Hipoteca Básica

  • The preferred one for our clients

    The most flexible loan for purchasing your house; choose the interest rate mode and repayment period that best meets your needs

  • Financing of until 80 % of the investment, or of the appraisal value. Until 30 years of repayment installment. Fixed interest rate, variable and mixed.
  • Drawing of a green key

Advantages of the Basic Mortgage

  • You will be able to choose the interest rate that better is adapted to you.
    • At a fixed interest rate: you allow ensuring the interest rate to be paid during all the loan life.
    • At a variable interest rate: the interest rate of your mortgage will go adapting to market conditions, with half-yearly reviews according to the evolution of the BOE EURIBOR 12 months.
    • At a combined interest rate: ensuring you a fixed interest rate during an initial period that it will be able to be of until 7 years, and then a variable rate interest with half-yearly reviews.
  • Financing of until 80 % of the value of your property.
  • Maximum repayment term of 30 years if is interest rate fixed.
  • Without appraisal fee and if you choose a fixed interest rate, clearing fee of risks is not applied by type of interest.
  • You will be able to choose on the day of your payments' maturity.

Interest rates if are client of Banca Personal

Fixed rate: from about 2.20 % starting from 10 years, until about 2.75 % until 30 years.

APR: 2.43 % for a supposition of 150,000€ to 25 years, with a fixed interest rate of the 2.30 % 12 first few months.

For more detail can consult the conditions of the Basic Mortgage (PDF, 135 kB)


Simulator of mortgages. Chooses the financing for the house of your dreams. Calculate fixed mortgage


More information of the Basic Mortgage


Pre-contractual information note (FIPRE) (PDF, 553 kB)