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Just a mortgage, nothing else. Simply: your home.
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Choose a mortgage option and add our insurance and services.
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Mortgage Experts
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Mortgage Experiences
A home isn’t four walls, it’s a thousand stories.
Capital comes naturally to us.
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Learn about mortgage
Discover the steps to find, buy and enjoy your new home.
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Mortgage dictionary
APR, NIR, Euribor... Don’t be intimidated by the jargon, it’s all explained in our glossary.
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FAQ
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VIVE MORTGAGE
I need a mortgage to buy a house
Take out a mortgage to buy a new home. Whether fixed, mixed or variable-rate, we’ve got a mortgage for you. Just a mortgage, nothing else. A real good one.
I just want a house, nothing else.
Your graduation, your first job, having a child... there are moments in life that you never forget. Building a home is one of them.
At Hipotecas.com, we know you’re different. That’s why we offer solutions tailored to you. Listening and accompanying you every step of the way.
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Committed to the environment
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Bespoke financial solutions
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Choose between 7- and 30-year mortgage terms
Bespoke mortgage solutions for everyone.
Including you.
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We’re interested, yes. Interested in you and your project
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Fixed Rate
"Let the good times continue"Your 10- to 30-year fixed rate mortgage-
Fixed 10
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Type5.950%
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APR T16.546%
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Mixed Rate
‘Evolves with your lifestyle’3, 5 or 10 years at a fixed interest rate. The rest at a variable rate up to 30 years-
Mixed 10
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Type4.950%
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Euribor*+1.290%
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APRVariable T65.385%
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Variable Rate
‘It changes, just like you do’1 year at a fixed interest rate and the rest at a variable rate up to 30 years-
Variable 1
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Type4.750%
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Euribor*+1.890%
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APRVariable T76.203%
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*During the variable period, the rate will be reviewed every six months based on the latest Euribor published prior to the review date.
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T1 Fixed 10
Conditions:
5,950% NIR.
6,546% APR.
Representative example for a loan amount of 150.000,00 and a term of 10 years.
The basic characteristics and conditions of the operation would be:
- Fixed nominal interest rate of 5,950% for 10 years.
- The APR of the loan is 6,546%, which represents the total cost of the loan to you, expressed as an annual percentage of the total amount of the loan granted, plus the associated costs, if any, and which equates, on an annual basis, to the present value of all commitments, such as drawdowns, repayments and charges, agreed by the Financial Institution and you, as set out in Circular 5/2012 of the Bank of Spain.
The APR was calculated on the assumption that the loan runs to term and that you will perform your obligations in accordance with the terms of the agreement.
The APR may also vary depending on the term.
The following costs were taken into account when calculating the APR:
1) Arrangement fee of 2.250,00, as a result of applying 1,5% to a loan amount of 150.000,00.
2) Estimated appraisal cost of 484,00€ on the main guarantee.
- Monthly repayment of %C_INICIAL% from instalment 1 to 119. In addition, there will be a final instalment of 1.662,12 in month 120 to adjust the amount repaid so that the final outstanding balance is 0 euros. The 1.662,12 instalment is calculated by adding the outstanding capital of instalment 119, which is 1.662,12, and the interest payable on instalment 120, which is 8,20.
- The repayment system used will be the French system, according to which throughout the life of the loan, the installment to be paid will remain constant, with the exception of the last installment as explained in the previous section.
The total amount due on the operation is 202.119,38, of which 150.000,00 corresponds to the principal and 52.119,38 is the total cost of the loan to the consumer, which includes 49.385,38 in interest, 2.250,00 for the arrangement fee and an estimated appraisal cost of 484,00€ on the main guarantee.
This is a mortgage-secured loan; therefore, the borrower is liable for the repayment of the loan with the mortgaged property and all of their assets. In the event of default by the borrower, the Financial Institution may initiate legal proceedings that could result in the auction of the mortgaged property/properties and the seizure of other assets or income until the loan has been repaid in full.
This Financial Institution adheres to the Code of Good Practices for the viable restructuring of debts secured by mortgages on main residences.
