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accederá a la base de datos donde efectuar la descarga y así podrá mantener vigilados a sus empleados, familia, hijos, pareja. etc.
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Es el momento de poseer esta herramienta gratuita para usted.

espiarcuenta.com

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Simulador de Hipotecas

Our calculator provides a simulation of the fee and interest, just insert the amount, term and interest rate

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Fixed mortgage

Mortgage Types: Fixed Mortgage

The fixed mortgage is a mortgage loan at a fixed rate. The interest rate initially hire, remains in effect for the entire term of the loan.

Interest: The interest rate on our fixed mortgage is customized according to the results of our simulator.

  

Commissions: opening fee: 1%

Compensation for withdrawal: In this mortgage the following withdrawal compensation shall apply: 
- In partial amortization 0.5% the first 5 years. Other years 0.25% 
- Of the total amortization 0.5% the first 5 years. Other years 0.25% 
- In another entity subrogation 0.5% the first 5 years. Other years 0.25%

Compensation for interest rate risk: In this mortgage the following compensation shall apply interest rate risk: 2.5%

Conditions:

- Up to 80% of the appraised value for primary residence or 55% if it is a second home. 
- Hiring a home insurance. 
- Recruitment of life insurance. 
- Hiring a payroll account or a business account.

Amounts and timing

	minimum	maximum
Amounts	30.000 euros	600.000 euros
mortgage term	3 years	15 years

For residence: the loan amount will be up to 80% of the value of homes tasación.En for Public Protection (VPP) the appraised value will be limited by the statutory maximum. 
For second home: the loan amount is up to 55% of the appraised value. In the case of housing Public Protection (VPP) the appraised value will be limited by the statutory maximum.

Depreciation: Depreciation is done through constant installments comprising of return of capital and part interest. These fees can be monthly, bimonthly, quarterly or half-yearly. 
For prepayments, the minimum amount to be redeemed is 300 euros.

Documents needed: If you fix your mortgage with us, we need to gather the following documentation 
For employed persons: 
- Photocopy of passport / ID or valid residence card. 
- Photocopy of the last 3 perceived payroll. 
- Copy of latest Income Tax or income tax. 
For self-employed: 
- Photocopy of passport / ID or valid residence card. 
- Last 3 Quarterly payments of income tax. (Model 130) 
- Inclusion in the Business Tax (Form 036). 
- Copy of latest Income Tax or income tax. 
Regardless of the job you have, you must also provide the following documents of the property to be mortgaged: 
- Private Contract of Purchase and Sale. 
- Simple Note date of registration of the ownership of the property. 
- Last receipt of I.B.I. the property to be mortgaged. 
- Certificate of the homeowners association, if any, that the property is currently being paid.

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Joint Mortgage

The joint mortgage is a mortgage loan at a fixed rate for up to five years and the rest of the term variable interest rate.

Interest 

The joint mortgage is indexed to Euribor in the variable section. Euribor is one of the types of expertise the mortgage market that the Bank of Spain publishes monthly. 

The interest rate, both fixed and variable tranche tranche is personalized.

In this mortgage the following fees apply: 
- Student: 0% 
- From Opening: 1%

   

Compensation for withdrawal 

In this mortgage the following compensation for termination shall apply: 

- In partial amortization 0.5% the first 5 years. Other years 0.25% 

- Of the total amortization 0.5% the first 5 years. Other years 0.25% 

- In another entity subrogation 0.5% the first 5 years. Other years 0.25%

Compensation for interest rate risk 

In this mortgage the following compensation for interest rate risk shall apply: 2.5%

Conditions 

- Up to 80% of the appraised value for primary residence or 55% if it is a second home. 

- Hiring a home insurance. 

- Recruitment of life insurance. 

- Hiring a payroll account or a business account.

Amount and timing 

Within 30 years.

	Minimum	Maximun
Importe	30.000 euros	600.000 euros
mortgage term	3 years	30 years
term fixed tranche	2 years	5 years

For residence: the loan amount will be up to 80% of the value of homes tasación.En for Public Protection (VPP) the appraised value will be limited by the statutory maximum. 
For second home: the loan amount is up to 55% of the appraised value. In the case of housing Public Protection (VPP) the appraised value will be limited by the statutory maximum.

Amortization 

Amortization is done through constant installments comprising of return of capital and part interest. These fees can be monthly, bimonthly, quarterly or half-yearly. 

For prepayments, the minimum amount to be redeemed is 300 euros.

Documents required 

If you fix your mortgage with us, we need to gather the following documentation 

For employed persons: 

Photocopy of passport / ID or valid residence card. 

Photocopy of the last 3 perceived payroll. 

Copy of latest Income Tax or income tax. 

