Back

20-YEAR FIXED RATE LOYALTY MORTGAGE

WE ADAPT TO YOUR RHYTHM SO YOU ONLY NEED TO WORRY ABOUT FINDING WHAT YOU NEED

Are you a client and do not have access codes?

Easy choice of frequency

Choose the terms that suit you best: monthly, quarterly.

Interest subject to rebate

Improved interest rate on subscribing other Unicaja Banco products.

Up to 20 years of term

In constant repayment quotas, with the frequency you want: monthly, quarterl.

Up to 80 % of the appraisal value to  your main home (*)

The house of your dreams is within reach.

IF CONDITIONS ARE FULFILLED

 

A.E.R. with rebate: 3.07%

First 6 months: 2.40% N.I.R.

Rest of term with rebate: 2.40% N.I.R.

 

IF CONDITIONS ARE NOT FULFILLED

 

A.E.R.: 3.59%

First 6 months: 2.40% N.I.R.

Rest of term: 3.40% N.I.R.

 

casas_hipotecas

Application process

In order to be able to subscribe the 20-Year Fixed Rate Mortgage, you may go to any of our Unicaja Banco branches where we will be pleased to attend you.

 

If you prefer, you may also apply for the 20-Year Fixed Rate Mortgage by filling in the application form and stating which branch you prefer to process it at. We shall shortly contact you.

 

Remember that, in the event of any doubt or query, you may call our customer care service+34 901 24 62 46 or +34 952 07 62 63.

Pre-contractual information

By virtue of the terms foreseen in Act 5/2019, of 15th March, that regulates real estate credit agreements, as well as Order EHA/2899/2011, of 28th October, on transparency and protection of the banking service client, Unicaja Banco makes the following available to you:

 

- The Pre-contractual Information File (FIPRE), the purpose of which is to provide clear and sufficient information as a guideline on the mortgage loans offered by the Bank; and

 

- The General Conditions used by Unicaja Banco in the contracts are included in the scope of application of said Act 5/2019

 

General conditions:

- General conditions of the loan agreement in Euros at a fixed rate with mortgage guarantee.

- General conditions of the loan agreement in Euros with mortgage guarantee at fixed rate intended for self-build.

 

To obtain the PRE-CONTRACTUAL INFORMATION, let us know the location, guarantee and purpose of the mortgage loan that will allow calculation of the maximum financing percentage.

For the Autonomous Community of Andalucia, pursuant to Act 3/16, of 9th June, published in the BOJA on 16th June, for protection of the rights of consumers and users in contracting loans and mortgage loans on homes, Unicaja Banco provides you the following documents in addition to the FIPRE:

  • IDEP (Index of Documents for Mandatory Delivery)
  • DIPREC (Complementary Pre-contractual Information Document)

You must choose an option

You must choose an option

Individuals / Companies for individual scope
1200x515_hipoteca_Mesa de trabajo 1

THE CALM OF FIXED QUOTA THROUGHOUT THE WHOLE LIFE OF YOUR MORTGAGE

OTHER FIXED RATE MORTGAGE OPTIONS

25-year fixed rate

Finance your house with a surprise-free mortgage

30-year fixed rate

Just get everything ready, we will deal with everything else

PRACTICAL INFORMATION ON MORTGAGES

Here you have the information you need to subscribe a loan intended for home acquisition.

The general information on measures to reinforce protection for mortgage debtors is available here.

RELATED PRODUCTS AND SERVICES

ico_sin_comisiones

Digital Banking

Access your Unicaja Banco accounts and products by computer. The perfect tool to manage your day-to-day finances.

ico_banca_movil

Mobile Banking

Immediate access to your Unicaja Banco accounts and products. Consult and perform banking operations wherever you are.

Can we help you?

Leave your number and we will get in touch with you.

Call us on 952 076 263 or on 901 246 246

Other means of contacting us.

ATMs and Branches
Fill in the form

YOU MAY ALSO BE INTERESTED IN

Mortgages

Mortgages

Choose the mortgage that best suits your needs and possibilities.

SEE ALL THE MORTGAGES
Personal Loans

Personal Loans

Choose the personal loan that best suits your project financing needs.

SEE ALL THE PERSONAL LOANS

For Unicaja Banco S.A., the holder of the web page, it is important to adapt to your tastes and preferences, for which we use own and third-party cookies, that gather connection data that may be linked to your registration user name, the purpose of which is to measure traffic and user interaction with the web page, to help to improve operation of the web content, as well as the services and products offered, preparing behaviour profiles, while always protecting your privacy. You may transparently choose the configuration that suits you best, without that causing any change in your usual operations.