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An interest rate adapted to the Euribor rate

With an interest rate that depends on the Euribor rate.

Tu hipoteca 100% online de Unicaja Banco

Your online mortgage from home

No need to move. Everything can be done from your sofa, except to go at the notary's office, where we'll finally see each other.

Gestor especializado de Unicaja Banco

Specialised manager

You'll have a manger to accompany you throughout the process. You can also enquire about your application's status at any time.

Oficinas de Unicaja Banco

And what if I prefer going to a branch?

It is also possible to apply for this mortgage at a branch instead of completing the entire process online.

Find out about terms and conditions of your Variable-Rate Mortgage

With bonuses¹

For salaries as from €2,500 net:

APR of 2.40 % in the first year and the Euribor rate + 0.50 % subsequently 
Variable AER of 4.80 %

 

For all other income:
APR of 2.70 % in the first year and the Euribor rate +0.80 % subsequently 
Variable AER of 5.13 %

 

Opening commission 0.15 %

Without bonuses²

For salaries as from €2,500 net:

APR of 2.40 % in the first year and the Euribor rate + 1.50 % subsequently
Variable AER of 5.12 %

For all other income:
APR of 2.70 % in the first year and the Euribor rate +1.80 % subsequently 
Variable AER of 5.43 %

 

Opening commission 0.15 %

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Have up to 30 years to pay for your home

You can repay it in up to a maximum of 30 years and in up to 25 years for a second home.

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Financing of up to 80%

You can finance up to 80% of your main residence and up to 70% of other homes. The amount to be financed will be the lower of the valuation and the purchase price.


Joven pareja y perrito financia su casa con Hipoteca Variable Unicaja Banco

How to get the 100% Online Variable-Rate Mortgage bonus

By subscribing Unicaja products and services, such as:

  • Having your salary for an amount exceeding €600 a month directly deposited, directly debited bills and card consumption.
  • Life, home or of unemployment**/temporary incapacity insurance.
  • Car, health or other insurance you may need**.
  • Contributions to investment funds or pension plans.


Your Variable-Rate Mortgage will be entitled to a bonus as from the second year.

 

 


Promoción 5% de descuento en Ikea con tu hipoteca de Unicaja Banco

Get a 5% discount at IKEA and a free decoration project with your Fixed-Rate Mortgage

If you have a Fixed-Rate Mortgage at Unicaja, you will be able to benefit from a 5% discount at IKEA if the purchase is over €80, excluding transport, decoration, installation and assembly services.

Furthermore, if you make a purchase exceeding €500, you will be entitled to benefit from a free decoration project.


Practical information on variable mortgages

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.


Over 445,000 savers have taken out their mortgages at Unicaja.


How does the 100% Online Variable-Rate Mortgage work?

It's very easy in just four steps and accompanied at all times. We will guide you throughout the entire process, always informing you about both your application's status and all the updated information. You just have to follow the steps to apply for your personalised 100% online Variable-Rate Mortgage.

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SIMULATION

Calculate your home's monthly repayment amount and select the variable-rate mortgage that best suits your needs on the simulator.

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ASSESSMENT

Inform us about and submit your personal details and the documents. Both are essential to request an assessment of your variable-rate mortgage.

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APPROVAL

Once everything is in order, your 100% online Variable-Rate Mortgage will be approved. You will then only have to read and sign the legal documents electronically.

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SIGNING

Choose the notary's office in Spain you prefer and will send the documents there.

It's done! Enjoy your new home!


Consult our guide on the steps to apply for your mortgage loan



Would you prefer to make your application at a branch?

No problem, we will attend you at any branch.


More Unicaja mortgages

Fixed-Rate Mortgage

The 100% online Fixed-Rate Mortgage will give you the peace of mind of always paying the same repayment for your home.

Youth Mortgage

Are you younger than 35? Find out about your mortgage with special terms and conditions if you are under 35 years of age.

Frequently asked questions about 100% online Variable-Rate Mortgage

What requirements must I meet to apply for a Variable-Rate Mortgage?

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, 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.

Is there an age limit for granting a 100% online Variable-Rate Mortgage?

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).

Am I obliged to take out home insurance if I subscribe a Variable-Rate Mortgage?

