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Variable Rate Mortgage

YOUR HOUSE AT LAST, AND IN GOOD HANDS 

APPLY FOR MORTGAGE
Are you a client and do not have access codes?

Up to 80 % of the appraisal value (1)

The house of your dreams is within reach.

Interest subject to rebate

Improved interest rate on subscribing other Unicaja Banco products.

Up to 30 years of term

Choose the number of quotas that best suits your needs.

Variable interest rate

With an initial fixed interest rate in the first twelve months.

Application process

In order to be able to subscribe the Variable 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 Variable 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

En virtud de lo previsto en la Ley 5/2019, de 15 de marzo, reguladora de los contratos de crédito inmobiliario, así como en la Orden EHA/2899/2011, de 28 de octubre, de transparencia y protección del cliente de servicios bancarios, Unicaja Banco pone a tu disposición:

 

- la Ficha de Información Precontractual (FIPRE), cuya finalidad es facilitar información clara y suficiente con carácter orientativo sobre los préstamos hipotecarios que oferta la Entidad; y

 

- las Condiciones Generales que utiliza Unicaja Banco en los contratos incluidos en el ámbito de aplicación de la referida Ley 5/2019

 

Condiciones genelares:

- Condiciones generales de contrato de prestamo en Euros a tipo variable con garantía hipotecaria.

- Condiciones generales de contrato de préstamo en Euros con garantía hipotecaria a tipo variable destinado a autoconstrucción.

 

Para obtener la INFORMACIÓN PRECONTRACTUAL indíquenos ámbito territorial, garantía y finalidad  del préstamo hipotecario que permitirá calcular el porcentaje máximo de financiación.

Para la  comunidad autónoma  de Andalucía, según la ley 3/16, de 9 de Junio, publicada en el BOJA de 16 de Junio, para la protección de los derechos de las personas  consumidoras y usuarias en la contratación de préstamos y créditos hipotecarios sobre la vivienda, Unicaja Banco pone a su disposición, además del FIPRE los siguientes documentos:

  • IDEP (Índice de de Documentos de Entrega Preceptiva)
  • DIPREC (Documento de Información Precontractual Complementaria)

You must choose an option

You must choose an option

Individuals / Companies for individual scope

(1) The maximum amount shall be the lower figure between 80% of the appraisal value and 80% of the acquisition price for the first usual home. It shall be 70% instead of 80% for the second home.

1200x515_hipoteca_Mesa de trabajo 1

A MORTGAGE THAT REWARDS YOUR TRUST AND ADAPTS TO YOU

APPLY FOR MORTGAGE

IDEP INFORMATION POSTER  PARA PRÉSTAMOS HIPOTECARIOS SOBRE UNA VIVIENDA QUE VAYAN A FORMALIZARSE O SE CELEBREN EN ANDALUCÍA

The consumer and user who wishes to arrange a mortgage loan on a home is entitled to be delivered an index of required documentation for delivery (IRDD) that lists all the documents that must be supplied under obligatory terms until its formalisation.
Act 3/2016, of 9th June, on protection of the rights of persons who are consumers and users in subscribing mortgage loans and credits on homes (BOJA on 16th June 2016).

PRACTICAL INFORMATION ON MORTGAGES

Guide for access to the mortgage loan

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

MORE INFORMATION

Code of good practices

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

MORE INFORMATION

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