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Guide to your mortgage

Tips, steps, procedures, comparison tools... Everything you need to get to your new home.

MORTGAGE COMPARISON TOOL

Dual, Fixed-rate, Variable-rate, Mixed-rate, Youth?

Easily and quickly compare the main Bankinter mortgages: instalments, characteristics, advantages, interest, expenses... Everything in plain sight.

Mortgage type

How it works

Main advantage

Monthly instalment

Interest rate

Term

Maximum % to finance

Arrangement fee:

Mortgage expenses

You can combine variable and fixed interest at the same time, however you choose to split it, from day one.

You'll have the peace of mind of the fixed rate while taking advantage of the opportunities of the variable rate.

A single instalment with a variable part and a fixed part

A FIXED part and a Euribor + spread part

Maximum term: 30 years

80% primary residence 60% second home

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It varies and is reviewed according to the benchmark index, better known as the Euribor.

Subject to fluctuations in the Euribor.

Variable

Euribor + spread

Maximum term: 30 years

80% primary residence 60% second home

25 years If the terms and conditions are met¹ Euribor + 0.75% 2.50% NIR during the first year Variable APR 5.30%

25 years No terms and conditions¹ Euribor + 2.05% 3.80% NIR during the first year Variable APR 6.39%

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You pay the same instalment for the entire mortgage term.

Peace of mind. Payment amounts are not affected by fluctuations in the interest rate.

Income

FIXED forever

Maximum term: 30 years

80% primary residence 60% second home

20 years If the terms and conditions are met² 3.60% annual NIR APR 4.25%

20 years No terms and conditions² 4.90% annual NIR APR 5.31%

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A fixed interest rate for the first few years and a variable rate for the remaining years.

The maximum initial fixed-rate period may be up to 25 years (you can choose the number of years) and the rest of the term will be variable-rate.

Fixed-Rate + Variable-Rate

FIXED for the first few years
then Euribor + Spread

Maximum term: 30 years

80% primary residence 60% second home

25 years (fixed-rate for 20 years and variable-rate for 5 years) If the terms and conditions are met³ 3.45% annual NIR (for the 20 fixed-rate years) Euribor + 0.70% (the remaining years) 4.11% variable APR

25 years (fixed-rate for 20 years and variable-rate for 5 years) No terms and conditions³ 4.75% annual NIR (for the 20 fixed-rate years) Euribor + 2.05% (the remaining years) 5.17% variable APR

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It varies and is reviewed according to the Euribor. You can obtain up to 90% of the property value .
As it is a young person's mortgage, at least one of the holders must be under 36 years old.

Up to 90% financing for first-time homebuyers, so you'll need less savings when taking out your mortgage.

Variable

Euribor + spread

Maximum term: 30 years.

Up to 90% of the value of your home, using the lesser of the purchase price and the appraisal value as the benchmark.

30 years Euribor + 0.70% If the terms and conditions are met⁴ 2.45% NIR the first year Variable APR 5.25%

30 years Euribor + 2.00% No terms and conditions⁴ 3.75% NIR the first year Variable APR 6.35%

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It varies and is reviewed according to the Euribor. You can pay it off in up to 40 years. As it is a young person's mortgage, at least one of the holders must be under 36 years old.

You'll have more years to pay it off, so your monthly payment will be lower and you can make early repayments without penalty.

Variable

Euribor + spread

Maximum term: 40 years.

80% primary residence.

30 years Euribor + 0.70% If the terms and conditions are met⁴ 2.45% NIR the first year Variable APR 5.25%

30 years Euribor + 2.00% No terms and conditions⁴ 3.75% NIR the first year Variable APR 6.35%

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0€ administration fees, registration fees, notary fees 283,93€ appraisal

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During the first few years the interest rate is fixed and afterwards it will be variable. You can pay it off in up to 40 years. As it is a young person's mortgage, at least one of the holders must be under 36 years old.

You'll have more years to pay it off, so your monthly payment will be lower.

Variable

Euribor + spread

Maximum term: 40 years.

80% primary residence.

30 years Euribor + 0.70% If the terms and conditions are met⁴ 2.45% NIR the first year Variable APR 5.25%

30 years Euribor + 2.00% No terms and conditions⁴ 3.75% NIR the first year Variable APR 6.35%

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You can borrow up to 90% of the property value and pay the same instalment throughout the duration of the mortgage loan. As it is a young person's mortgage, at least one of the holders must be under 36 years of age.

Peace of mind. The monthly payment does not depend on interest rate fluctuations and you can obtain up to 90% financing for your first home, meaning you'll need less savings when taking out your mortgage.

Variable

Euribor + spread

Maximum term: 30 years.

