Fixed-Rate Mortgage
The Fixed-Rate Mortgage will give you the peace of mind of always paying the same repayment for your home.
Calculate how much you will pay for your home each month
If you are thinking about buying a home, our mortgage simulator* instantly calculates your monthly repayment.
INFORMATIVE POSTER FOR THE IDEP ON MORTGAGE LOANS ON A HOME TO BE FORMALISED OR THAT ARE ENTERED INTO IN ANDALUCIA
The consumer and user who wishes to take out a mortgage loan on a home has the right to be provided with an index of mandatory delivery documents, which lists all the documents that have to be provided until the loan contract is duly signed.
Law 3/2016, published in the BOJA (Official Gazette of the Government of Andalusia) of June 9 2016, for the protection of the rights of consumers and users when taking out loans and mortgages on housing
ARE YOU UNDER 35 YEARS OF AGE? YOUR MORTGAGE WITH SPECIAL TERMS AND CONDITIONS
With peace of mind
- A mortgage adapted to your personal and financial situation
With the term and amount which best cover your needs
We will be by your side to make sure everything is easy
Are you looking for better conditions for your mortgage?
Mortgage subrogation
If you want to bring your mortgage to us, we will look into your specific case to offer you the conditions which suit you.
Advantageous properties
We place at your disposal a wide selection of properties** with specific financing at advantageous conditions.
What conditions do I have to meet to apply for a mortgage at Unicaja Banco?
You must demonstrate the ability to pay it off through a steady income and a borrowing level below 35%.
What documents have to be submitted to take out a Unicaja Banco mortgage?
- The last three payslips, an employment contract (if your seniority in the company is less than two years), a social benefits certificate and an employment record report.
- If you are a businessman, the last personal income tax return, the last income tax split payment receipts and a VAT return.
- Details of borrowing at other institutions (Bank of Spain Risk Information Centre - CIRBE).
- Statements of accounts held at other institutions (when the salary, pension or recurrent income and expenses are directly deposited or debited at another institution).
- Last rental bill paid.
- And, if you are businessman, a certificate proving payment of self-employed workers' contributions and proof that you are up to date with all tax and social security obligations.
- Up-to-date registry extracts of the most relevant assets, the property to be mortgaged and its appraisal according to regulation ECO/805/2003.
What taxes do I have to pay in order to take out a mortgage from Unicaja Banco?
The tax associated to the mortgage (Stamp Duty, known as Impuesto de Actos Jurídicos Documentados in Spanish) will be paid entirely by Unicaja Banco. Any taxes related to the sale of the property (Property Transfer Tax or VAT, as appropriate) will be incurred by the customer.
Can I finance expenses as part of the amount to be mortgaged?
The amount that may be financed can additionally include any expenses that are inherent to the mortgage, provided said additional amount does not exceed 9% of the asset's acquisition value as declared in the deed of sale and as long as the mortgage's amount does not exceed 80% of the sale value.
(*) Granting of our mortgages is subject to the institution's criteria. Mortgage for home purchases for natural persons who reside in Spain having income or wealth solely in euros.
(**) Properties marketed by Gestión de Inmuebles Adquiridos, S.L. (GIA), a holding company set up in July 2008 that is wholly owned by Unicaja Banco, which has its registered office at alle Mauricio Moro Pareto, 6, 29006 Málaga. unicajainmuebles.com