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Mortage Calculator

Variable-Rate Mortgage

Meeting discount conditions1:

Nominal interest rate from: Euribor +0.79%1.

1.99% NIR for the first year.

Variable APR: 2.19%2.

Arranging for your salary to be paid into an Openbank account and taking out Home Insurance through us.

Without meeting discount conditions1:

Nominal interest rate from: Euribor +1.19%1.

2.39% NIR for the first year

Variable APR: 2.41%2.

The applicable interest rate varies depending on the percentage of financing you apply for. Find out more

Fixed-Rate Mortgage

Meeting discount conditions1:

From 1.30% NIR1 ( 1.50% APR2).

Arranging for your salary to be paid into an Openbank account and taking out Home Insurance through us.

Without meeting discount conditions1:

From 1.70% NIR1 ( 1.70% APR2).

The applicable interest rate varies depending on the percentage of financing you apply for and the term you choose. Find out more

Mixed-Rate Mortgage

Meeting discount conditions1:

From 1.45% NIR for the first 10 years.

and from Euribor + 0%1 for the remainder of the term.

Variable APR: 1.65%2.

Arranging for your salary to be paid into an Openbank account and taking out Home Insurance through us.

Without meeting discount conditions1:

From 1.85% NIR for the first 10 years.

and from Euribor + 0.40%1 for the remainder of the term.

Variable APR: 1.85%2.

The applicable interest rate varies depending on the term you choose. Find out more

With a personal mortgage advisor

To make it even easier for you, you will be assigned a personal mortgage advisor who will assist you throughout the process until you purchase your home. You can apply for and track the progress of your mortgage online.

Applicable fee for full prepayment:

- For variable-rate mortgages, or during variable-rate tranches of any other mortgage: 0.25% of the remaing mortgage balance repaid early (full prepayment) during the first three years of the mortgage term.

- For fixed-rate mortgages, or fixed-rate tranches of any other mortgage: 

 2% of the remaining mortgage balance repaid early (full prepayment) during the first 10 years of the mortgage term; or,

1.5% when the full prepayment is made during the remainder of the mortgage term.

The amount charged for full prepayment will not exceed financial loss5.

Calculate your 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
MÁX. 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

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 Discounted 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 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 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 Discounted 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 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 Euribor rate at the time.