FIXED-RATE MORTGAGE

IMPORTANT INFORMATION

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  ¹ Fixed-rate 10-year mortgage: Below is an example of the APR calculated for a mortgage offered by Bankinter, S.A. based on the following characteristics:
  

  Mortgage amount: 150.000€. Term of loan: 10 years (120 monthly repayments). AER: 3,73%. Monthly instalments for 10 years: €1,447.72, and a final instalment of €1,447.52. Arrangement fee: 500,00€. Total interest: 23.726,20€. Technical interest rate: 2,99%. (120 months). Monthly repayments. Total repayment amount €179,183.06. Total cost: 29.183,06€.

  This APR has been calculated on the following basis:

  - Arrangement of life insurance for an amount of 150.000,00 Euros for 10 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 purchased the above rate (2.99%) will be increased by 1.30% corresponding to the sum of each of the products not purchased. Accordingly, if none of the conditions are met the fixed rate will be 4.29% (APR 4.75%). Monthly instalments for 10 years: €1,539.44 and a final instalment of €1,538.97. Total interest: 34.732,33€. Total amount repayable: 187.611,49. Total cost: 37.611,49€. This APR has been calculated on the basis of arranging 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 payment of the instalments, an arrangement fee of €500.00 and appraisal costs 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 APRs have been calculated taking into account the following:

  1. The 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 APRs that are not quantifiable when the calculation is made, the APRs will be calculated on the assumption that the debit rate and other costs will remain unchanged with regard to the level set at the time the agreement was signed.

  3. These APRs may vary depending on the transaction amount and term. These APRs have been calculated on the assumption that there will be no partial or total cancellation of the mortgage. They do not include the costs which the customer/borrower would have to pay for the breach of any of the obligations in 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 -- or until the total amount offered (25 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 10 years, provided that none of the holders is over 75 years old at the end of the term.

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  ² Fixed-rate 15-year mortgage: Below is an example of the APR calculated for a mortgage offered by Bankinter, S.A. based on the following characteristics:
  

  Mortgage amount: 150.000€. Term of loan: 15 years (180 monthly instalments).APR: 3,67%. Monthly instalments for 15 years: €1,035.15, and a final instalment of €1,035.43. Arrangement fee: 500,00€. Total interest: 36.327,28€. Technical interest rate: 2,99%. (180 months). Monthly repayments. Total repayment amount €194,137.79. Total cost: 44.137,79€.

  This APR has been calculated on the following basis:

  - Arrangement of life insurance for an amount of 150.000,00 Euros for 15 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 purchased the above rate (2.99%) will be increased by 1.30% corresponding to the sum of each of the products not purchased. Accordingly, if none of the conditions are met the fixed rate will be 4.29% (APR 4.70%). Monthly instalments for 15 years: €1,131.46 and a final instalment of €1,130.66. Total interest: 53.662,00€. Total amount repayable: 207.605,96. Total cost: 57.605,96€. This APR has been calculated on the basis of arranging 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 payment of the instalments, an arrangement fee of €500.00 and appraisal costs 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 repayments 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 APRs have been calculated taking into account the following:

  1. The 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 APRs that are not quantifiable when the calculation is made, the APRs will be calculated on the assumption that the debit rate and other costs will remain unchanged with regard to the level set at the time the agreement was signed.

  3. These APRs may vary depending on the transaction amount and term. These APRs have been calculated on the assumption that there will be no partial or total cancellation of the mortgage. They do not include the costs which the customer/borrower would have to pay for the breach of any of the obligations in 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 -- or until the total amount offered (25 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 15 years, provided that none of the holders is over 75 years old at the end of the term.

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  ³ Fixed-rate 20-year mortgage: Below is an example of the APR calculated for a mortgage offered by Bankinter, S.A. based on the following characteristics:
  

  Mortgage amount: 150.000€. Term of loan: 20 years (240 monthly repayments). AER: 3,63%. Monthly instalments over 20 years: €831.15, and a final instalment of €829.67. Arrangement fee: 500,00€. Total interest: 49.474,52€. Technical interest rate: 2,99%. (240 months). Monthly repayments. Total repayment amount €209,638.68. Total cost: 59.638,68€.

