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MORTGAGE SUBROGATION
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If terms and conditions are met 6
NIR first year1.50%
Euribor +0,75%
Variable APR4.94%
Without fulfilling conditions6
NIR first year2.80%
Euribor +2.05%
Variable APR6.01%
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IMPORTANT INFORMATION
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Show/Hide legal text1 5% interest-bearing accounts: Offer valid until 31/07/2023. For new and existing individual customers who live in Spain, who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account at Bankinter in the 12 months before opening this new account and who have not previously benefited from this remuneration. In the case of Salary/Pension/Business/Youth Salary Accounts, customers must have their salary/pension/professional income paid into the account for a minimum amount of €800 per month (€500 for the Youth Salary account). To take advantage of this promotion, the customer may not be the holder of more than two of the following accounts: Salary/Youth Salary Account, Pension Account, Business Account and Non-Salary Account.
For the Salary/Pension/Business/Non-Salary Account: The maximum interest-bearing balance is €10,000. Year 1: nominal annual interest rate of 4.94% (5% AER). Year 2: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance of €10,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €243.62, 2nd six months €243.62, 3rd six months €98.14, 4th six months €98.14.
For the Youth Salary Account: The maximum interest-bearing balance is €6,000. Year 1: nominal annual interest rate of 4.94% (5% AER). Year 2: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance of €6,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €146.17, 2nd six months €146.17, 3rd six months €58.88, 4th six months €58.88.
To take advantage of and to maintain the benefits of the Salary/Pension/Business Account, you need to maintain the declared level of income and have at least 3 direct debits per quarter. The card linked to the account must also be active, which means that you have to use it at least three times per quarter. For the Pension Account, you do not have to activate the linked credit card. For the Non-Salary Account, you must pay at least 10 direct debits per quarter and spend at least €3,000 per year with the card(s) linked to the account. For the Youth Salary account, three payments must be made with the card(s) associated with the account per quarter.
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Show/Hide legal text2 If you open a Salary/Pension/Business/Youth Salary account online you can choose between a credit card or debit card, with no issue or maintenance fee. This offer is available until 31/07/2023 for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
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Show/Hide legal text3 If you open a Salary/Pension/Business/Non-Salary/Young Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, AER 0% calculated for a hypothetical daily balance of €10,000 held for one year). This offer is available until 31/07/2023 for both new and existing customers, and is compatible with all of the other benefits for the Accounts.
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Show/Hide legal text4
Digital current account: Offer available until 31.07.2023 for new customers who open their account through Bankinter.com. 1% annual nominal interest rate with monthly payments (1.01% AER) and an account maintenance fee of €0/year. Example for a daily balance of €10,000 in a current account, calculated for an interest payment period of 30 days: monthly gross remuneration of €8.22. No minimum or maximum interest-bearing amount.
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Show/Hide legal text5 Broker 0: The service is available to holders, so all of your securities accounts will be covered by it. By signing up to the Broker 0 service, customers must make the securities in the securities accounts linked to the service available, meaning that Bankinter Broker may use them for loans at any time.
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Show/Hide legal text6 Variable-Rate Mortgage: Below is an example of a variable APR calculated for a mortgage offered by Bankinter, S.A. based on the following characteristics:
Loan amount: 150.000€. Term of loan: 25 years (300 monthly repayments). Variable APR: 4,94%. Monthly repayment during the first year: 599,90€. Monthly repayment during the remaining years: €833.47 and a last instalment of €833.36. Arrangement Fee: 500,00€. Total interest: 97.238,05€. Interest rate for the first year: 1,50%. (12 months). Monthly payments. Once the first year has elapsed, the interest rate will be variable and will be reviewed annually. Interest rate for the remaining yearly periods: 12-month Euribor (3.862% BOE 02.06.2023) + a spread of 0.75%. Total repayment amount €259,755.86. Total cost: 109.755,86€. This example has been calculated on the assumption that the interest rates that apply after the first review will never be lower than the initial rate.
This variable APR was calculated taking into account:
- Arrangement of life insurance for an amount of €150,000.00 for 25 years for a 30-year-old person. Annual premium of €164.29. Renewal annual insurance.
- Arrangement of home insurance for €100,000 for the structure and €30.000,00 for the content, with an estimated annual premium of €306.44. Renewal annual insurance.
-Appraisal costs: 249,56€.
The interest rate is subject to the condition that the following products be arranged with Bankinter:
- Salary Account, Business Account or Non-Salary Account (discount of 0.30 percentage points).
- Life insurance covering the full mortgage amount, taken out with Bankinter Seguros de Vida S.A. de Seguros y Reaseguros (discount of 0.60 percentage points).
- Seguro Multirriesgo Hogar with minimum content coverage of €30,000.00 and structure coverage at least equivalent to the appraisal value of the property for insurance purposes, pursuant to Order ECO805/2003 of 27 March, taken out with Liberty Seguros, Compañía de Seguros y Reaseguros, S.A. and brokered by Bankinter, S.A., Operador de Banca-Seguros (discount of 0.30 percentage points).
