Hipoteca Básica

  • Preferred by our customers

    The most flexible loan for obtaining your home. Choose the type of interest rate and the term that best suits your needs

  • Financing of up to 80% of the investment or of the appraisal value. Repayment term of up to 30 years. Fixed, variable and mixed interest rate.
  • Drawing of a green key

    Benefits of the Hipoteca Básica (The Essential Mortgage)

    • You can choose the interest rate that suits you best.
      • At a fixed interest rate: it allows you to ensure the interest rate to be paid throughout the life of the loan.
      • At a variable interest rate: the interest rate of your mortgage will adjust to market conditions, with half-yearly reviews according to the evolution of the 12-month Euribor, as published in the BOE (Spanish Official State Gazette).
      • At a combined interest rate: assuring you a fixed interest rate during an initial period that can be of up to 7 years, and then a variable interest rate with half-yearly reviews.
    • Financing of up to 80% of the value of your property.
    • Maximum repayment term of 30 years if the fixed interest option is chosen.
    • Without appraisal fee and if you choose a fixed interest rate, no interest rate risk compensation fee is applied.
    • You can choose the day that your payments fall due.

    Interest rates if you are a Banca Personal customer

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

    APR: 3.17% for an arrangement of €150,000 over 25 years, with a fixed interest rate of 2.60%.

    For more details you can consult the conditions of the Hipoteca Básica (The Essential Mortgage) (PDF, 105 kB)


    More information on the Hipoteca Básica (The Essential Mortgage)

    Pre-contractual information note (FIPRE) (PDF, 437 kB)