  This APR has been calculated on the following basis:

  - 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 0.30 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 purchased the above rate (2.99%) will be increased by 1.30% corresponding to the sum of each of the products not purchased. Accordingly, if none of the conditions are met the fixed rate will be 4.29% (APR 4.67%). Monthly instalments over 20 years: €932.06 and a final instalment of €930.11. Total interest: 73.692,45€. Total amount repayable: 228.701,21. Total cost: 78.701,21€. This APR has been calculated on the basis of arranging 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 payment of the instalments, an arrangement fee of €500.00 and appraisal costs 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 APRs have been calculated taking into account the following:

  1. The 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 APRs that are not quantifiable when the calculation is made, the APRs will be calculated on the assumption that the debit rate and other costs will remain unchanged with regard to the level set at the time the agreement was signed.

  3. These APRs may vary depending on the transaction amount and term. These APRs have been calculated on the assumption that there will be no partial or total cancellation of the mortgage. They do not include the costs which the customer/borrower would have to pay for the breach of any of the obligations in 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 - or until the total amount offered (25 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 20 years, provided that none of the holders is over 75 years old at the end of the term.

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  ⁴ Fixed-rate 25-year mortgage: Below is an example of the 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). AER: 3,60%. Monthly instalments for 25 years: €710.54, and a final instalment of €709.06. Arrangement fee: 500,00€. Total interest: 63.160,52€. Technical interest rate: 2,99%. (300 months). Monthly repayments. Total repayment amount €225,678.33. Total cost: 75.678,33€.

  This APR has been calculated on the following basis:

  - 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 purchased the above rate (2.99%) will be increased by 1.30% corresponding to the sum of each of the products not purchased. Accordingly, if none of the conditions are met the fixed rate will be 4.29% (APR 4.65%). Monthly instalments for 25 years: €815.97 and a final instalment of €816.35. Total interest: 94.791,38€. Total amount repayable: 250.864,94. Total cost: 100.864,94€. This APR has been calculated on the basis of arranging 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 payment of the instalments, an arrangement fee of €500.00 and appraisal costs 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 APRs have been calculated taking into account the following:

  1. The 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 APRs that are not quantifiable when the calculation is made, the APRs will be calculated on the assumption that the debit rate and other costs will remain unchanged with regard to the level set at the time the agreement was signed.

  3. These APRs may vary depending on the transaction amount and term. These APRs have been calculated on the assumption that there will be no partial or total cancellation of the mortgage. They do not include the costs which the customer/borrower would have to pay for the breach of any of the obligations in 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 -- or until the total amount offered (25 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 25 years, provided that none of the holders is over 75 years old at the end of the term.

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  ⁵ Fixed-rate 30-year mortgage: Below is an example of the APR calculated for a mortgage offered by Bankinter, S.A. based on the following characteristics:
  

  Mortgage amount: 150.000€. Term of loan: 30 years (360 monthly repayments). AER: 3,57%. Monthly repayment for 30 years: €631.60, and a final instalment of €629.93. Arrangement fee: 500,00€. Total interest: 77.374,33€. Technical interest rate: 2,99%. (360 months). Monthly repayments. Total repayment amount €242,245.79. Total cost: 92.245,79€

  This APR has been calculated on the following basis:

  - Arrangement of life insurance for an amount of 150.000,00 Euros for 30 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 purchased the above rate (2.99%) will be increased by 1.30% corresponding to the sum of each of the products not purchased. Accordingly, if none of the conditions are met the fixed rate will be 4.29% (APR 4.63%). Monthly repayment for 30 years: €741.43 and a final instalment of €739.04. Total interest: 116.912,41€. Total amount repayable: 274.050,77. Total cost: 124.050,77€. This APR has been calculated on the basis of arranging 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 payment of the instalments, an arrangement fee of €500.00 and appraisal costs 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 APRs have been calculated taking into account the following:

  1. The 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 APRs that are not quantifiable when the calculation is made, the APRs will be calculated on the assumption that the debit rate and other costs will remain unchanged with regard to the level set at the time the agreement was signed.

  3. These APRs may vary depending on the transaction amount and term. These APRs have been calculated on the assumption that there will be no partial or total cancellation of the mortgage. They do not include the costs which the customer/borrower would have to pay for the breach of any of the obligations in 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 -- or until the total amount offered (25 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. 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.