Youth Mortgage
Find out about your mortgage with special terms and conditions if you are under 35 years of age.
Fixed-Rate Mortgage*
Una cuota estable para planificar sin sorpresas
La tranquilidad de pagar la misma cuota todos los meses
Financiación hasta el 80%
Financia hasta el 80% en tu primera vivienda (70% en la segunda). El importe a financiar será el menor entre el precio de compra y la tasación.
Hasta 30 años
Paga tu casa a tu ritmo, con la flexibilidad de elegir el plazo que más te convenga, hasta un máximo de 30 años.
Gestor profesional contigo
Un gestor estará a tu lado durante el proceso. Además, podrás consultar el estado de tu solicitud en cualquier momento.
With bonuses¹
For salaries as from € 2,000 net:
APR of 3.00% in the first half-year and 2.95% subsequently
AER of 3.94%
For all other income:
APR of 3.20% in the first half-year and 3.15% subsequently
AER of 4.14%
Opening commission 0.15%
Without bonuses²
For salaries as from € 2,000 net:
APR of 3.00% in the first half-year and 3.95% subsequently
AER of 4.08%
For all other income:
APR of 3.20% in the first half-year and 4.15% subsequently
AER of 4.29%
Opening commission 0.15%
How you obtain the Fixed-Rate Mortgage bonus?
You will be entitled to a bonus on your Fixed-Rate Mortgage as from the seventh month if you subscribe certain products and services like
Having your salary
For an amount exceeding €600 a month directly deposited and credit card consumption.
Insurance
For home, life, temporary incapacity/unemployment, health or car**.
Contributions or balances
To pension plans and/or investment funds.
Contratar tu hipoteca fija es aún más sencillo: disfrutarás siempre del mismo tipo de interés y solo tendrás que seguir estos cuatro pasos para completar tu solicitud.
Simulation
Simulate the calculation of your monthly repayment amount by choosing the mortgage having the terms and conditions which best suit your needs.
Assessment
Provide the necessary documentation to conduct a review of your fixed-rate mortgage.
Approval
Once the documentation has been reviewed and is correct, your fixed-rate mortgage will be approved, allowing you to read and sign the legal documents electronically.
Signing
Select the notary you prefer, and we'll send the documentation there. It's that easy! Enjoy your new home!
Get a 5% discount at IKEA and a free decoration project with your Fixed-Rate Mortgage
Si tienes una Hipoteca Fija con Unicaja podrás disfrutar de un descuento del 5% en IKEA, si la compra es superior a 80 € y excluyendo servicios de transporte, decoración, instalación y montaje.
Además, para compras superiores a 500 €, disfrutarás gratis de un proyecto de decoración.
Other mortgages that might interest you
Mixed-Rate Mortgage
The Mixed-Rate Mortgage gives you the peace of mind of having the same repayment amount in the first ten years. The rest are adapted to and evolve.
Variable-Rate Mortgage
The Variable-Rate Mortgage allows you to have a monthly repayment that adapts to and evolves with the market.
Oxygen Mortgage
Efficiency pays off with the Oxygen Mortgage. A mortgage that is committed to sustainability.
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Practical information fixed mortgages
Mortgage loan access guide
Aquí encontrarás la información necesaria para contratar una hipoteca fija orientada a la compra de tu vivienda.
Code of good practice
Tienes disponible aquí la información general relativa a las medidas destinadas a reforzar la protección de los deudores hipotecarios.
Frequently asked questions about Unicaja Fixed-Rate Mortgage
You can apply for a Unicaja 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, it is, since the mortgage loan's security, which in this case is the property, would not be affected by contingencies like fire.
We will calculate and inform you about the monthly repayment amount of your Fixed-Rate Mortgage based on the data you have provided to us at the start of the mortgage simulation process.
If there are any errors in the data you have entered or you need to make changes to them, you can cancel the application and initiate a new one. When the manager gets in touch with you to process your application, you can also inform them about which data you wish to change and we will do it for you.
