ABANCA Digital Mortgage: Your mortgage starts online
Get your mortgage from wherever you are.
Calculate your payment, upload your documents from your mobile, and get your approval with the support of a digital ABANCA manager—no need to visit a branch until signing.
A specialized manager will guide you through the next steps, and you can check the status of your application online. Mortgage approval is subject to ABANCA's analysis and approval. The loan is formalized before a notary.
Make a first simulation in just a few minutes
Enter the property details and answer a few questions about your situation. In a short time, you will be able to find out:
- The estimated monthly payment.
- The amount you could request.
- The repayment term.
- The conditions of the different mortgage options.
- Your possible interest rate discounts.
Choose the mortgage that suits you
At ABANCA, you can evaluate different options based on the installment you are looking for and how you want to organize your payments.
Mari Carmen Fixed-Rate Mortgage
A fixed rate throughout the entire contracted term, not dependent on Euribor fluctuations.
- No opening or contract modification fees.
- Terms of 15, 20, 25, or 30 years.
- Up to 80% of the lower value between appraisal and purchase price, according to conditions.
- Possibility of interest rate reduction when contracting certain products or services.
Mari Carmen Variable Mortgage
A mortgage whose interest rate is reviewed annually according to the evolution of the reference index.
- Fixed payment for the first year and variable for the rest of the period.
- Payment that may increase or decrease depending on the Euribor.
- Possibility to improve the interest rate by contracting certain products or services that provide access to a discount.
- No opening or contract modification fees.
Mari Carmen Mixed Mortgage
An initial fixed-rate stage, followed by a variable-rate stage. An option for those seeking stability at first and flexibility later on.
- First five years at a fixed rate. The remaining term at a variable rate.
- Up to 80% of the lower value between appraisal and purchase price, according to conditions.
- Possibility to improve the interest rate from the first year by taking out selected products.
- No opening fee or fee for contract modification.
This is the digital process of taking out a mortgage with ABANCA
Online management, with the support you need
Start your application from home with the convenience of online banking and the support of an expert team at your service:
Continuous care tailored to you:
Combine the immediacy of a virtual assistant for your quick questions with the guidance of a personal manager who will support you throughout the entire process.
Access to information:
Check the status of your application, submit any pending documents, and follow each stage from your private area.
Quick Comparison of ABANCA Online Mortgages
Discover our mortgage comparison tool to help you choose the home loan that best suits your needs.
| Hipoteca | Orientada a… | Tipo de Juro | Gestão Digital |
|---|---|---|---|
| Hipoteca Fixa | Tranquilidade e prestações fixas | Fixo durante toda a vida do empréstimo hipotecário | 100% online até ir ao notário |
| Hipoteca Mista | Estabilidade inicial e flexibilidade depois | Fixo (primeiros 5 anos) + Variável | 100% online até ao trâmite no notário |
| Hipoteca Variável | Segundo a evolução do Euribor | Revisão periódica segundo a evolução do Euribor | 100% online até ir ao notário |
Calculate your payment before deciding
Before applying for your mortgage, compare the available options and check how the monthly payment and total cost change depending on:
- The amount you need for the property.
- The repayment term.
- The mortgage interest rate.
- The products or services that may offer discounts.
The result of the simulation is for guidance only and does not constitute a binding offer.
Do you have questions about Online Mortgages? We have answers
Questions
La principal ventaja de la Hipoteca Mari Carmen es que tiene un tipo de interés muy competitivo y además puedes hacer que sea mucho más reducido.
¿Cómo? 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 de manera online la cuota mensual y la forma que tienes para reducir el tipo de interés según tus necesidades.
Además tendrás mucha más información que te ayudará en el proceso de búsqueda de hipoteca para la compra de tu vivienda. Conseguirás la mejor opción para tí.