The early repayment fee will be 0% if and when the sum of said payments over the preceding 12 months is less than 25% of the principal pending at the start of said period. If the early repayment is equal to or greater than 25% of the principal pending at the start of the 12 month period, the commission payable will be: 2,00% in the first 10 years of the loan. This commission may not, under any circumstance, exceed the amount of the financial loss for the institution, as per las 5/2019 of March 15th which regulates real estate credit agreements.
This document contains a representative example of a loan based on the financial terms set out in the document (fixed interest rate and arrangement fee). It is for illustrative purposes only and intended to show in numerical form the evolution of instalments over a given period of time. It does not constitute a contract offer by Unión de Créditos Inmobiliarios S.A., Establecimiento Financiero de Crédito.
The mathematical formula used to determine the monthly repayment instalment is shown below. This formula is used to calculate the repayment instalment, including interest and principal, in accordance with the French repayment system.
Calculation of the monthly instalment: Instalment=(CxNIR/12)/(1-(1+NIR)/12)-term)
Where: C: outstanding loan capital; NIR: nominal annual interest rate expressed as a percentage; Term: number of monthly instalments.
Calculation of the interest portion: Interest=CxNIR/12.
Where: C: outstanding loan capital; NIR: nominal annual interest rate expressed as a percentage.
Calculation of the principal portion: the instalment less interest.
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T6 Mixed 10
Conditions:
4,950% NIR.
5,385% Variable APR
Representative example for a loan amount of 150.000,00€ and a term of 10 years.
The basic characteristics and conditions of the operation would be:
- Fixed nominal interest rate of 4,950% for the first 10 years.
- From year 11 (the start of the variable period), the loan instalment will be calculated at the start of the period and then every six months based on the latest Euribor published, plus the agreed interest-rate spread (1,290%). If, based on the above calculation, the interest rate is negative, no interest will be payable to the customer as this loan is not free, and interest is only payable to the Financial Institution.
- The Variable APR of the loan is 5,385%, which represents the total cost of the loan to you, expressed as an annual percentage of the total amount of the loan granted, plus the associated costs, if any, and which equates, on an annual basis, to the present value of all commitments, such as drawdowns, repayments and charges, agreed by the Financial Institution and you, as set out in Circular 5/2012 of the Bank of Spain.
The Variable APR was calculated on the assumption that the loan runs to term and that you will perform your obligations in accordance with the terms of the agreement.
This Variable APR has been calculated on the assumption that the benchmark interest rates will not change; therefore, the Variable APR will change each time the interest rate is reviewed. The Variable APR may also change depending on the term.
Bear in mind that this Variable APR was calculated in accordance with Law 5/2019 governing real estate loan agreements, which requires that the Variable APR be calculated using the higher of the two interest rates between that agreed for the initial period, which is 4,950%, and the interest rate agreed for the subsequent period, which is 5,363% and calculated by adding the Euribor rate at the time of taking out the loan (Euribor for the month of august published on 02/09/2023 at 4,073 %) and an interest-rate spread of 1,290%. In this case, the first interest rate (5,363) is the higher of the two and was therefore used to calculate the Variable APR.
The following costs were taken into account when calculating the Variable APR:
1) Arrangement fee of 2.250,00€, as a result of applying 1,5% to a loan amount of 150.000,00€.
2) Estimated appraisal cost of 484,00€ on the main guarantee.
- Monthly repayment of 872,52 for the first 10 years.
- From year 11 to instalment 299, the expected instalment would be 896,48€ per month. In addition, the final instalment would be for 895,76€ to adjust the amount repaid so that the final outstanding balance is 0€. The 895,76€ instalment is calculated by adding the outstanding capital of instalment 299, which is 891,77€, and the interest payable on instalment 300, which is 3,99€.
- The repayment system used is the French one, whereby the instalments payable in the first 10 years are for a fixed amount. Subsequently, from year 11 onwards, the instalment amount will be fixed for six-month periods, changing on the review date, and then remaining the same until the next review at the end of six months, except for the final instalment, as explained in the previous paragraph.
