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Fixed Mortgage Calculator

Calculate your mortgage repayments

If you've already started an application, click here.

Property purpose

Property type

Where is the house located?

Please select a location

How much does the home cost tax-free?

MIN. €40,000
MAX. €500,000
Importe de vivienda: 40.000 a 500.000€

How much do you want to borrow?

MIN. €30,000
MAX. €3,000,000

How long do you want to repay it over?

MIN. 5 years
MAX. 30 years
Term from 5 to 30 years.
Calculate
In order to apply for your mortgage, your tax residence must be in Spain

 

Applicable interest rate

Up to 15 years

16-20 years

21-25 years

26-30 years

Subject to discount conditions 1.15% NIR2 (1.35% APR5) 1.25% NIR2 (1.45% APR5) 1.30% NIR2 (1.49% APR5) 1.35% NIR2 (1.54% APR5)
Not subject to discount conditions 1.55% NIR2 (1.55% APR5) 1.65% NIR2 (1.65% APR5) 1.70% NIR2 (1.70% APR5) 1.75% NIR2 (1.76% APR5)

 

Want to know more about the mortgage calculator?

How do you calculate your mortgage?

When buying a home it is important to know which options are available to you as a customer. Our online mortgage calculator allows you to:

  • Apply for your online mortgage in just a few minutes, no matter where you are.
  • Consult the amount of your monthly repayment and the fees and expenses associated with your home purchase.

How does our mortgage calculator work?

Simply choose from the available options according to the house you would like to purchase:

  • Primary home or second home.
  • If it is new or resale home.
  • The Autonomous Region where it is located.

Next, you will need to enter:

  • The cost of the property. Bear in mind that if it is new, you should enter the amount withou VAT in the field "how much does the home cost tax-free?".
  • The amount you would like to borrow.
  • How long you would like to repay it over.

Lastly, click on “Calculate” and the tool will simulate your online mortgage with the different options available (with a fixed, variable or mixed-rate mortgage) so that you can decide which type best meets your needs.

What type of Open Mortgage do you prefer?  

  • Open Fixed-Rate Mortgage: The monthly mortgage payment will remain the same over the term of the loan, regardless of variations in the Euribor.
  • Open Variable-Rate Mortgage: The monthly mortgage payment may go up or down every six months, depending on variations in the 12-month Euribor.
  • Open Mixed-Rate Mortgage: The monthly mortgage payment will remain fixed for the first 10 years. From then on, it will be updated according to the current 12-month Euribor rate at the time.

How do you calculate your mortgage?

When buying a home it is important to know which options are available to you as a customer. Our online mortgage calculator allows you to:

  • Apply for your online mortgage in just a few minutes, no matter where you are.
  • Consult the amount of your monthly repayment and the fees and expenses associated with your home purchase.

How does our mortgage calculator work?

Simply choose from the available options according to the house you would like to purchase:

  • Primary home or second home.
  • If it is new or resale home.
  • The Autonomous Region where it is located.

Next, you will need to enter:

  • The cost of the property. Bear in mind that if it is new, you should enter the amount withou VAT in the field "how much does the home cost tax-free?".
  • The amount you would like to borrow.
  • How long you would like to repay it over.

Lastly, click on “Calculate” and the tool will simulate your online mortgage with the different options available (with a fixed, variable or mixed-rate mortgage) so that you can decide which type best meets your needs.

What type of Open Mortgage do you prefer?  

  • Open Fixed-Rate Mortgage: The monthly mortgage payment will remain the same over the term of the loan, regardless of variations in the Euribor.
  • Open Variable-Rate Mortgage: The monthly mortgage payment may go up or down every six months, depending on variations in the 12-month Euribor.
  • Open Mixed-Rate Mortgage: The monthly mortgage payment will remain fixed for the first 10 years. From then on, it will be updated according to the current 12-month Euribor rate at the time.