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.

Pre-contractual information variable rate mortgage

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

 

The contract is formalized in Spanish.

 

General conditions:

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

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

General conditions of the loan agreement with mortgage guarantee Subrogation of promoter.

 

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.

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

Change data in the form

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.

Typical example of a variable-rate mortgage

Variable 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 VARIABLE INTEREST RATE

 

(1) Meeting all the requirements to obtain the maximum interest rate bonus:


Variable AER with maximum bonus: 4.80 %
(3). For salaries as from €2,500.

 

This variable AER has been calculated pursuant to the provisions set forth in Act 5/2019 of 15 March governing real estate credit agreements.

  • Annual percentage rate (APR): Fixed in first year: 2.40 %. Variable: One-year Euribor rate + 0.50 % (annual reviews). The last one-year Euribor rate value published in the Official Journal of the State of 02/03/2024 was 3.671 %. The interest rate resulting from the sum of this value plus the above-mentioned differential is 4.171 %. 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: April 5, 2024. Repayments in first year: € 665.54. Subsequently: € 801.05. Except the last repayment of € 798.80. From the second year, the total interest, total cost and total amount owed have been applied to the higher borrowing rate of the initial fixed interest rate and the reference rate (one-year Euribor rate published monthly in the Official Journal of the State at the above-mentioned value) plus the differential to calculate the repayments. The repayments have therefore been calculated by taking into account an APR of 4.171 %. Nonetheless, we inform you that, as from the second year, the repayments' amount may vary depending on the variable interest rate to be applied.
  • Total amount owed: € 255,478.13. Total interest: € 88,686.63. Total cost of mortgage loan: € 105,478.13.


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 €2,500 net per month directly deposited into account. Protection Home Insurance. Life insurance associated to the loan. Minimum contribution to a pension plan of 1.2% of the outstanding principal in the 12 months prior to each annual interest rate bonus review date.

The fulfilment of requirements will be checked as of the second half-year of the loan's term and thereafter at successive annual reviews.

  • Annual expenses charged to the customer in the example used while meeting all the requirements: Protection Home Insurance (4): €209.99. Life Insurance (4): €298.00. Contribution of 1.2% of the outstanding principal to a pension plan having one or several holders (maximum of €1,500 per plan holder) and a management and depositary fee of €19.79. 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).

 

Variable AER with maximum bonus: 5.13 % (3). For other income.

 

This variable AER has been calculated pursuant to the provisions set forth in Act 5/2019 of 15 March governing real estate credit agreements.

 

  • Annual percentage rate (APR): Fixed in first year: 2.70 %. Variable: One-year Euribor rate +0.80 % (annual reviews). The last one-year Euribor rate value published in the Official Journal of the State of 02/03/2024 was 3.671 %. The interest rate resulting from the sum of this value plus the above-mentioned differential is 4.471 %. 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: April 5, 2024. Repayments in first year: € 688.30. Subsequently: € 826.37. Except the last repayment of € 826.43. In order to calculate the repayments, total interest, total cost and the total amount owed as from the second year, the higher borrowing rate between the initial fixed rate and the reference index (one-year Euribor rate published monthly in the Official Journal of the State) plus the differential has been applied. The repayments have therefore been calculated by taking into account an APR of 4.471 %. Nonetheless, we inform you that, as from the second year, the repayments' amount may vary depending on the variable interest rate to be applied.
  • Total amount owed: € 2263,845.72 Total interest: € 96,254.22. Total cost of mortgage loan: € 113,845.72.

 

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 variable AER with the maximum bonus:
Salary deposited directly into account as from €600 and below €2,500 per month. Debit or credit card consumption for an amount of at least €1,200 calculated in the 6 months prior to the date of the first bonus review and subsequently during the 12 months prior to the date of each interest rate bonus review. Three directly debited basic bills. Protection Home Insurance. Life insurance associated to the loan. Minimum contribution to a pension plan of 1.2% of the outstanding principal in the 6 months prior to the date of the first bonus review and subsequently during the 12 months prior to the date of each interest rate bonus review.

 

The fulfilment of requirements will be checked as of the first year of the loan's term and thereafter at successive annual reviews.

