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Mixed Mortgage

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Variable-rate Mortgage

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An expert carries out a personalised study to renegotiate the mortgage so that you find the modality that best suits you. Everything is simple and there's no commitment.

Once your application is approved, sign the mortgage subrogation and start saving on the installments you pay each month.

Unaffected by interest rate increases at the beginning, but **flexible to adapt to the market afterwards.**

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With the peace of mind of knowing that **you will pay the same instalment every month.**

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Choose whether you prefer to finance it with a **fixed or variable rate mortgage.**

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The mortgage may cover up to 80% of the purchase price or the valuation (whichever is the lower) for a first home. Up to 70% for second homes.

The monthly instalments should not exceed 40 % of your total income.

At Banco Sabadell we offer some services (discounts) that help to lower your mortgage interest rate (APR). You can take out one or more, but the more services you take out, the lower your interest rate will be. The services that include discounts are: direct deposit of salary, taking out Life Insurance, Home Insurance and Payment Protection Insurance.

- Your national identity document (DNI/NIF).
- Proof of other income, if you have it (rent, commissions, interest on accounts, overtime, etc.).
- The last 2 bills of your regular payments indicating outstanding balances (mortgages, personal loans, credit cards, alimony and maintenance payments, rent payments, other debts, etc.).
- Work history. You can request this through the Social Security website or by calling 901 502 050. If you are employed, submit your last income tax return and your last 2 payslips/pension receipts.
- If you are self-employed, you will need the tax return for the last 2 years and the quarterly income tax and VAT payments for the current year.
- If you are not a Banco Sabadell customer, we will need a bank statement for the last 6 months from your usual account (pay slips, main bills, etc.).

Glossary: NIR, APR and other mortgage-related concepts

- APR (Annual Percentage Rate)

The total cost of the loan for the borrower, expressed as an annual percentage of the total amount of the loan granted, plus related costs, as appropriate, equivalent, on an annual basis, to the current value of all future and existing commitments, such as drawdowns, repayments and costs, agreed upon by the lender and the borrower.

- NIR (Nominal Interest Rate)

The amount paid to obtain an amount of money as a loan (or received to lend it) expressed as a percentage of said amount.

- Euribor

Interest rate applied by European banks when they lend money to each other. It is used as a benchmark figure for part of the interest rate for variable mortgages.

- Valuation of the property

An expert determines the real value of the home you are going to buy.

- Registry verification

The Property Registry checks the status of the property you are going to buy. This will confirm whether the property is free of charges such as mortgages and analyses the data on its situation, property and ownership.

Valuation of the property

An expert determines the real value of the home you are going to buy.

Registry verification

The Property Registry checks the status of the property you are going to buy. This will confirm whether the property is free of charges such as mortgages and analyses the data on its situation, property and ownership.

You can find a description in this guide with the 7 main steps involved from selecting the type of mortgage to the day it is signed.

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Offer valid only for natural persons (not for business use) resident in Spain, with the exception of the Autonomous Community of Andalusia, who have income and assets only in euros.

For a property transaction to be formalised or executed in the Autonomous Community of Andalusia, consult your branch for the current special offer.

The interest rate conditions, the granting of the loan, its amount and the repayment period for each transaction requested will be subject to the bank’s risk analysis.

The mortgage can cover up to 80% of the purchase price or the valuation (the lesser of the two) for the first residence. The mortgage can cover up to 70% in the case of second homes.

**Calculation of the monthly fee:**

**
**

N = outstanding principal of the loan.

i = nominal interest expressed as so much per one.

p = amortization periods in one year.

t = number of years of the amortization period outstanding.

Formula for calculating the part corresponding to interest of the installment:

N = outstanding principal of the loan.

i = nominal interest expressed as so much per one.

p = amortization periods in one year.

**In the representative examples to calculate the instalment in the discounted mixed mortgage with 3-year fixed tranche, we would replace "N" with 150,000 (initial mortgage principal), i with 0.021 (nominal annual interest rate divided by 100), p times 12 (number of instalments to be paid per year) and t times 30 (number of years), to give an instalment of €561.96 to be paid each month.
In the example above, the interest payment part of the instalment is calculated by replacing "N" with 150,000 (initial mortgage principal), i with 0.021 (nominal annual interest rate divided by 100) and p with 12 (number of repayment periods in one year), to give an amount of €262.50 euros, which is the interest of the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal. **

In the example above, the interest payment part of the instalment is calculated by replacing "N" with 150,000 (initial mortgage principal), i with 0.03 (nominal annual interest rate divided by 100) and p with 12 (number of repayment periods in one year), to give an amount of €375 euros, which is the interest of the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.

