The perfect mortgage for you
The mortgage that adapts to you
After a long search, the moment has arrived: you’ve finally chosen a home. That’s why we want to offer you a mortgage that adapts to you and your needs—not the other way around. Whoever you are, whatever you’re looking for, we can help you make the best decision so you can choose the mortgage that best fits your new home.
Since everyone is different, we have different products depending on your situation. By the way, did you know we were among the first banks to offer a fixed-rate mortgage? It’s a choice that’s gaining more and more ground, although most mortgages formalized in Spain are still variable-rate.
Fixed or variable?
With our Fixed-Rate Mortgage, you will always pay the same installment. No surprises and no need to keep an eye on the Euribor every month: you’ll pay the same amount from start to finish. Plus, you choose how long you want to pay it off: 15, 20, 25, or even 30 years. The longer the term, the higher the interest rate, so make sure to compare offers from different banks for the same terms.
The Variable-Rate Mortgage is more flexible in terms, and it has a unique feature: if you need it, you could go two years without making payments. If you’re comparing different banks, in addition to the interest rate, also pay attention to the arrangement fees (ABANCA has been covering part of these costs for some time), any commissions that may apply, and the requirements they might set for you to get a certain rate. There are many more things to consider—why not schedule an appointment at one of our 700 branches and let us make you a personalized offer? Choose the day and time that suits you best. We’ll be delighted to welcome you.
Face-to-face is better
In the vast majority of cases, taking out a mortgage is the most important financial decision of our lives. You’ve probably spent a lot of time searching for your dream home, and you’re also likely spending a lot of time learning about the costs involved and comparing offers from different financial institutions.
You probably have an ABANCA branch very close by. Make an appointment, tell us about your situation, and we can provide you with more information so you can be sure you’re making the right decision.
Find out all the details
The Bank of Spain has published a guide for people who are thinking about buying a houseView PDF file with highly recommended information that can help you make the best decision.
In addition, at ABANCA we have prepared a summary with practical information: from tips on choosing the home you want to buy to general information about the expenses you may incur.
Learn more about our mortgages
Questions
Si quieres rebajar la cuota mensual, con nuestra Hipoteca dispones de una serie de bonificaciones que te pueden ayudar. Te aconsejamos que hagas una simulación de cómo sería tu hipoteca respondiendo a unas preguntas sobre la compra de la vivienda y tu situación personal. Podrás comprobar cuál sería la cuota mensual de tu Hipoteca y las distintas posibilidades que tienes para rebajarla, y así obtener la mejor opción para tí.
La Hipoteca a tipo fijo es una hipoteca con la que pagarás siempre la misma cuota, desde el primer mes hasta el último, con la tranquilidad que eso supone. Además cuenta con un tipo de interés muy competitivo que puedes mejorar con el sistema de bonificaciones, haciendo que sea aún más reducido. Haz tus cuentas.
Además, no tendrás que hacer frente a los gastos de notaría, registro ni gestoría. ¡Y no tendrás comisión de apertura!
Tienes toda la información en la FIPRE y en las Condiciones Generales del contrato, dos documentos que deberías leer con detenimiento si finalmente te decides a comprar casa.
If you haven't found what you're looking for here, we have more mortgages for you.
Shall we talk? Request a phone appointment and we’ll explain how to tailor these products to your needs.