  • Annual expenses charged to the customer in the example used while meeting all the requirements: Protection Home Insurance (4): €209.99. Life Insurance (4): €298.00. Contribution of 1.2% of the outstanding principal to a pension plan having one or several holders (maximum of €1,500 per plan holder) and a management and depositary fee of €19.79. Debit card maintenance fee: € 32.00. Demand account maintenance fee: €120.00 per year. Valuation: €372.00. Comisión de apertura: € 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: 5.12 %
(3). For salaries as from €2,500.

 

This variable AER has been calculated pursuant to the provisions set forth in Act 5/2019 of 15 March governing real estate credit agreements.

 

  • Annual percentage rate (APR): Fixed in first year: 2.40 %. One-year variable Euribor rate + 1.50 % (annual reviews). The last one-year Euribor rate value published in the Official Journal of the State of 02/03/2024 was 3.671 %. The interest rate resulting from the sum of this value plus the above-mentioned differential is 5.171 %.
  • No. of monthly repayments: 300. Date the first monthly repayment is due: April 5, 2024. Repayments in first year: € 665.48. Subsequently: € 883.69. Except the last repayment of € 884.43. From the second year, the total interest, total cost and total amount owed have been applied to the higher borrowing rate of the initial fixed interest rate and the reference rate (one-year Euribor rate published monthly in the Official Journal of the State at the above-mentioned value) plus the differential to calculate the repayments. The repayments have therefore been calculated by taking into account an APR of 5.171 %.Nonetheless, we inform you that, as from the second year, the repayments' amount may vary depending on the variable interest rate to be applied. 
  • Total amount owed: € 264,586.44. Total interest: € 112,489.94. Total cost of mortgage loan: € 114,586.44.
  • Annual costs without meeting requirements (interest rate without bonus): Indemnity insurance (5): € 59.98. 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).

 

 

Variable AER without bonus: 5.43 % (3). For other income.

 

This variable AER has been calculated pursuant to the provisions set forth in Act 5/2019 of 15 March governing real estate credit agreements.

 

  • Annual percentage rate (APR): Fixed in first year: 2.70 %. One-year variable Euribor rate +1,80 % (annual reviews). The last one-year Euribor rate value published in the Official Journal of the State of 02/03/2024 was 3.671 %. The interest rate resulting from the sum of this value plus the above-mentioned differential is 5.471 %.
  • No. of monthly repayments: 300. Date the first monthly repayment is due: April 5, 2024. Repayments in first year: € 688.30. Subsequently: € 910.39. Except the last repayment of € 908.43. In order to calculate the repayments, total interest, total cost and the total amount owed as from the second year, the higher borrowing rate between the initial fixed rate and the reference index (one-year Euribor rate published monthly in the Official Journal of the State) plus the differential has been applied. The repayments have therefore been calculated by taking into account an APR of 5.471 %. Nonetheless, we inform you that, as from the second year, the repayments' amount may vary depending on the variable interest rate to be applied.
  • Total amount owed: € 272,546.46. Total interest: € 120,449.96. Total cost of mortgage loan: € 122,546.46.
  • Annual costs without meeting requirements (interest rate without bonus): Indemnity insurance (5): € 59.98. 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).

 

 

Repayment amount calculation formula: The instalments must include capital and interest, and they shall be presented as a constant amount, until the interest rate is reviewed.
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 Variable AER indicated above has been calculated on March 5, 2024 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 and under the hypothesis that the reference index does not vary, therefore, it will vary with the revisions of the interest rate. Monthly principal and interest repayments.
Due to the fact that the account is subject to fixed maintenance fees and, where appropriate, the debit 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.

In the event of early repayment or redemption, either partial or full, of the loan during the first three years the loan agreement is in force, a compensation amount or fee 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 0.25% of the principal repaid early, no obstante, hasta el 31 de diciembre de 2024, no se devengarán compensaciones o comisiones por reembolso o amortización anticipada total y parcial.

(4) Annual Protection Home Insurance premium calculated for an empty flat measuring 90 m2 whose structure is valued at €72,000.00. 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 Banco, S.A. 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.

Can we help you?

Also at 952 076 263 or through the contact form.

Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

We also put other contact methods at your disposal:

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