Hipoteca Sin Comisiones Variable

  • Only for paying directly your incomes (1) we remove you the fees if contracts one mortgage.

  • Without start-up fee. Without appraisal fee. Without cancellation nor early amortisation fee.
  • Drawing of a green key

Advantages of the Hipoteca Sin Comisiones Variable

Icon mortgage We have thought in you and you offer a mortgage where we do not be paid fees

  • Deadline: up to 30 years.
  • Amount: up to 80% of the investment in a main home.
  • Monthly fees.
  • Variable rate interest(2) .
  • From 1.99% TIN first year, EURIBOR + 0.99 % TIN, 1.05% APR. All the representative examples.
  • If you prefer, you can have a mixed mortgage at a fixed rate for up to seven years and at a variable rate for the remaining years.


See Simulator of mortgages

Bankia takes over of following expenses of the mortgage:

Tax AJD: The attributes/taxes derived from this operation in which Bankia is passive subject.

Land Registry: Expenses related to registering this mortgage deed in the Land Registry.

Management agent: Expenses of management.

Notarial tariffs derived from the MATRIX of the writing. Similarly, will be payable by Bankia the notarial copies of the requested writing by Bankia in its own interest, (this is the electronic copy for the telematic presentation, the/s requested copies/s by Bankia for the enrollment registered of the mortgage and for the settlement of the taxes to its charge, as well as the copy executive how much requests it).

More information of the Hipoteca Sin Comisiones Variable

Further information (Act 3/2016 Andalusia)

Additional Pre-Contractual Information Document (DIPREC) Incomes equal to or more than € 3,000 (PDF, 267 kB), Incomes between € 1,200 and € 3,000 (PDF, 235 kB), Incomes lower than € 1,200 (PDF, 250 kB).


(1) You can consult the full conditions published in the Payroll Service.

(2) Calculation formula of the fees of principal and interest repayment with the system of repayment French,
The fee of loan repayment depends on the amount, interest rate and term and is calculated with the next formulates:

Interests for fee = (Cp * i)/12
Repayment of principal = Fee - Interests for fee
Co = nominal amount of the loan, principal
n= duration of the operation in months
i= annual interest rate/12 in so much for one.
Cp= Pending Capital

The fee will remain constant for every interest rate period, but it will vary in the date in which corresponds the review of the reference rate, returning to remain constant in the new value until the following review. This system pursues maintain the fee the stablest possible, paying more interests in the beginning, and increasing the addition set aside for amortise the capital in agreement go passing payments of the fees.

Mortgage secured loan. Subject of approval granting of Bankia.