Example for a €150,000 mortgage with a fixed term of up to 20 years and a maximum term of 30 years.
Sin tener que elegir
Una hipoteca que combina el tipo de interés fijo en los primeros años yvariable en el resto.Tailored offer
Simulate and request a non-binding customised offer. You can work out the costs with real figures: repayments, taxes, etc.Personal manager
You will always have the help and assistance of a personal manager.Without adding anything to your mortgage
Management, registration, notary expenses and stamp duty.
Applying for your mortgage is really easy, with just three simple steps.
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Calculate your mortgage
Just enter the amount and term to find out your monthly repayment and taxes, etc. for the different types of mortgages.
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Request your personalised offer
We'll ask you for some additional information so that we can put together a detailed offer that suits your circumstances.
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Signed
When we send you your personalised offer, we'll tell you which documents you need to provide for that long-awaited moment: signing on the dotted line.
Offer valid until the total amount offered (25 million euros) has been reached.
Preguntas frecuentes sobre la Hipoteca Mixta Bankinter
Ver What is the maximum and minimum amount I can request? What is the maximum and minimum amount I can request?
The loan amount may not exceed 80% of the lower of the property's purchase value or appraisal value for primary residences and 60% for second homes.
The minimum is 60,000 euros.
Ver What is the maximum number of years? What is the maximum number of years?
The maximum mortgage term is 30 years, provided that none of the holders is over 75 years old at the end of the term.
Ver What are the expenses related to this mortgage? What are the expenses related to this mortgage?
The customer pays the appraisal cost and the arrangement fee of 500 euros.
The Bank will pay the expenses of the Notary, registry, management agency and stamp duty (the amount of which varies depending on the autonomous community where the mortgage is arranged), except in the Autonomous Community of the Basque Country (where the customer pays such costs, except for the acquisition of a primary residence which is exempt from this tax).
Ver ¿Hasta cuándo son válidas estas condiciones? ¿Hasta cuándo son válidas estas condiciones?
Oferta válida hasta el - o hasta alcanzar el importe ofertado (25 millones de euros). La concesión de la hipoteca está sujeta a la aprobación de la solicitud por parte de Bankinter, S.A.
Ver Who can apply for a fixed-rate mortgage? Who can apply for a fixed-rate mortgage?
Exclusive conditions for individuals who are resident in Spain and looking to buy their primary residence or second home. For holders with a monthly income of more than €2,500.
Ver can I request a mortgage if I am a foreigner or non-resident? can I request a mortgage if I am a foreigner or non-resident?
Ask about our conditions for foreigners and non-residents. Should we call you?
Ver ¿Qué diferencias hay entre una hipoteca fija, variable y mixta? ¿Qué diferencias hay entre una hipoteca fija, variable y mixta?
La diferencia más importante entre una hipoteca fija, una hipoteca variable y una hipoteca mixta es, principalmente, es la forma en que pagamos la hipoteca. Esta diferencia también implica condiciones financieras diferentes. Si dudamos entre ellas, tendremos que centrarnos en tres aspectos: el tipo de interés, el plazo y la cuota.
En una hipoteca fija, el tipo de interés se mantiene constante durante toda la vida del préstamo hipotecario. Esto nos resultará cómodo, porque siempre conoceremos nuestra cuota y no habrá sorpresas cuando suba el índice de referencia (normalmente, el euríbor). Además, el plazo de devolución de los préstamos hipotecarios fijos suele ser menor, y por tanto, las cuotas suelen ser más elevadas.
En cambio, en la hipoteca variable el tipo de interés viene determinado por ese índice de referencia y además un diferencial fijo. Esto significa que la cuota podrá ser mayor o menor en función del índice de referencia; lo normal es actualizar el tipo de interés cada seis meses. Por el contrario, el plazo de devolución de los préstamos hipotecarios variables suele ser mayor, lo que permite pagar cuotas más reducidas.
Por último, la hipoteca mixta combina una cuota mensual a tipo fijo durante los primeros años, y el resto a tipo variable. Hay que apuntar que durante el primer año aproximadamente, la hipoteca variable también tiene un interés fijo de salida, y tras este tiempo ya pasa a combinar el índice de referencia más el diferencial.
Ver ¿Qué diferencias hay entre la hipoteca mixta y la hipoteca Dual? ¿Qué diferencias hay entre la hipoteca mixta y la hipoteca Dual?
En la hipoteca mixta no conviven al mismo tiempo el tipo de interés fijo y variable, sino que pagas unos años a tipo fijo y los siguientes a tipo variable. Podrás elegir cuántos años dura el período inicial a tipo fijo y el resto de años serán a tipo variable.
Mientras que en la hipoteca dual, sí conviven simultáneamente ambos tipos de interés en cada cuota mensual de la hipoteca.
Ver What is the difference between interest rates with and without discounts? What is the difference between interest rates with and without discounts?
We offer optional products and services as a package for the customer when arranging the mortgage. If the customer does not want these combined products and services, the spread or interest rate increases, depending on whether it is a variable- or fixed-rate mortgage.
Ver How can I improve the interest rate? How can I improve the interest rate?
The interest rate varies depending on the term you choose and the discounts applied.
The following products are optional. However, if they are not included the rate applied will be increased by the percentage points corresponding to the sum of each of the products not included.
- Salary Account, Business Account or Non-Salary Account (discount of 0.30 percentage points).
- Life insurance covering the full mortgage amount, arranged 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).
- Pension plan/voluntary pension scheme: have a pension plan/voluntary 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 to it of €600 (bonus of 0.10 percentage points).
Checks will be made each year to ensure that the requirements for receiving the discount have been fulfilled.
Ver What happens if I don't renew the products and services that improve the interest rate? What happens if I don't renew the products and services that improve the interest rate?
If you include these products and subsequently cancel or fail to renew them, the initial spread or interest rate of the mortgage will increase for your future mortgage repayments.
Ver What documents do I need to supply to apply for a mortgage? What documents do I need to supply to apply for a mortgage?
The bank will usually request the following information: the ID number of the applicant(s) for the mortgage loan, the deeds of other properties owned, the personal income tax return for the last year, the deposit contract or deposit, if it has already been signed, etc. And the best thing is that you can simulate your mortgage and ask us for a personalised offer. One of our managers will help you in this process and will ask you for the documents needed in your case. Help will be available at all times.
Ver What if I want to transfer my mortgage from another bank? What if I want to transfer my mortgage from another bank?
Consult our mortgage subrogation simulator. You can assess and compare, at a glance, the cost of your current mortgage with Bankinter's different options. With no commitment. All we need are a few simple details.
At Bankinter, we help you understand the small print that is so hard to read. We set it out with representative examples.
IMPORTANT INFORMATION
- VIEW THE MIXED MORTGAGE PRE-CONTRACT FACTSHEET
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Desplegar/Plegar texto legal1 The APRs have been calculated taking into account the following:
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.
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.
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.
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.
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Desplegar/Plegar texto legalThe 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 Generali Seguros y Reaseguros, S.A.U. 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).
Checks will be made each year to ensure that the requirements for receiving the discount have been fulfilled.
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 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 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.
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.