Up to 90% of the value of your home, using the lesser of the purchase price and the appraisal value as the benchmark.

30 years Euribor + 0.70% If the terms and conditions are met⁴ 2.45% NIR the first year Variable APR 5.25%

30 years Euribor + 2.00% No terms and conditions⁴ 3.75% NIR the first year Variable APR 6.35%

Should you have

0€ administration fees, registration fees, notary fees 283,93€ appraisal

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During the first few years the interest rate is fixed and then becomes variable. You can borrow up to 90% of the property value. As it is a young person's mortgage, at least one of the holders must be under 36 years old.

Up to 90% financing for first-time homebuyers, so you'll need less savings when taking out your mortgage.

Variable

Euribor + spread

Maximum term: 30 years.

Up to 90% of the value of your home, using the lesser of the purchase price and the appraisal value as the benchmark.

30 years Euribor + 0.70% If the terms and conditions are met⁴ 2.45% NIR the first year Variable APR 5.25%

30 years Euribor + 2.00% No terms and conditions⁴ 3.75% NIR the first year Variable APR 6.35%

Should you have

0€ administration fees, registration fees, notary fees 283,93€ appraisal

Calculate

Combine variable and fixed interest at the same time, in the proportion you choose from day one. You can borrow up to 90% of the property value. As it is a young person's mortgage, at least one of the holders must be under 36 years old.

Up to 90% financing for first-time homebuyers, so you'll need less savings when taking out your mortgage.

Variable

Euribor + spread

Maximum term: 30 years.

Up to 90% of the value of your home, using the lesser of the purchase price and the appraisal value as the benchmark.

30 years Euribor + 0.70% If the terms and conditions are met⁴ 2.45% NIR the first year Variable APR 5.25%

30 years Euribor + 2.00% No terms and conditions⁴ 3.75% NIR the first year Variable APR 6.35%

Should you have

0€ administration fees, registration fees, notary fees 283,93€ appraisal

Calculate

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Your questions, and those asked by almost everyone else

¿Qué es el Euribor, la TIN y la TAE?

Euribor

Es el tipo de interés al que las entidades de crédito europeas se prestan el dinero entre sí y es el índice de referencia para las hipotecas variables. Al porcentaje que marca el euríbor, se le suma la parte fija que negocias para tu hipoteca variable, lo que conocemos como diferencial. Por eso si baja el euríbor tu cuota baja y si sube, sube.

El euríbor varía y se revisa en función del mercado.

TIN

Es el Tipo de Interés Nominal. Es decir, es un porcentaje fijo que se pacta por un dinero prestado. Sirve de base para calcular la TAE, por lo que es importante, pero no es una buena referencia para comparar préstamos.

No tiene por qué ser anual y no tiene en cuenta gastos, etc.

TAE

La TAE, o tasa anual equivalente, a diferencia del TIN o tipo de interés, que sólo recoge el precio que el banco cobra por prestarnos el dinero, tiene en cuenta los gastos y comisiones asociados al préstamo o crédito.

Por lo tanto, es lo más útil para comparar entre hipotecas del mismo tipo y mismo plazo.
Para hipotecas variables, la TAE solo es una referencia porque también irá variando con el euríbor.

¿Por qué es útil utilizar un comparador de hipotecas?

¿En qué hay que fijarse cuando comparas una hipoteca?

A continuación te explicamos en detalle los principales datos en los que te debes centrar a la hora de comparar hipotecas:

Comisiones

A la hora de firmar una hipoteca deberás tener en cuenta si existe algún tipo de comisión como pueden ser de apertura de hipoteca, comisiones por amortización o cancelación anticipada de la hipoteca. Es fundamental tener claros todos esos gastos extra para evitar sorpresas en el presupuesto final de tu vivienda.

Financiación

El porcentaje de financiación que pides al banco para un préstamo hipotecario puede variar en función de tus ahorros. En la actualidad, a la hora de pedir una hipoteca deberás tener ahorros para cubrir como mínimo el 20/30% del valor de la vivienda más los gastos que supone esta operación. Dicho esto, las entidades bancarias suelen prestar un 80% del valor de compra o tasación del inmueble si se trata de la vivienda habitual, y algo menos (entre el 65%-70%) si se trata de una segunda vivienda.

Tipo de interés

El tipo de interés (TIN) es un porcentaje que aplica el banco o la entidad financiera sobre el importe del préstamo. Es un concepto fundamentalmente usado por los bancos en contratos de depósitos, préstamos, créditos e hipotecas como es en este caso. Este tipo de interés puede ser a tipo fijo (un porcentaje constante), variable (índice de referencia + diferencial) o mixto (mix de las dos anteriores).

Ventajas de comparar hipotecas

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