- A pension plan/EPSV have a pension plan/EPSV pension scheme in place with the company Bankinter Seguros de Vida, belonging to Bankinter, S.A. Group, for the entire term of the loan and make a minimum annual contribution of €600.00 (discount of 0.10 percentage points).
Compliance with discounts will be reviewed annually.
These products are optional for the customer, but if they are not arranged the rate for the fixed period and the spread for the variable period will be increased by the percentage points corresponding to the sum of each of the products not arranged. Accordingly, if none of the conditions are met: Variable APR: 6,01%. Monthly repayment during the first year: 695,81€. Monthly repayment during the remaining years: €948.65 and a final instalment of €949.72. Arrangement fee: €500.00. Total interest payable: €131,561.99. Interest rate for the first year: 2,80%. (12 months). Monthly repayments. After the first year, the interest rate will be variable and will be reviewed annually. Interest rate for the remaining yearly periods: 12-month Euribor (3.862% BOE 02.06.2023) + a spread of 2.05%. Total repayment amount €287,635.55. Total cost: 137.635,55€. This variable APR was calculated taking into account the arrangement of a damage insurance policy for the mortgaged property, as required by law and which may be taken out with Bankinter or a different provider, for EUR 100,000.00 for structure and with an estimated annual premium of EUR 167.96, in addition to an annual maintenance fee of €45.00 for the current account required for collection of the payments, the arrangement fee of €500.00 and the appraisal fee of €249.56.
The monthly payments (French repayment system) are the result of raising the coefficient (1 + interest) to the power of the number of outstanding instalments in the transaction multiplied by the interest, divided by (1 + interest) raised to the power of the outstanding payments in the transaction, minus 1, all multiplied by the capital pending repayment ('interest' is understood to be the offered NIR divided by 12). The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding principal) and the amount repayable (the result of subtracting the interest from the instalment).
The variable APRs have been calculated taking into account the following:
1. The variable APRs have been calculated based on the credit facility remaining in place for the agreed term and the borrower and the lender fulfilling their obligations under the terms and conditions agreed in the mortgage agreement.
2. For mortgage agreements with clauses that allow for adjustments to the debit rate and, where applicable, to the costs included in the variable APRs that are not quantifiable when the calculation is being made, the variable APRs will be calculated based on the premise that the debit rate and other costs will remain unchanged with regard to the level set at the time the agreement was signed.
3. The calculation has been made on the assumption that the benchmark rate and spread will not vary. Therefore, these variable APRs may vary as and when interest rates are reviewed and based also on the mortgage amount and term. These variable APRs have been calculated under the premise that there will be no partial or total cancellation during the time the credit facility is in place. The variable APRs do not include the costs that the customer/borrower would have to pay for any breach of their obligations pursuant to the agreement.
The mortgage is provided subject to the application being approved by Bankinter, S.A. This mortgage offer is subject to the condition that the borrowers have a total income of over €2,500 a month.
If the customer does not fulfil their obligations to the bank, in addition to potentially losing their home, their liability and the liability of any other parties involved in the loan will extend to all of their current and future assets.
Offer valid until 15/07/2023 or until reaching the total amount for the offer (750 million euros).
The loan amount may not exceed 80.00% of the lower of these two values: The property purchase value or appraisal value. For second homes, the maximum amount is 60.00%. The maximum mortgage term is 30 years, provided that none of the holders is over 75 years old at the end of the term.
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Show/Hide legal text7 Transfer of Pension Plans: Offer valid from 1/06/2023 to 31/07/2023. The bonus is 6% gross for pension plan transfers equal to or greater than € 60,000 and 4.5% gross for transfers from pension plans if the amount is less than €60,000 and equal to or greater than €1,000 of the net balance of incoming and outgoing transfers requested during the promotion period. It will be paid on 15 September 2023 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 August 2023). Additionally, to receive these bonuses, the customer is required to register for the first time a periodic monthly contribution to their pension plan of at least €125 per month, for at least 24 months, the first contribution being effective during the months of June or July 2023.
The maximum bonus will be €10,000 gross. The pension plan must remain with Bankinter until 31/12/2030. The payment of this bonus is considered to be capital gains and the gross amount is therefore subject to personal income tax. Consequently, the amount credited to your account will be the resulting net amount. This offer does not apply to transfers of the following pension plans: Bankinter Roboadvisor Conservador, Bankinter Roboadvisor Moderado and Bankinter Roboadvisor Dinámico. If, during the minimum contract period, the customer reduces their existing vested/economic rights on the date of this bonus campaign, whether through the total or partial transfer to another bank, the transfer of the Roboadvisor pension plans stated above or the redemption of your vested/economic rights, you will be obliged to return the total gross amount of the bonus received. Bankinter pension plans: The unit holder key information document is available at www.bankinter.com. The Pension Plan Promoter is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The Pension Fund Manager is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The Depositary for the Pension Funds is Bankinter, S.A.