Up to 35 years, a mortgage with better terms and conditions
Special terms and conditions just for being young
Apply for your Youth Mortgage at Unicaja Banco and benefit from advantageous conditions for up to 35 years.
Up to 30 years to repay your mortgage
You have a repayment term of up to 30 years to repay your mortgage in convenient monthly repayments if it is your first home.
Early redemptions as from €300
You can make as many partial redemptions as you want and choose whether to reduce the number of repayments or lower the repayment amount.
Finance up to 80% of the home's value
You can finance up to 80% of the home's value with the Youth Mortgage, provided it is your first home.
Mortgage simulator: calculate how much you would pay each month
If you have already found your dream home, calculate the monthly repayment you would pay with your Unicaja Banco Youth Mortgage* now.
You will have more advantages with your mortgage for young people if you subscribe Unicaja Banco products and services, like:
The Youth Mortgage offers better terms and conditions to make it easier for people under the age of 35 to gain access to financing at such an important moment of their lives. If you want further information, request it through our form.
The main requirement is that none of the mortgagors can be older than 35 years of age.
In addition, it is a mortgage solely meant for the purchase of a home by natural persons residing in Spain who have income or wealth in euros. It is necessary to subscribe a current account at Unicaja Banco, as well as an indemnity insurance policy that covers any possible contingencies the home may suffer. Granting is subject to the institution's criteria after having conducted a risk viability study.
Not necessarily, though it will always be conditional on the risk study the branch will conduct. This study assesses the ability to pay; in other words, the continuity and stability of the income of the Youth Mortgage's mortgagors, along with any other debts they may have.
(*) 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.
(**) Insurance taken out with Unicorp Vida (life, risk or accident insurance), Caser (car, health, dental, home, payment protection or pet insurance) and/or Santalucía (funeral insurance) through Unimediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.
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.
Practical information mortgages
Mortgage loan access guide
Aquí tienes la información que necesitas para contratar un préstamo dirigido a la adquisición de una vivienda.
Code of good practice
Here you have access to general information on measures to strengthen the protection of mortgagors
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