The times that entities downs of trying to counter the Euribor, the rate at 87% of mortgages in Spain are signed variable rate, according to the latest data from the National Statistics Institute ( INE), increasing the differential seems left behind
So the Euribor September 2014 concluded month to the lowest level in its history.% to 0,362, confirmed this week the Bank of Spain. Meanwhile, the average spread stood mortgage that month, at 2,247% (a year earlier, the average age of 3,144% and Euribor of 0.543%), according to the calculator Bankimia.
The emergence of new mortgages and rate reductions on existing, in recent months, have led to this decline. In fact, in recent days, at least three entities have lowered or raised new interests. We list below the ten most outstanding moment extracted from the comparison Bankimia mortgages. All with a spread below 2.00%. A year ago, in this same list only three had a lower mortgage interest to this percentage.
1. Today it is the most economical in the market. Mortgage CajaSur applies a fixed interest rate of 2.50% during the first 24 months while for the rest of the amortization period of Euribor + 1.25% if the customer subscribes six other products of the company. This is domiciled payroll and hires three safe (payment protection, home and life insurance), a card and a pension plan of the entity. The payback period is a maximum 30 years and finances up to 80% of the property purchase.
2. Fidelis Mortgage Net Cash-Duero Spain, lengthening the repayment period to 40 years if the holder is under 35 at the time of hiring her, adds a fixed interest rate of 3.00% during the first year. Part of Euribor + 1.65% for the remaining term. To do this requires an entity linked to a payroll and hiring domiciling life insurance and a home, a credit card and other debit and a pension plan.
3. Unoe has lowered the interest on your mortgage Uno-e by 0.15 percentage points. Now part of Euribor + 1.65% if the holder is domiciled in the state payroll and hire home insurance and other life with a single premium financed. The maximum repayment term is 35 years and has no fees, prepayment or early termination.
4. He has also cheapened the interest of the Mortgage No More, Bankinter. The first 12 months has a fixed 2.50% and the rest of Euribor + 1.70%. Among the requirements, underwrite two fasteners (one home and one of life) and a payroll and basic household bills. In addition, a minimum monthly income of 2,000 Euros are also required (until recently were 3,000 euros). It is 30 years.
5. The same maximum repayment term has the Db HipoteCasa of Deutsche Bank. To get the best interest rate (2.75% and the first 12 months Euribor + 1.79% for the remainder of the term) high bonding is required: hire three insurance (payment protection, home and life), household payroll and three receipts and hold a debit card and a credit to an expense of at least 3,000 per year.
6. Also new in the top ten of outstanding mortgages at the time. For the purchase of a first home, BBVA Mortgage bears interest at 2.27% the first year and Euribor + 1.80% for the rest. It has no arrangement fee. Besides household payroll, you should hire a home insurance, another life, a credit card and a pension plan for the best interest. Review is six months.
7. Orange Mortgage from ING Direct, with a repayment term up to 40 years without commissions, is for the purchase of a first home. Part of an interest rate of Euribor + 1.89%. And it depends on the quantity, on time and whether the owner has contracted with an entity other products such as home insurance and one life, if you have your salary paid …
8. Also for the purchase of a first home is meant the New Mortgage, Banco Santander. The first 12 months have a fixed interest rate of 2.85% and the rest of Euribor + 1.89%. Thus if the owner signs a life insurance and a home that is free the first year, also a credit card and a debit card with which he has to perform three quarterly purchases and household three bills and payroll. Revenues holders must exceed 2,500 euros.
9. Have similar interests, Mortgage Now, Liberbank. Thus, from the first year applies a variable rate of Euribor + 1.89% while the fixed rate of the first 12 months is 2.95%. At 30 years old, finances up to 80% of the appraised value of the home. To achieve the best conditions have to hire home insurance and a credit card with which you should shop for more than 1,500 euros a year amount. Also household payroll. The income of all holders should be greater than 2,000 euros a month.
10. Finally, the Mortgage Opportunity of Hipotecas.com, mortgage marketing channel through Internet Real Estate Credit Union, SAEFC, closes the list. It has no arrangement fee and requires the customer’s personal contribution is equal to or greater than 30% of the purchase price of the home. Also you get an insurance payment protection, a home and a life and domicile payroll and receipts in an account of Banco Santander. The interest is 2.95% for the first 12 months Euribor + 1.99% thereafter.
Bankimia
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