At Unicaja Banco we offer different kinds of mortgages depending on each customer's characteristics to make sure you'll always find the mortgage you need, regardless of whether you are young, a civil servant, a salaried employee or a high-income earner... Choose the mortgage that best suits your needs, variable or fixed-rate mortgage.
Apply for your mortgage with a maximum term of 30 years to pay it back in convenient repayments. Take into account that the sum of the oldest holder's age plus the mortgage's term may not exceed 70 years. If you want to finance your second home, the maximum term of your mortgage will be 25 years.
You can finance up to 80% of the property's value if it is your main home. If you want to purchase your second home, you can finance up to 70% of its value. The reference value to take out your mortgage will be the lesser of the home's market price and the outcome of its appraisal.
Make all the early repayments you want as from only €300. You can choose to reduce the number of monthly repayments or lower the repayment amount. In addition, should you need it, you will not start paying off the principal for another two years.
The mortgage simulator* allows you to calculate how much you would pay per month for your dream home. Furthermore, you can request a preliminary appraisal and find out whether your mortgage has been pre-approved without moving from home.
With peace of mind
You can apply for a Unicaja Banco Fixed-Rate Mortgage provided that the sum of its term and the age of the oldest holder does not exceed 75 years for the first residence or 70 years for the second residence.
Yes, they can. You can make as many early repayments as you wish as from €300. You can also fully redeem your mortgage. If a financial loss for Unicaja Banco comes about when you make the repayment, you will have to pay compensation having the following maximum limits:
Yes, it is, since the mortgage loan's security, which in this case is the property, would not be affected by contingencies like fire.
We have a mortgage simulator* that will allow you to find out what repayment you will pay with the amount and term combinations you decide on. View Mortgage Simulator
Once you have taken out your Fixed-Rate Mortgage, you can query how much principal and interest you are paying on your Digital Banking service.
(*) 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
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