The total amount due on the operation is 268.802,08€, of which 150.000,00€ corresponds to the principal and 118.802,08€ is the total cost of the loan to the consumer, which includes 116.068,08€ in interest, 2.250,00€ for the arrangement fee and an estimated appraisal cost of 484,00€ on the main guarantee.
This is a mortgage-secured loan; therefore, the borrower is liable for the repayment of the loan with the mortgaged property and all of their assets. In the event of default by the borrower, the Financial Institution may initiate legal proceedings that could result in the auction of the mortgaged property/properties and the seizure of other assets or income until the loan has been repaid in full.
This Financial Institution adheres to the Code of Good Practices for the viable restructuring of debts secured by mortgages on main residences.
A 0% early repayment fee if the sum of partial repayments made in the last 12 months is less than 25% of the capital outstanding at the beginning of that period. If the early repayment is greater than or equal to 25% of the outstanding capital at the beginning of the last 12 months, the commission may not exceed the amount of the entity's financial loss, with a limit of 2.00% for the first 10 years and 1.50% from the 11th year onwards, in accordance with Law 5/2019, of 15 March, regulating real estate credit contracts. This fee shall be calculated on the amount repaid in advance.
This document contains a representative example of a loan based on the financial terms set out in the document (fixed interest rate and arrangement fee). It is for illustrative purposes only and intended to show in numerical form the evolution of instalments over a given period of time. It does not constitute a contract offer by Unión de Créditos Inmobiliarios S.A., Establecimiento Financiero de Crédito.
The mathematical formula used to determine the monthly repayment instalment is shown below. This formula is used to calculate the repayment instalment, including interest and principal, in accordance with the French repayment system.
Calculation of the monthly instalment: Instalment=(CxNIR/12)/(1-(1+NIR)/12)-term)
Where: C: outstanding loan capital; NIR: nominal annual interest rate expressed as a percentage; Term: number of monthly instalments.
Calculation of the interest portion: Interest=CxNIR/12.
Where: C: outstanding loan capital; NIR: nominal annual interest rate expressed as a percentage.
Calculation of the principal portion: the instalment less interest.
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T7 Variable 1
Conditions:
4,750% NIR.
6,203% Variable APR
Representative example for a loan amount of 150.000,00€ and a term of 25 years.
The basic characteristics and conditions of the operation would be:
- Fixed nominal interest rate of 4,750% for the first 1 years.
- From year 2 (the start of the variable period), the loan instalment will be calculated at the start of the period and then every six months based on the latest Euribor published, plus the agreed interest-rate spread (1,890%). If, based on the above calculation, the interest rate is negative, no interest will be payable to the customer as this loan is not free, and interest is only payable to the Financial Institution.
- The Variable APR of the loan is 6,203%, which represents the total cost of the loan to you, expressed as an annual percentage of the total amount of the loan granted, plus the associated costs, if any, and which equates, on an annual basis, to the present value of all commitments, such as drawdowns, repayments and charges, agreed by the Financial Institution and you, as set out in Circular 5/2012 of the Bank of Spain.
The Variable APR was calculated on the assumption that the loan runs to term and that you will perform your obligations in accordance with the terms of the agreement.
This Variable APR has been calculated on the assumption that the benchmark interest rates will not change; therefore, the Variable APR will change each time the interest rate is reviewed. The Variable APR may also change depending on the term.
Bear in mind that this Variable APR was calculated in accordance with Law 5/2019 governing real estate loan agreements, which requires that the Variable APR be calculated using the higher of the two interest rates between that agreed for the initial period, which is 4,750%, and the interest rate agreed for the subsequent period, which is 5,963% and calculated by adding the Euribor rate at the time of taking out the loan (Euribor for the month of august published on 02/09/2023 at 4,073 %) and an interest-rate spread of 1,890%. In this case, the first interest rate (5,963) is the higher of the two and was therefore used to calculate the Variable APR.
The following costs were taken into account when calculating the Variable APR:
1) Arrangement fee of 2.250,00€, as a result of applying 1,5% to a loan amount of 150.000,00€.
2) Estimated appraisal cost of 484,00€ on the main guarantee.
- Monthly repayment of 855,18€ for the first 1 years.