In the example above, the interest payment part of the instalment is calculated by replacing "N" with 150,000 (initial mortgage principal), i with 0.023 (nominal annual interest rate divided by 100) and p with 12 (number of repayment periods in one year), to give an amount of €287.50 euros, which is the interest of the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.

In the example above, the interest payment part of the instalment is calculated by replacing "N" with 150,000 (initial mortgage principal), i with 0.032 (nominal annual interest rate divided by 100) and p with 12 (number of repayment periods in one year), to give an amount of €400 euros, which is the interest of the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.

In the example above, the interest payment part of the instalment is calculated by replacing "N" with 150,000 (initial mortgage principal), i with 0.026 (nominal annual interest rate divided by 100) and p with 12 (number of repayment periods in one year), to give an amount of €325 euros, which is the interest of the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.

In the example above, the interest payment part of the instalment is calculated by replacing "N" with 150,000 (initial mortgage principal), i with 0.035 (nominal annual interest rate divided by 100) and p with 12 (number of repayment periods in one year), to give an amount of €437.50 euros, which is the interest of the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.

In the example above, the part corresponding to the payment of interest on the instalment is calculated by replacing "N" with 150,000 (initial mortgage capital), "i" with 0.026 (nominal annual interest rate divided by 100) and "p" with 12 (the number of repayment periods in one year), thus obtaining an amount of €325, which is the interest on the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.

In the representative examples, to calculate the non-discounted fixed mortgage instalment we would replace "N" with 150,000 (initial mortgage principal), "i" with 0.036 (nominal annual interest rate divided by 100), "p" with 12 (number of instalments to be paid per year) and "t" with 30 (number of years), thus obtaining an instalment of €681.97 to be paid each month.

In the example above, the part corresponding to the payment of interest on the instalment is calculated by replacing "N" with 150,000 (initial mortgage capital), "i" with 0.036 (nominal annual interest rate divided by 100) and "p" with 12 (the number of repayment periods in one year), thus obtaining an amount of €450 which is the interest on the first month’s instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.

In the representative examples, to calculate in the discounted variable mortgage, we would replace “N” with 150,000 (initial mortgage principal), “i” with 0.02 (nominal annual interest rate divided by 100), “p” with 12 (number of instalments to be paid per year) and “t” with 30 (number of years), thus obtaining an instalment of €554.43 to be paid each month.

In the example above, the interest part is calculated by replacing “N” with 150,000 (initial mortgage principal), “i” with 0.02 (nominal annual interest rate divided by 100) and “p” with 12 (number of repayment periods in one year), thus obtaining an instalment of €250 in respect of the interest for the first month's instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.

In the representative examples, to calculate in the discounted variable mortgage, we would replace “N” with 150,000 (initial mortgage principal), “i” with 0.03 (nominal annual interest rate divided by 100), “p” with 12 (number of instalments to be paid per year) and “t” with 30 (number of years), thus obtaining an instalment of €632.41 to be paid each month.

In the example above, the interest part is calculated by replacing “N” with 150,000 (initial mortgage principal), “i” with 0.03 (nominal annual interest rate divided by 100) and “p” with 12 (number of repayment periods in one year), thus obtaining an instalment of €375 in respect of the interest for the first month's instalment. The remaining amount of the instalment after deduction of interest is what is assigned to the repayment of the principal.

Repayment system and calculation formula of principal and interest repayment:

**The instalments to be paid are calculated using the French repayment system, which features a system of consistent instalments. In other words, the same amount is paid every month, provided that the interest rate applicable to the transaction does not vary during the settlement period or that no early repayments are made.****The mortgage instalment is made up of interest and the repayment of the total amount of the loan. Since the amount to be paid is constant, the lower the outstanding principal of the mortgage is, the lower the interest generated on this capital will be. Consequently, more interest and less principal are paid over the first years of the mortgage and more principal and less interest are paid during the final period of the loan.**

The current reference rate is the Euribor at 1 year of the month of august of 2024 published by the Bank of Spain on september 4, 2024: 3.166%.