Check out the following typical examples
AER (Annual Equivalent Rate), total cost of the mortgage loan and full amount owed by the mortgagee based on a typical example of a loan amounting to €150,000.00 having a front-end fee of 0.15% and a repayment term of 25 years through the payment of 300 constant monthly principal and interest repayments at the interest rate indicated below:
25-YEAR FIXED-RATE MORTGAGE
(1) Meeting all the requirements to obtain the maximum interest rate bonus:
AER with maximum bonus: 3.94 % (3) For salaries as from € 2,000.
- Annual percentage rate (APR): Fixed rate in the first six months: 3.00%. Fixed rate subsequently: 2.95%. This APR may be obtained with other combinations of subscribed products/services other than those used by Unicaja to calculate the example.
- No. of monthly repayments: 300. Date the first monthly repayment is due: 05/06/2026. First six months repayment: € 711.53. Subsequently: € 707.70. Except the last repayment of € 707.70.
- Total amount owed: € 233,659.73. Total interest: € 62,332.98. Total cost of mortgage loan: € 83,659.73.
Example of products, selected by Unicaja, which can be jointly subscribed to obtain the bonified interest rate (APR) that has been used to calculate the AER with the maximum bonus: Salary of at least €2,000 net per month directly deposited into account. Credit card consumption of at least €600.00, calculated in the 6 months prior to each half-yearly review date of the interest rate subsidies. Protection Home Insurance. 100% Risk Life Insurance associated to the loan. Minimum contribution to a Pension Plan of 0.6% of the capital outstanding in the 6 months prior to each half-yearly interest rate subsidy review date.
The fulfilment of requirements will be checked as of the second half-year of the loan's and thereafter at successive six-monthly reviews.
- Annual expenses charged to the customer in the example used while meeting all the requirements: Protection Home Insurance (4): €267.65. Life Insurance (4): €358.51. Contribution of 0.6%, biannual, of the outstanding principal to a pension plan having an annual management and depositary fee of €34.68. Credit card maintenance fee: €48.35. Demand account maintenance fee: €120.00 per year. Valuation: €372.00. Opening commission: €225 (these last two expenses paid at the time the mortgage is taken out).
AER with maximum bonus: 4.14 % (3) for other income.
- Annual percentage rate (APR): Fixed rate in the first six months: 3.20 %. Fixed rate subsequently: 3.15 %. This APR may be obtained with other combinations of subscribed products/services other than those used by Unicaja to calculate the example.
- No. of monthly repayments: 300. Date the first monthly repayment is due: 05/06/2026. First semester repayment: € 727.25. Subsequently: € 723.37. Except the last repayment of € 723.39.
- Total amount owed: € 238,361.05. Total interest: € 67,034.30. Total cost of mortgage loan: € 88,361.05.
Example of products, selected by Unicaja, which can be jointly subscribed to obtain the bonified interest rate (APR) that has been used to calculate the AER with the maximum bonus: Salary deposited directly into account as from €600 and below €2,000 per month. Credit card consumption of at least €600.00, calculated in the 6 months prior to each half-yearly review date of the interest rate subsidies. Protection Home Insurance. 100% Risk Life Insurance associated to the loan. Minimum contribution to a Pension Plan of 0.6%, of the capital outstanding in the 6 months prior to each half-yearly interest rate subsidy review date.
The fulfilment of requirements will be checked as of the second half-year of the loan's and thereafter at successive six-monthly reviews.
- Annual expenses charged to the customer in the example used while meeting all the requirements: Protection Home Insurance (4): €267.65. Life Insurance (4): €358.51. Contribution of 0.6% of the outstanding principal to a pension plan having an annual management and depositary fee of €34.68. Maintenance fee credit's card: €48.35. Demand account maintenance fee: €120.00 per year. Valuation: €372.00. Opening commission: €225 (these last two expenses paid at the time the mortgage is taken out).
(2) Without meeting requirements (interest rate without bonus):
AER without bonus: 4.08 % (3) For salaries as from € 2,000.
- Annual percentage rate (APR): Fixed rate in the first six months: 3.00 %. Fixed rate subsequently: 3.95 %.
- No. of monthly repayments: 300. Date the first monthly repayment is due: 05/06/2026. Repayment in first half-year: € 711.53. Subsequently: € 786.55. Except the last repayment of € 785.97.
- Total amount owed: € 237,636.55. Total interest: € 85,514.30. Total cost of mortgage loan: € 87,636.55.
