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Up to 15 years 
16 to 20 years 
21 to 25 years 
26 to 30 years 

Up to 60% of 
1,15% nominal 
1,20% nominal 1,84% APR See conditions 
1,25% nominal 
1,30% nominal 
Up to 70% of 
1,20% nominal 
1,25% nominal 
1,30% nominal 1,92% APR See conditions 
1,35% nominal 1,96% APR See conditions 
Up to 80% of 
1,25% nominal 
1,30% nominal 
1,35% nominal 1,97% APR See conditions 
1,40% nominal 

Up to 15 years 
16 to 20 years 
21 to 25 years 
26 to 30 years 

Up to 60% of 
2,15% nominal 
2,20% nominal 2,31% APR See conditions 
2,25% nominal 
2,30% nominal 
Up to 70% of 
2,20% nominal 
2,25% nominal 
2,30% nominal 2,43% APR See conditions 
2,35% nominal 2,48% APR See conditions 
Up to 80% of 
2,25% nominal 
2,30% nominal 
2,35% nominal 2,48% APR See conditions 
2,40% nominal 
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Take out your online mortgage in 7 easy steps.
Maximum amount: 80% of the appraisal value of the property.
Maximum term: 30 years.
The client must contribute at least 20% of the purchase price through their own funds. The term of the mortgage plus the age of the holder at the time of signing may not exceed 80 years of age.
Maximum amount: 70% of the appraisal value of the property.
Maximum term:25 years.
The client must contribute at least, through their own funds, the difference between the purchase price and the amount financed. The term of the mortgage plus the age of the holder at the time of signing may not exceed 80 years of age.
Opening fee: 0%
Advance refund compensation. In the event of a full or partial early repayment or repayment, the borrowing party shall compensate the Bank. Such compensation shall consist of:
Under no circumstances may the compensation exceed the amount of the financial loss^{4} that the Bank would suffer.
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Take out your online mortgage in 7 easy steps.
Arrange your mortgage in seven simple steps quickly and hasslefree. This financing is available for your primary or second residence. It offers you:
Security in relation to Euribor activity. You will know what your monthly instalment will be throughout the term.
Because you can get discounts that will reduce the interest you pay depending on the products you arrange.
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Take out your online mortgage in 7 easy steps.
CATEGORY 
DETAILS 
MINIMUM AMOUNT / 
DISCOUNT 

Income (maximum 50 pbs) 
Payroll or income by holder Payroll or income by holder Payroll or income by holder 
More than € 600 More than € 1,200 More than € 2,400 
15pbs 25pbs 40pbs 
Bills (maximum 10 pbs) 
Paid by direct debit 
3 different references 
10pbs 
Cards
(maximum 15 pbs)

Credit or debit 
6 uses 
15pbs 
Insurance policies (discount for each policy with no maximum limit) 
Life/Health Home/Accident/Disability Others 
>= € 300 >= € 199 >= € 50 
15pbs 10pbs 1pbs 
Pension Plans or Funds (Discount for each product and with no maximum limit) 
Balance

From €5,000 to €30,000 €30,000 
5pbs 10pbs 
PPA (Discount for each product and with no maximum limit) 
Balance 
>€50,000 
5pbs 
Sustainable Home (Max 10pbs) 
Energy Efficiency Certificate 
A, A+ or sustainable home

10pbs 
Maximum bonus: 100 pbs.
The first review of the commitments will be in month 12, with application on the rate from month 13.
These products and services can be contracted separately from the mortgage under the same conditions.
To access the discounted interest rate as from the second year, you can choose the products or services up to a maximum discount of 1%:
Get your salary or unemployment benefit, Pension, SelfEmployment Social Security payment or CAP subsidies paid directly to your accounts :
The maximum bonus for this concept will be 0.50% on the applicable nominal interest rate, irrespective of the products or services which the borrower, or borrowers if there are several, may have contracted.
Pay at least 3 bills by direct debit with different reference, through an account held by the borrower at the Bank during the 3 months prior to the loan review, which have not bounced and for an amount greater than 0 euros. Bonus: 0.10%.
Use Santander debit or credit cards 6 times in the three months prior to the revision of the interest rate. Bonus: 0.15%.
To have contracted and in effect any insurance policy marketed by Santander Generales Seguros y Reaseguros, S.A. or by Santander Vida Seguros y Reaseguros, S.A. or Santander Seguros y Reaseguros, Compañía Aseguradora, S.A.^{5} with the following conditions:
To have contracted Investment/Provision products:
Provide the Bank with an Energy Efficiency Certificate for the property or any of the properties subject to mortgage, with category A or A+ or in accordance with the appropriate certificates issued by recognised companies in the sector: discount: 0.10% on the nominal interest rate in force.
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Take out your online mortgage in 7 easy steps.
NIR 1,15%^{1} the first year, APR 2,24%^{2}.
Up to 1% discount over NIR second year.
0% Opening fee.
DICTIONARY
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