WHAT CAN I GET?

Up to 100% of the purchase price

Acquire your new home while you sell the previous one with the Hipoteca Cambia de casa and get financing for up to 100% of the purchase price.

To acquire your new home.

  • Purchase of a residential home: The maximum amount of the loan may reach 100% of the purchase-sale price of the new residential home, not including expenses or taxes. The maximum term for the operation will be 30 years (the term of the mortgage plus the age of the holder upon signing may not exceed 80 years).
  • The customer will be able to enjoy a grace period on repaying the capital of up to 12 months, during which he can sell his current home.
  • This mortgage can be requested at both a fixed and variable rate.
  • Compensation or commission for reimbursement or total or partial early amortization:
  • Variable Rate: one of the following conditions will be agreed:

0.25% of the capital repaid in advance when the partial or total repayment occurs during the first three years of the life of the loan,

0.15% when the partial or total repayment occurs during the first five years of the life of the loan.

In no case may the compensation exceed the amount of the financial loss2 that the Bank could suffer.

Notwithstanding the foregoing, in accordance with Royal Decree-Law 19/2022 of 22 November, until 31 December 2023 no compensation will accrue in the event of partial or total early repayment.

  • Fixed Rate: compensation will consist of:

2% of the principal repaid in advance when the partial or total repayment occurs during the first ten years of the life of the loan, and

1.5% of the principal repaid early when repayment occurs at a later date.

In no case may the compensation exceed the amount of the financial loss3 that the Bank could suffer.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

Bridging Mortgage

Icon / check Created with Sketch. Get financing for up to 100% of the purchase price.

Icon / check Created with Sketch. Maximum term of the operation: 30 years

You might be interested in

×
${loading}
×