Just a mortgage, nothing else. Simply: your home.
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We’ve made buying a home easier, more human and more personal.
A home isn’t four walls, it’s a thousand stories.
Capital comes naturally to us.
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Discover the steps to find, buy and enjoy your new home.
APR, NIR, Euribor... Don’t be intimidated by the jargon, it’s all explained in our glossary.
Just ask and we’ll answer.
Got questions? Don't worry – that's perfectly normal.
This calculation is based on the data provided by the user and the results will
vary depending on the data entered in each query. The operation is subject to the approval of the financial
institution and does not constitute a binding contract offer by Unión de Créditos Inmobiliarios, S.A.,
Establecimiento Financiero de Crédito (UCI). UCI shall not be liable for any direct or indirect damage or injury
caused to the user as a result of using this simulation in decision-making. A mortgage loan transaction with a term
of 30 years was taken as a reference for this calculation. The sum of the applicant’s age and term of the loan
cannot exceed 75 years. The applicant must be resident in Spain and the mortgage used to purchase their main
YOUR MORTGAGE LOOKS GOOD WITH AN INSURANCE
Ensure your future with us
The things that really matter should be taken care of, don't you think?
Find an insurance designed for your mortgage and for your life.
INSURANCE AS BIG AS A HOUSE
Home insurance S1
EVERYTHING CHANGES, EVERYTHING STAYS THE SAME
Payment protection insurance S2
BE PREPARED FOR THE ‘JUST IN CASE’
Life insurance S3
Acronyms and jargon are not our thing. We say it in plain language.
APR stands for Annual Percentage Rate and is a financial term that can be defined as the interest rate that indicates the cost or effective yield of a financial product during the term established for the operation.
NIR stands for Nominal Interest Rate It is the percentage applied to the outstanding loan capital to calculate the interest that the borrower has to pay the bank or financial institution for the money lent.
Acronym for ‘European Interbank Offered Rate,’ it is the interest rate at which the main financial institutions lend money to each another on the interbank market. One-year Euribor is the most widely used benchmark rate for variable rate loans, and is published monthly by the Bank of Spain.
Part of the price advanced by the buyer in a contract of sale as a guarantee that they will purchase the property.
Our agents are licensed to market Hipotecas.com products as mortgage
S1 Home insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, marketed with the insurance company Liberty Seguros, compañía de Seguros y Reaseguros, S.A.
S2 Payment protection insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, marketed with the insurance companies Cardif Assurance Vie, Sucursal España and CNP Partners de Seguros y Reaseguros, S.A.
S3 Life insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, marketed with the insurance companies Cardif Assurance Vie, Sucursal España and CNP Partners de Seguros y Reaseguros, S.A.
S Insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, registered with the Directorate-General for Insurance and Pension Funds (DGSFP) under no. OV-0076. Civil liability and financial capacity covered according to current legislation. Insurance companies: Cardif Assurances Risques Divers Suc. España, Santander Seguros y Reaseguros, Compañía Aseguradora, S.A., Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A. (Caser), Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., CNP Partners de Seguros y Reaseguros, S.A., Cardif Assurance Vie, Sucursal España. For more information, visit the DGSFP’s Single Point of Information at: http://www.dgsfp.mineco.es/