- Annual costs charged to the customer without meeting requirements: Indemnity insurance (5): € 61.01. Maintenance fee of demand account only intended for the loan's repayment: € 0.00. Valuation: € 372.00. Opening commission: € 225 (these last two expenses paid at the time the mortgage is taken out).
AER without bonus: 4.29 % (3) for other income.
- Annual percentage rate (APR): Fixed rate in the first six months: 3.20 %. Fixed rate subsequently: 4.15 %.
- No. of monthly repayments: 300. Date the first monthly repayment is due: 05/06/2026. Repayment in first half-year: € 727.25. Subsequently: € 803.18. Except the last repayment of € 803.32.
- Total amount owed: € 242,620.81. Total interest: € 90,498.56. Total cost of mortgage loan: € 92,620.81.
- Annual costs charged to the customer without meeting requirements: Indemnity insurance(5): €61.01. Maintenance fee of demand account only intended for the loan's repayment: €0.00. Valuation: €372.00. Opening commission: €225 (these last two expenses paid at the time the mortgage is taken out).
The French amortization method has been used to calculate the capital instalments , an amortization system in constant instalments in which a larger amount of interest than capital is early in the first years and in the last years more capital than interest is paid. The formula to calculate the amount of the instalments is as follows:
The values the formula uses have the following meaning:
R: monthly instalment payable
C: nominal amount of the loan, principal (in the case of not fulfilling the requisites, it will be the capital pending repayment at each moment).
n: number of instalments. As of the interest review, they will be calculated on the part pending.
r: multiplication index (∏)
s: summation index (∑).
pr: days of interest accrual per interest liquidation period from calculation of the instalment (the values 28, 29, 30 or 31 may be taken depending on the month).
i: nominal annual interest rate applicable to the period of interest concerned, expressed as per unit.
The applicable formula to calculate the interest of this loan shall be the following: Capital pending multiplied by the N.I.R. (by per unit amounts) and time, divided by 365. In this formula, the capital is considered to be the balance of capital; the N.I.R., the annual interest rate; and the time, the number of calendar days depending on the month calculated (28, 29, 30 or 31).
The amortization of the principal shall be equal to the instalment minus the interest.
(3) The AER indicated above has been calculated on May 5, 2026 using the APR and costs set out above, which are charged to the customer, assuming that no early partial or total redemption is made throughout the loan's entire duration. Monthly principal and interest repayments.
Due to the fact that the account is subject to fixed maintenance fees and, where appropriate, the credit card, the AER may vary according to the amount and term granted. The holders' age plus the loan's term may not exceed 75 years for a main residence or 70 years for a second residence.
Amount from 50,000 euros and term from 8 years.
In the event of early repayment or redemption, either partial or full, of the loan during the first ten years of the loan agreement's term or from the day on which the fixed interest rate applies, a compensation in favour of the lender may be set, which may not exceed the amount of the financial loss the lender may suffer, with a limit of 2% of the principal repaid early. In the event of early repayment or redemption, either partial or full, of the loan from the end of the aforementioned period until the end of the loan's term, a compensation in favour of the lender has been set, which may not exceed the amount of the financial loss the lender may suffer, with a limit of 1.5% of the principal repaid early.
(4) Annual Protection Home Insurance premium calculated for an empty flat measuring 80 m2 whose structure is valued at €64,000.00. Annual premium of the life insurance associated to the loan calculated for a 30-year-old person. These insurance policies can be taken out with the insurance company chosen by the customer. Nonetheless, both kinds of insurance must be taken out with the intermediation of Unicaja to be able to take advantages of a bonified interest rate while meeting requirements. The insurance premiums will be updated annually in accordance with the specific terms and conditions of the policy.
(5) Annual premium of indemnity insurance (fire and third-party liability insurance) calculated for an empty flat of 90 m2 whose structure is valued at €72,000.00 . This insurance may be taken out with the company of your choice.
The borrower will be liable to Unicaja for the loan's repayment, not only with their home but also with all their current and future assets. You may lose your home if you fail to make your repayments promptly. Should a guarantor(s) be involved in the loan, the guarantor(s) will also be liable with all their present and future assets.
(*) 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 Unicaja Mediación, 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 Unicaja Mediación, 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
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).
