another entity subrogation 0.5% the first 5 years. Other years 0.25%
Compensation for interest rate risk: In this mortgage the following compensation shall apply interest rate risk: 2.5%
Conditions:
- Up to 80% of the appraised value for primary residence or 55% if it is a second home.
- Hiring a home insurance.
- Recruitment of life insurance.
- Hiring a payroll account or a business account.
- Hiring a home insurance.
- Recruitment of life insurance.
- Hiring a payroll account or a business account.
| minimum | maximum | |
|---|---|---|
| Amounts | 30.000 euros | 600.000 euros |
| mortgage term | 3 years | 15 years |
For residence: the loan amount will be up to 80% of the value of homes tasación.En for Public Protection (VPP) the appraised value will be limited by the statutory maximum.
For second home: the loan amount is up to 55% of the appraised value. In the case of housing Public Protection (VPP) the appraised value will be limited by the statutory maximum.
For second home: the loan amount is up to 55% of the appraised value. In the case of housing Public Protection (VPP) the appraised value will be limited by the statutory maximum.
Depreciation: Depreciation is done through constant installments comprising of return of capital and part interest. These fees can be monthly, bimonthly, quarterly or half-yearly.
For prepayments, the minimum amount to be redeemed is 300 euros.
For prepayments, the minimum amount to be redeemed is 300 euros.
Documents needed: If you fix your mortgage with us, we need to gather the following documentation
For employed persons:
- Photocopy of passport / ID or valid residence card.
- Photocopy of the last 3 perceived payroll.
- Copy of latest Income Tax or income tax.
For self-employed:
- Photocopy of passport / ID or valid residence card.
- Last 3 Quarterly payments of income tax. (Model 130)
- Inclusion in the Business Tax (Form 036).
- Copy of latest Income Tax or income tax.
Regardless of the job you have, you must also provide the following documents of the property to be mortgaged:
- Private Contract of Purchase and Sale.
- Simple Note date of registration of the ownership of the property.
- Last receipt of I.B.I. the property to be mortgaged.
- Certificate of the homeowners association, if any, that the property is currently being paid.
For employed persons:
- Photocopy of passport / ID or valid residence card.
- Photocopy of the last 3 perceived payroll.
- Copy of latest Income Tax or income tax.
For self-employed:
- Photocopy of passport / ID or valid residence card.
- Last 3 Quarterly payments of income tax. (Model 130)
- Inclusion in the Business Tax (Form 036).
- Copy of latest Income Tax or income tax.
Regardless of the job you have, you must also provide the following documents of the property to be mortgaged:
- Private Contract of Purchase and Sale.
- Simple Note date of registration of the ownership of the property.
- Last receipt of I.B.I. the property to be mortgaged.
- Certificate of the homeowners association, if any, that the property is currently being paid.
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