Mortgage subrogation simulator
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The only mortgage on the market 1 that combines a fixed and variable rate at the same time.
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See How do I switch my mortgage to Bankinter? How do I switch my mortgage to Bankinter?
Moving your mortgage to another bank is much easier than you might think.
1. Let's get to know each other a little better. Contact us.
You can do so from our website, via telephone banking or visiting your nearest Bankinter office. We'll tell you what documents we need to prepare our offer for you. What's important is that before embarking on the process to switch your mortgage to another bank, you have zero doubts.
2. We will confirm the new conditions.
We will do so through what is known as a "binding offer"”, an approved format where our offer is specified with all the conditions and expenses of the operation.
3. It's time to compare which mortgage is best for your needs.
With the binding offer in hand, you can compare the type of mortgage that best suits you and see where you can improve and what you can save compared to your current mortgage.
4. We sign the mortgage and that's all!
The Law stipulates that to move your mortgage to another bank, a three-week period established in Real-Estate Credit Contracts must be respected. From that moment on, we will be able to close the mortgage exchange transaction with the new signature.
See What is mortgage subrogation? What is mortgage subrogation?
The subrogation of a mortgage consists in amending one or more of the parties to the agreement, for example if there is a change in the borrowers or a change in the financial institution or bank. There are four types:
Change of bank
This is what is known as a creditor subrogation. it consists of moving your current mortgage to another bank. Usually to improve the term, spread, etc.
Debtor subrogation
This consists in amending the parties to the mortgage but keeping it at the same bank. A common scenario for this type of subrogation is when someone buys a property and takes over the seller's mortgage.
Creditor subrogation
This consists in moving a mortgage from one bank to another, usually to improve the term, spread, etc.
Subrogation to the developer's loan
This is when the homeowners on a housing estate subrogate their mortgage to the housing developer's initial loan.
See What is the fee for a mortgage subrogation? What is the fee for a mortgage subrogation?
Unlike other amendments, subrogation protects the customer because they don't have to pay any new taxes. However, if the subrogation consists in moving the mortgage to another entity, known as creditor subrogation, the bank will charge a fee for this transaction.
Offer valid until the amount offered (25 million euros) has been reached.
Información de interés
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Show/Hide legal text1 Source: Inteliens. Comparative study carried out at the beginning of September 2023 of 16 financial institutions, on the conditions of mortgage products, which concludes the following: no institution in the analysed universe allows customers to choose the distribution between the percentage allocated to a fixed rate and the percentage allocated to a variable rate. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), public and private websites, visits to branches as a prospect and calls to financial institutions as a areal customer. Read the study here.
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Show/Hide legal text2 The maximum percentage allocated to each of the settlement tranches may not exceed 90%, and the sum of both tranches must not exceed 100% of the loan's nominal amount. Offer for new mortgages.