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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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Type4.550%
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APR T15.061%
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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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Type4.550%
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Euribor*+1.290%
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APRVariable T24.835%
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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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Type4.800%
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Euribor*+1.890%
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APRVariable T35.099%
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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:
4,550% NIR.
5,061% 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 4,550% for 10 years.
- The APR of the loan is 5,061%, 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 1.558,19€ from instalment 1 to 119. In addition, there will be a final instalment of 1.558,81€ in month 120 to adjust the amount repaid so that the final outstanding balance is 0€. The 1.558,81€ instalment is calculated by adding the outstanding capital of instalment 119, which is 1.558,81€, and the interest payable on instalment 120, which is 5,89€.
- 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 189.717,42€, of which 150.000,00€ corresponds to the principal and 39.717,42€ is the total cost of the loan to the consumer, which includes 36.983,42€ 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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T2 Mixed 10
Conditions:
4,550% NIR.
4,835% 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 4,550% 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 4,835%, 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 4,550%, and the interest rate agreed for the subsequent period, which is 3,981% and calculated by adding the Euribor rate at the time of taking out the loan (Euribor for the month of october published on 05/11/2024 at 2,691 %) and an interest-rate spread of 1,290%. In this case, the first interest rate (4,550) 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 838,01€ for the first 10 years.
- From year 11 to instalment 299, the expected instalment would be 838,01€ per month. In addition, the final instalment would be for 838,74€ to adjust the amount repaid so that the final outstanding balance is 0€. The 838,74€ instalment is calculated by adding the outstanding capital of instalment 299, which is 835,57€, and the interest payable on instalment 300, which is 3,17€.
- 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 254.137,73€, of which 150.000,00€ corresponds to the principal and 104.137,73€ is the total cost of the loan to the consumer, which includes 101.403,73€ 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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T3 Variable 1
Conditions:
4,800% NIR.
5,099% 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 4,800% 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 5,099%, 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 4,800%, and the interest rate agreed for the subsequent period, which is 4,581% and calculated by adding the Euribor rate at the time of taking out the loan (Euribor for the month of october published on 05/11/2024 at 2,691 %) and an interest-rate spread of 1,890%. In this case, the first interest rate (4,800) 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 859,50€ for the first 1 years.
- From year 2 to instalment 299, the expected instalment would be 859,50€ per month. In addition, the final instalment would be for 856,92€ to adjust the amount repaid so that the final outstanding balance is 0€. The 856,92€ instalment is calculated by adding the outstanding capital of instalment 299, which is 853,51€, and the interest payable on instalment 300, which is 3,41€.
- 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 260.581,42€, of which 150.000,00€ corresponds to the principal and 110.581,42€ is the total cost of the loan to the consumer, which includes 107.847,42€ 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.
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The mortgage that ups your quality of life and home
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ARE YOU A CIVIL SERVANT?
The mortgage for those who know their mind. Now and always
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Long live the people who add up
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A guide to accompany you throughout the process. -
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Digital. Personal.
The mortgage you design yourself, to your own specifications.
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Time + Excitement + People + Trust + Digital + Dreams = Our formula for success
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MORTGAGE CALCULATORIf only I could. Wait... Maybe I can
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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S1 All insurance are mediated by Unión de Créditos Inmobiliarios, SA, Financial Credit Establishment, Linked Bancassurance Operator. Registered office at Calle Amaltea, 32, 1st Floor, 28045, Madrid. Company registered in the Commercial Registry of Madrid, Volume 29,491, Book 0, Folio 174, Section 8, Page M. 67.739. CIF (Tax ID): A39025515. Registered in the General Directorate of Insurance and Pension Funds with no. OV-0076. The mediator holds Professional Civil Liability Insurance and financial capacity as required by current legislation.
SANTANDER Seguros y Reaseguros, Compañía Aseguradora, S.A. Av. De Cantabria, S/N. 28660, Madrid. CIF A46003273. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds under code C0037, for life insurance, absolute permanent disability insurance, and home insurance.
CARDIF Assurance Vie, Spanish Branch. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. CIF. W0012421D. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds under code E0129, for life insurance and absolute permanent disability insurance.
CARDIF Assurances Risques Divers, Spanish Branch. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. CIF. W0012420F. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds under code E0130, for temporary disability and unemployment insurance, and home insurance.
CNP Assurances, Spanish Branch. Calle de Cedaceros 10, 5th Floor, 28014, Madrid. CIF. W0013620J. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds under code E0160, for life insurance and absolute permanent disability insurance.
CNP Caution, Spanish Branch. Calle de Cedaceros 10, 5th Floor, 28014, Madrid. CIF. W0010754J. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds under code E0221, for temporary disability and unemployment insurance.
GENERALI Seguros y Reaseguros, S.A.U. Paseo de las Doce Estrellas, 4, 28042, Madrid. CIF. A48037642. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds under code C0467-G0056, for life insurance, absolute permanent disability insurance, and home insurance.
CAJA DE SEGUROS REUNIDOS, Compañía de Seguros y Reaseguros, S.A. (CASER), Avenida de Burgos, 109, 28050, Madrid. CIF A28013050. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds under code C0031, for life insurance, absolute permanent disability insurance, and home insurance.
ZURICH VIDA, Compañía de Seguros y Reaseguros, S.A., Paseo de la Castellana, 81, 22nd Floor, 28046, Madrid. CIF A08168213. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds under code C0039, for life insurance and absolute permanent disability insurance.
