At Unicaja Banco we offer a broad range of mortgages depending on your 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.
You have repayment term of up to 30 years to repay your Variable-Rate Mortgage in convenient monthly repayments (25 years if you are financing a second home). Under no circumstances may the sum of the holder's age and the mortgage's term exceed 70 years.
You can finance up to 80% of the property's value if it is your main residence and up to 70% for the purchase of a second residence. The value that will be taken into account to take out your Variable-Rate Mortgage will be the lesser of the home's market price and its appraisal value.
You can make as many partial early repayments as you wish as from €300 and decide whether you prefer to lower your repayments or the number of monthly repayments. You additionally have the possibility of benefitting from a two-year grace period, so that you do not make any principal repayments during this period.
If you are thinking about buying a home, calculate your Variable-Rate Mortgage's* monthly repayment and associated costs using the Unicaja Banco simulator. Furthermore, you can request a preliminary appraisal and find out whether your mortgage has been pre-approved without moving from home.
This mortgage is solely meant for the purchase of a home by natural persons residing in Spain who have income or wealth in euros. It is also 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. Furthermore, granting is subject to the institution's criteria after having conducted a risk viability study.
The variable-rate mortgage holder's age and the repayment term cannot add up to more than 75 years for the first residence or 70 years for the second residence (if there is more than one holder, the age of the older holder will be taken into account).
Yes, they can. You can make as many early repayments as you wish as from €300. You can also fully redeem the Variable-Rate Mortgage. If a financial loss for Unicaja Banco comes about when the redemption is made, you will have to pay compensation with a maximum limit of 0.25% of the principal repaid early during the first three years and of 0% after that.
The Fixed-Rate Mortgage gives you the peace of mind of always paying the same repayment. It is a mortgage that does not depend on the evolution of market rates.
The interest rate is not fixed in the Variable-Rate Mortgage. Instead, it depends on the Euribor's value at each review plus a differential. The Euribor is an official index of the Euro Zone. It varies monthly, which is why the interest rate to be applied to the mortgage each year will be that value plus the differential you have agreed to.
It is necessary to take out at least basic indemnity insurance to make sure that the mortgaged asset, which in this case is the home, is protected against any contingency.
(*) 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
Mortgage loan access guide
Here you can find the information you need to take out a loan for the purchase of a home.
Code of good practice
Here you have access to general information on measures to strengthen the protection of mortgagorsn a los deudores hipotecarios.
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