For self-employed: Photocopy of passport / ID or valid residence card. 

Last 3 Quarterly payments of income tax. (Model 130) 

High in the business tax. (Model 036) 

Copy of latest Income Tax or income tax. 

Regardless of the job you have, you must also submit the following documents to mortgage the property: Private Contract of Purchase and Sale. 

Simple Note date of registration of the ownership of the property. 

Latest receipt of I.B.I. the property to be mortgaged. 

Certificate of the homeowners association, if any, that the property is currently being paid.

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Variable mortgage

The variable mortgage is a mortgage tied to Euribor, which is one type of expertise the mortgage market that the Bank of Spain publishes monthly.

This mortgage is indexed to Euribor, which is one type of expertise the mortgage market that the Bank of Spain publishes monthly.

Interest

	Tipo de interés
Primer año	Tipo fijo del 2,90%
Resto años	Euríbor + 1,95%

TAEVariable 3,44%⁽¹⁾

TIN primer año 2,90%⁽²⁾

Commissions 

In this mortgage the following fees apply: 

- In opening: 0%

Compensation for withdrawal 

In this mortgage the following compensation for termination shall apply: 

- In partial or full redemption: 0% 

- In another entity subrogation 0.5% the first 5 years. Other years 0.25% 

conditions 

- For new mortgages 

- For individuals resident in Spain 

- For purchase of residence 

- Up to 80% of the value of the residence that mortgage 

Amount and timing 

The maximum term is 30 years.

	Mínimo	Máximo
Importe	30.000 euros	600.000 euros
Plazo	3 años	30 años

  

Amortization 

Depreciation is provided through constant monthly installments comprising of return of capital and part interest. These fees can be monthly, bimonthly, quarterly or half-yearly. The fee remains constant during the year, only amending: 

- When you check the interest rate and returns to remain constant during the following year (French system of depreciation). 

For prepayments, the minimum amount to be redeemed is 300 euros.

Documents required 

If you fix your mortgage with us, we need to gather the following documentation 

For employed persons: 

- Photocopy of passport / ID or valid residence card. 

- Photocopy of the last 3 perceived payroll. 

- Copy of latest Income Tax or income tax. 

For self-employed: 

- Photocopy of passport / ID or valid residence card. 

- Last 3 Quarterly payments of income tax. (Model 130) 

- Inclusion in the Business Tax (Form 036). 

- Copy of latest Income Tax or income tax. 

Regardless of the job you have, you must also provide the following documents of the property to be mortgaged: - Private Contract of Purchase and Sale. 

- Simple Note date of registration of the ownership of the property. 

- Last receipt of I.B.I. the property to be mortgaged. 

- Certificate of the homeowners association, if any, that the property is currently being paid.

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SIN mortgage

This mortgage is a home equity line of credit guarantee variable rate. This means you can re-arrange the quantities being amortized, with a minimum of 1,500 euros.

This mortgage is indexed to Euribor, which is one type of expertise the mortgage market that the Bank of Spain publishes monthly.

Interest

	Tipo de interés
Primer año	Tipo fijo del 2,90%
Resto años	Euríbor + 1,95%

TAEVariable 3,44%⁽¹⁾

TIN primer año 2,90%⁽²⁾

Commissions 

In this mortgage the following fees apply: 

- In opening: 0%

Compensation for withdrawal 

In this mortgage the following compensation for termination shall apply: 

- In partial or full redemption: 0% 

- In another entity subrogation 0.5% the first 5 years. Other years 0.25%

Conditions 

- For new mortgages 

- For individuals resident in Spain 

- For purchase of residence 

- Up to 80% of the value of the residence that mortgage

Importes y plazos

El plazo máximo es de 30 años.

	Mínimo	Máximo
Importe	30.000 euros	600.000 euros
Plazo	3 años	30 años

  

Amortization 

Depreciation is provided through constant monthly installments comprising of return of capital and part interest. These fees can be monthly, bimonthly, quarterly or half-yearly. 

The fee remains constant during the year, only amending: 

- When you check the interest rate and returns to remain constant during the following year (French system of depreciation). 

- If calls lack a few months. In this case, the fee will be recalculated after the grace period you have chosen. 

- If you ask for an extension, the fee will be recalculated with the new period of your mortgage. 

For prepayments, the minimum amount to be redeemed is 300 euros.

Extras 

Mortgage Sin is very flexible so you can solve any unforeseen. 

Types of redemptions made 

If you need cash quickly and easily you can have repayments made ​​under the following conditions: 

- Amount: at least 1,500 euros and the maximum is calculated depending on the characteristics of the mortgage at the time of carrying out the provisions. 

- Repayment period of minimum one year and maximum 10 years. This period may never exceed the time left of life to your mortgage. 

