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VARIABLE MORTGAGE
We lower the price of our mortgages
Because a great decision deserves even better conditions.
If terms and conditions are met (1)
NIR first year1.25%
Euribor +0.75%
Variable APR1.87%
Without fulfilling conditions3
NIR first year2.55%
Euribor +2.05%
Variable APR2.87%
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Investment Funds5
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IMPORTANT INFORMATION
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Show/Hide legal text1 5% interest-bearing accounts: Offer valid until 31.12.2022 for new and existing individual customers resident in Spain. Customers who wish to open a Salary/Pension/Business Account must have their salary/pension/professional income paid into the account for a minimum amount of €800 per month, and these payments must not be currently paid into any other Bankinter account. Moreover, none of the account holders may have held a Salary/Pension/Business/Non-Salary/Youth Salary Account at any time during the 12 months before opening this account and they must not have received any remuneration or return on any such account in the past. Customers may only hold one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a bonus current account is a current account featuring special financial terms and conditions, such as credit cards without any issuance or maintenance fees and no account maintenance fees.
Maximum interest-bearing balance of €5,000. 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 in the salary account of €5,000, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07.
To earn and retain all the benefits of our Salary/Business/Pension Account, you must maintain your declared level of income and pay at least three (3) direct debits out of the account per quarter. The card linked to the account must also remain active, meaning that it must be used to make at least three payments each quarter. For the Pension Account, activation of the linked credit card is not required. 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.
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If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €5,000 maintained for one year). This offer is available until 31/12/2022 for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer. SEE SURVEY DETAILS
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Show/Hide legal text3 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: 1,87%. Monthly instalment: €582.45 and a final instalment of €580.96. Arrangement Fee: 500,00€. Total interest: 24.733,51€. Interest rate for the first year: 1,25%. (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 (0,287% B.O.E. 02-06-2022) + a spread of 0.75%. Total repayment amount €187.251,32. Total cost: 37.251,32€. This example has been calculated on the assumption that the interest rates applicable after the first review will never be lower than the initial rate, so the first-year rate (NIR: 1.25%) to all mortgage instalments.
This variable APR was calculated taking into account:
- Arrangement of life insurance for an amount of €150,000.00 for 20 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 0.40 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).
- Comprehensive Home Insurance with minimum home content coverage of €30,000.00 and structure coverage equivalent to the appraisal value of the property for insurance purposes, to be arranged with Liberty Seguros and brokered by Bankinter, S.A., Operador de Banca-Seguro (discount of 0.20 percentage points).
- A pension plan/EPSV Have a pension plan/EPSV in place with Bankinter Seguros de Vida, belonging to Bankinter, S.A. Group, for the entire mortgage term and make a minimum annual contribution to it 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: 2,87%. Monthly instalment: €676.71 and a final instalment of €675.96. Arrangement Fee: 500,00€. Total interest: 53.012,25€. Interest rate for the first year: 2,55%. (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 (0,287% B.O.E. 02-06-2022) + a spread of 2.05%. Total repayment amount €209.085,81. Total cost: 59.085,81€. This variable APR has been calculated on the basis of taking out with Bankinter or a different provider the legally required home insurance policy for €100,000.00 with an estimated annual premium of €167,96, in addition to an annual maintenance fee of €45.00 for the current account required for collection of the instalments, the arrangement fee of €500.00 and appraisal costs of €249.56. This example has been calculated on the assumption that the interest rates applicable after the first review will never be lower than the initial rate, so the first-year rate (NIR: 2.55%) has been applied to all mortgage instalments.
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 repayment obtained includes the amount of interest (result of dividing the interest rate by 12, multiplied by the pending capital) and amount repayable (result of subtracting the interest from the repayment).
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 of 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 and are equal to the initial debit rate, so these variable APRs may vary with the interest rate reviews and they may also vary depending 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 the possibility of them losing the property, their liability and that of any other parties involved in the transaction will extend to all of their present and future assets.
Offer valid until 07/15/2022 or until the amount offered (750 million euros) has been reached.
The loan amount may not exceed 80.00% of the lower of these two values: the property purchase value or appraisal value. In the case of 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 text4 Broker account: This only applies to Bankinter Broker trading fees. It does not include fees, taxes or postage. The bonus will be paid as a stock market voucher ('Bono Bolsa') worth €1,000, which will be available the day after you open your securities account. Bankinter fees for any product or broker service, except for Foreign Currency, carried out online or via mobile during the first month will be discounted up to a maximum of €1,000. Promotion valid until 31/12/2022, exclusively for customers that open a securities account and who have never previously held a securities account at Bankinter.
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Show/Hide legal text5 Investment funds: Fund manager: Bankinter Gestión de Activos. Guarantor and depositary: Bankinter, S.A. The prospectus and key investor information document are available at all Bankinter branches, on our website bankinter.com and on the website of the Spanish National Securities Market Commission (www.cnmv.es).
The fund manager of the IIC is Bankinter Gestión de Activos, S.A., S.G.I.I.C., located at Calle Marqués de Riscal 11 bis and registered with the CNMV under registration no 55. The fund’s depositary is Bankinter, S.A., located at Paseo de la Castellana 29 and registered with the CNMV under registration no 27.