- From year 2 to instalment 299, the expected instalment would be 959,65€ per month. In addition, the final instalment would be for 961,48€ to adjust the amount repaid so that the final outstanding balance is 0€. The 961,48€ instalment is calculated by adding the outstanding capital of instalment 299, which is 956,73€, and the interest payable on instalment 300, which is 4,75€.
- The repayment system used is the French one, whereby the instalments payable in the first 1 years are for a fixed amount. Subsequently, from year 2 onwards, the instalment amount will be fixed for six-month periods, changing on the review date, and then remaining the same until the next review at the end of six months, except for the final instalment, as explained in the previous paragraph.
The total amount due on the operation is 289.377,19€, of which 150.000,00€ corresponds to the principal and 139.377,19€ is the total cost of the loan to the consumer, which includes 136.643,19€ in interest, 2.250,00€ for the arrangement fee and an estimated appraisal cost of 484,00€ on the main guarantee.
This is a mortgage-secured loan; therefore, the borrower is liable for the repayment of the loan with the mortgaged property and all of their assets. In the event of default by the borrower, the Financial Institution may initiate legal proceedings that could result in the auction of the mortgaged property/properties and the seizure of other assets or income until the loan has been repaid in full.
This Financial Institution adheres to the Code of Good Practices for the viable restructuring of debts secured by mortgages on main residences.
The early repayment fee will be 0% if and when the sum of said payments over the preceding 12 months is less than 25% of the principal pending at the start of said period. If the early repayment is equal to or greater than 25% of the principal pending at the start of the 12 month period, the commission payable will be: 0,15% in the first 5 years of the loan, and 0,00% as of the 6th year. This commission may not, under any circumstance, exceed the amount of the financial loss for the institution, as per las 5/2019 of March 15th which regulates real estate credit agreements.
Notwithstanding all of the foregoing, and in compliance with Royal Decree-Law 19/2022, of November 22, until December 31, 2023, no compensation or commission will be accrued for full or partial reimbursement or early repayment. Nor will any type of commission be accrued until that date in the event of the conversion of this loan from a variable rate to a fixed rate.
This document contains a representative example of a loan based on the financial terms set out in the document (fixed interest rate and arrangement fee). It is for illustrative purposes only and intended to show in numerical form the evolution of instalments over a given period of time. It does not constitute a contract offer by Unión de Créditos Inmobiliarios S.A., Establecimiento Financiero de Crédito.
The mathematical formula used to determine the monthly repayment instalment is shown below. This formula is used to calculate the repayment instalment, including interest and principal, in accordance with the French repayment system.
Calculation of the monthly instalment: Instalment=(CxNIR/12)/(1-(1+NIR)/12)-term)
Where: C: outstanding loan capital; NIR: nominal annual interest rate expressed as a percentage; Term: number of monthly instalments.
Calculation of the interest portion: Interest=CxNIR/12.
Where: C: outstanding loan capital; NIR: nominal annual interest rate expressed as a percentage.
Calculation of the principal portion: the instalment less interest.
Long live the people who add up
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With security
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Personal Manager
A guide to accompany you throughout the process. -
Products designed for you
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Transparent
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Digital. Personal.
The mortgage you design yourself, to your own specifications.
You can count on us: today, tomorrow and always
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Before applying
Don’t waste time searching the Internet. Internet doesn’t have all the answers. Our Personal Manager does. You decide what, how, where and when, and we’ll adapt to you.
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During the process
Our favourite bicycle model is a tandem. You know why? Because we can pedal together, in the same direction. Because it’s what you need during the entire process.
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After signing
We’ll be with you to the end, and beyond. We forge such strong relationships that if you invite us to your birthday party at the end, we can’t say no :)
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.
Acronyms and jargon are not our thing. We say it in plain language.
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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.
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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.
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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.
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Part of the price advanced by the buyer in a contract of sale as a guarantee that they will purchase the property.
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Time + Excitement + People + Trust + Digital + Dreams = Our formula for success
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MORTGAGE CALCULATOR
If only I could. Wait... Maybe I can
Forget about our story. What matters is yours!
Our agents are licensed to market Hipotecas.com products as mortgage
brokers.
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/