MORTGAGE CALCULATOR

Your calculation results

Enter the price of the property, the funds you need and your preferred repayment period.

Property price

€

1.000.000

75000 €

Mortgage amount

€

60000

Mortgage term

Select your preferred mortgage

Costs related to the Fixed-Rate Mortgage

Costs related to the Fixed-Rate Mortgage
Item	Purchase	Mortgage
Taxes
Notary
Register
Consultant
Appraisal
Total

Costs related to the Mixed Mortgage

Costs related to the Mixed Mortgage
Item	Purchase	Mortgage
Taxes
Notary
Register
Consultant
Appraisal
Total

Costs related to the Variable-Rate Mortgage

Costs related to the Variable-Rate Mortgage
Item	Purchase	Mortgage
Taxes
Notary
Register
Consultant
Appraisal
Total

Costs related to the Dual Mortgage

Costs related to the Dual Mortgage
Item	Purchase	Mortgage
Taxes
Notary
Register
Consultant
Appraisal
Total

Check the information without applying the discounts.

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See terms and conditions. Terms and conditions

Mixed mortgage

Total mortgage term: 20 years.

Fixed-rate tranche: 10 years.

Interest rate first 10 years: % NIR.

Interest rate remaining years: Euribor year .

APR: % ¹.

Fixed tranche constant payment: /month.

Payment remaining years (Euribor + )²: . Euribor current: (% BOE [Official State Gazette] ).

Amount to finance: . Up to 80% of the property value if it is the primary residence up to 60% if it is a second home (the lesser of the purchase price or appraisal value).

Amount not financed by the mortgage: (difference between the property price and the mortgage amount + total costs of setting up mortgage + total purchase costs).

Calculation valid for residents in Spain. Non-residents please check with the Bank.

Calculation valid for new mortgages only.

Fixed rate:

Partial or total early redemption/cancellation fee: 2% the first 10 years of the mortgage and 1.5% the remaining period (only if there is a financial loss).

Fee for subrogation of creditor: 2% the first 10 years of the mortgage and 1.5% the remaining period (only if there is a financial loss).

Variable rate:

Partial or total early redemption/cancellation fee: 0%.

Novation fee for switching from variable to fixed interest rate: 0%.

Fee for subrogation of variable to fixed interest: 0.05% the first three years of the mortgage (only if there is a financial loss); remaining years 0%.

Other fees: 0%.

This calculation includes the following discounts (optional) ³that apply to both tranches of the mortgage:

•Hogar (Bonificación de 0.3 %)

•Vida Individual (Bonificación de 0.6 %)

•Plan de Pensiones / EPSV (Bonificación de 0.1 %)

• Nómina, No-nómina, Pensión, Profesional (Bonificación de 0.3 %)

Fixed-rate mortgage

Total mortgage term: 20 years.

Interest rate: % NIR.

APR: %.

Constant payment: /month.

Arrangement fee: .

Amount to finance: . Up to 80% of the property value if it is the primary residence up to 60% if it is a second home (the lesser of the purchase price or appraisal value).

Amount not financed by the mortgage: (difference between the property price and the mortgage amount + total costs of setting up mortgage + total purchase costs).

Calculation valid for residents in Spain. Non-residents please check with the Bank.

Calculation valid for new mortgages only.

Partial or total early redemption/cancellation fee: 2% the first 10 years of the mortgage and 1.5% the remaining period (only if there is a financial loss).

Fee for subrogation of creditor: 2% the first 10 years of the mortgage and 1.5% the remaining period (only if there is a financial loss).

Other fees: 0%.

This calculation includes the following discounts (optional ³):

•Hogar (Bonificación de 0.3 %)

•Vida Individual (Bonificación de 0.6 %)

•Plan de Pensiones / EPSV (Bonificación de 0.1 %)

• Nómina, No-nómina, Pensión, Profesional (Bonificación de 0.3 %)

Variable-rate mortgage

Total mortgage term: 20 years.

Interest rate first 12 months: %NIR.

Interest rate remaining years: Euribor year .

APR: % ¹.

Constant payment first 12 months: /month.

Payment remaining years (Euribor + )²: . Euribor current: (% BOE [Official State Gazette] ).

Arrangement fee: .

Amount to finance: . Up to 80% of the property value if it is the primary residence up to 60% if it is a second home (the lesser of the purchase price or appraisal value).

Amount not financed by the mortgage: (difference between the property price and the mortgage amount + total costs of setting up mortgage + total purchase costs).

Calculation valid for residents in Spain. Non-residents please check with the Bank.

Calculation valid for new mortgages only.

Partial or total early redemption/cancellation fee: 0%.

Novation fee for switching from variable to fixed interest rate: 0%.

Fee for subrogation of variable to fixed interest: 0.05% the first three years of the mortgage (only if there is a financial loss); remaining years 0%.

Other fees: 0%.

This calculation includes the following discounts (optional) ³that apply to both tranches of the mortgage:

•Hogar (Bonificación de 0.3 %)

•Vida Individual (Bonificación de 0.6 %)

•Plan de Pensiones / EPSV (Bonificación de 0.1 %)

• Nómina, No-nómina, Pensión, Profesional (Bonificación de 0.3 %)

Dual mortgage

Total mortgage term: 20 years.

Interest rate first 12 months:

• Fixed rate: %NIR.

• Variable rate: %NIR.

Interest rate remaining years:

• Fixed rate: %NIR.

• Variable rate: Euribor year .

APR:

• Fixed rate: %.

• Variable rate: % ¹.

• Global Rate: % ¹.

Constant payment first 12 months:

• Fixed rate: /month.

• Variable rate: /month.

Monthly payment remaining years

• Fixed rate: .

• Variable rate: ()²: . Euribor current: (% BOE [Official State Gazette] ).

Arrangement fee: .

Amount to finance: . Up to 80% of the property value if it is the primary residence up to 60% if it is a second home (the lesser of the purchase price or appraisal value).

Amount not financed by the mortgage: (difference between the property price and the mortgage amount + total costs of setting up mortgage + total purchase costs).

Calculation valid for residents in Spain. Non-residents please check with the Bank.

Calculation valid for new mortgages only.

Partial or total early redemption/cancellation fee: 0%.

Novation fee for switching from variable to fixed interest rate: 0%.

Fee for subrogation of variable to fixed interest: 0.05% the first three years of the mortgage (only if there is a financial loss); remaining years 0%.

Other fees: 0%.

This calculation includes the following discounts (optional) ³that apply to both tranches of the mortgage:

•Hogar (Bonificación de 0.3 %)

•Vida Individual (Bonificación de 0.6 %)

•Plan de Pensiones / EPSV (Bonificación de 0.1 %)

• Nómina, No-nómina, Pensión, Profesional (Bonificación de 0.3 %)

IMPORTANT INFORMATION

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These calculations are solely indicative, and in any case the transaction is subject to subsequent approval. Consequently, it does not constitute a binding offer of contract for the Bank.
Desplegar/Plegar texto legal
¹ For loans where part of the settlement is referenced to the Euribor, the APR 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-tranche rate has been applied to all mortgage payments. For loans where part of the amount is at a fixed rate and part at a variable rate, the overall APR is calculated taking into account the APR calculation hypotheses for each tranche.
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² For loans where part of the settlement is referenced to the Euribor, the instalment has been calculated for the first tranche, using the same criteria applied to calculate the APR.
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³ These products are optional, but the above interest rate will be increased by the percentage points corresponding to each product not purchased.

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