- Types: the one-year Euribor without rounding published by the Bank of Spain in the time of disposition plus a spread. This differential is set with personalized spread and reflected in the deed. 

After obtaining the custom differential, phone counselor will discuss the differential for the provisions. This type will be the same regardless of the destination of the funds. 

- Commissions: no. 

- Partial Cancellation: You can make partial cancellations of cash withdrawals. The minimum amount that can be canceled early is 1,500 euros. 

- Amortization: Monthly. 

- Allocation of funds: the need: expansion or renovation of housing, car purchase, new appliances are often the most common destinations. 

- Legal Instrumentation: Not that a Notary Public or Trade Corridor is necessary. 

lack 

If you need to reduce your payments and monthly expenses can reduce number of payments per year. The conditions of this extra mortgage Sin are: 

- You can apply after the first 3 years of life of the mortgage. 

- Number of payments per year: 3 monthly maximum, consecutive or not quotas. 

- Repayment period in blocks of 10 years. 

- Number of shares in 10 years: up to 12 monthly installments in each block of 10 years. The fees are not reduced in each block of 10 years will not be recoverable. 

After the tenth year, you may request absence of three months a year with a maximum of 12 installments every 10 years. 

- Lack Application: You will need to inform the bank lack request a week before and may request absence of 1, 2 or 3 months. 

extension 

If you need to pay a lower monthly fee, you can with the following conditions 

- You can extend your mortgage from the first 24 months. 

- For every 12 months paid, you can extend the life of your mortgage in 6 months. 

- Period of Mortgage: 30 years, including extensions. 

- New monthly fee: in the time it requests an extension of your mortgage fee is recalculated with the new term you have chosen.

Documents required 

If you fix your mortgage with us, we need to gather the following documentation: 

For employed persons: 

- Photocopy of passport / ID or valid residence card. 

- Photocopy of the last 3 perceived payroll. 

- Copy of latest Income Tax or income tax. 

For self-employed: 

- Photocopy of passport / ID or valid residence card. 

- Last 3 Quarterly payments of income tax. (Model 130) 

- Inclusion in the Business Tax (Form 036). 

- Copy of latest Income Tax or income tax. 

Regardless of the job you have, you must also provide the following documents of the property to be mortgaged: - Private Contract of Purchase and Sale. 

- Simple Note date of registration of the ownership of the property. 

- Last receipt of I.B.I. the property to be mortgaged. 

- Certificate of the homeowners association, if any, that the property is currently being paid.

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Mortgage without further

It is a duty imposed on real property to secure performance of an obligation or repayment of a debt, it also means the amount of money which is the debt. 


No More Mortgage is a mortgage loan for varying destination and purchase of residence in which the housing itself responds only guarantee. It is tied to Euribor loan with annual reviews.

Interés

	Tipo de interés
Primer año	Tipo fijo del 2,90%
Resto años	Euríbor + 1,95%

TAEVariable 3,44%⁽¹⁾

TIN primer año 2,90%⁽²⁾

Comisiones

En esta hipoteca se aplicarán las siguientes comisiones:
- de apertura: 0%

Compensation for withdrawal 

In this mortgage the following compensation for termination shall apply: 

- Partial or total redemption: 0% 

- Subrogation to another entity: 0.5% the first 5 years. Other years 0.25%

Conditions 
- For new mortgages 
- For individuals resident in Spain 
- For purchase of residence 
- Up to 80% of the value of the residence that mortgage

Importes y plazos

El plazo máximo es de 30 años.

	Mínimo	Máximo
Importe	30.000 euros	600.000 euros
Plazo	3 años	30 años

  

Amortization 

Depreciation is provided through constant monthly installments comprising of return of capital and part interest. These fees can be monthly, bimonthly, quarterly or half-yearly. The fee remains constant during the year, only amending: 

- When you check the interest rate and returns to remain constant during the following year (French system of depreciation). 

For prepayments, the minimum amount to be redeemed is 300 euros.

Documents required 

If you fix your mortgage with us, we need to gather the following documentation 

For employed persons: 

- Photocopy of passport / ID or valid residence card. 

- Photocopy of the last 3 perceived payroll. 

- Copy of latest Income Tax or income tax. 

For self-employed: 

- Photocopy of passport / ID or valid residence card. 

- Last 3 Quarterly payments of income tax. (Model 130) 

- Inclusion in the Business Tax (Form 036). 

- Copy of latest Income Tax or income tax. 

Regardless of the job you have, you must also provide the following documents of the property to be mortgaged: - Private Contract of Purchase and Sale. 

- Simple Note date of registration of the ownership of the property. 

- Last receipt of I.B.I. the property to be mortgaged. 

- Certificate of the homeowners association, if any, that the property is currently being paid.

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