The variable APR of the following examples has been calculated on the assumption that the reference rates remain unchanged, therefore, this variable APR will vary with the reviews of the interest rate, the repayment term and the amount financed and it will be reviewed every six months from the fourth year.

In the event that the fixed interest rate applicable during the first 3 years is higher than that resulting from the sum of the agreed differential and the current reference rate on the contracting date, this fixed interest rate will be used to calculate the APR for the entire life of the operation.

In the event that the fixed interest rate applicable during the first 3 years is less than the result of the sum of the agreed differential and the reference rate in force on the date of contracting, the variable APR will be calculated on the basis of the fixed rate for the first period and the variable rate for the second interest period.

**2.10% NIR fixed tranche the first 3 years, Euribor+0.70% NIR variable tranche the rest of the years.**__4.19% variable APR.__**Term: 30 years (for other repayment periods, consult your branch).****Instalments: 36 instalments of €561.96 /month. 323 instalments of €691.23 /month and a final instalment of €690.47.****Total amount of the mortgage loan: Mortgage amount: 150,000 euros.****Total cost of the mortgage: €113.998,44 (€94.188,32 in interest).****Total amount payable: €263.998,44****Maximum discounted: direct deposit of salary or pension taking out associated insurance: Constant Principal Life Protection Insurance and Home Protection Insurance with Banco Sabadell.**

**3.00% NIR fixed tranche the first 3 years, Euribor+1.60% NIR variable tranche the rest of the years.**__4.84% variable APR__.**Term: 30 years (for other repayment periods, consult your branch).****Instalments: 36 instalments of €632.41/month. 323 instalments of €770.64/month and a final instalment of €772.51.****Total amount of the mortgage loan: €150,000.****Total cost of the mortgage: €134,660.51 (€122,455.99 in interest).****Total amount payable: €284,660.51.**

**2.30% NIR fixed tranche the first 5 years, Euribor+0.90% NIR variable tranche the rest of the years.**__4.16% variable APR.__**Term: 30 years (for other repayment periods, consult your branch).****Instalments: 60 instalments of €577.20 /month. 299 instalments of €699.47/month and a final instalment of €699.44.****Total amount of the mortgage loan: Mortgage amount: 150,000 euros.****Total cost of the mortgage: €114,238.09 euros (94,472.97 in interest).****Total amount payable: €264,283.09****Maximum discounted: direct deposit of salary or pension taking out associated insurance: Constant Principal Life Protection Insurance and Home Protection Insurance with Banco Sabadell.**

**3.20% NIR fixed tranche the first 5 years, Euribor+1.80% NIR variable tranche the rest of the years.**__4.80% variable APR__.**Term: 30 years (for other repayment periods, consult your branch).****Instalments: 60 instalments of €648.70/month. 229 instalments of €779.77/month and a final instalment of €781.92.****Total amount of the mortgage loan: €150,000.****Total cost of the mortgage: €135,059.67 euros (122,855.15 in interest).****Total amount payable: €285,059.67.**

**2.60% NIR fixed tranche the first 7 years, Euribor+0.95% NIR variable tranche the rest of the years.**__4.12% variable APR.__**Term: 30 years (for other repayment periods, consult your branch).****Instalments: 84 instalments of €600.51 /month. 275 instalments of €699.35/month and a final instalment of €697.18.****Total amount of the mortgage loan: Mortgage amount: 150,000 euros.****Total cost of the mortgage: €113,271.39 euros (93,461.27 in interest).****Total amount payable: €263,271.39****Maximum discounted: direct deposit of salary or pension taking out associated insurance: Constant Principal Life Protection Insurance and Home Protection Insurance with Banco Sabadell.**

**3.50% NIR fixed tranche the first 7 years, Euribor+1.85% NIR variable tranche the rest of the years.**__4.77% variable APR__.**Term: 30 years (for other repayment periods, consult your branch).****Instalments: 84 instalments of €673.57/month. 275 instalments of €779.84/month and a final instalment of €779.85.****Total amount of the mortgage loan: €150,000.****Total cost of the mortgage: €134,020.25 euros (€121,815.73 in interest).****Total amount payable: €284,020.25.**

**Representative examples:
FIXED-RATE MORTGAGE
The APR of the following representative examples may vary depending on the repayment term and the amount financed.
8) DISCOUNTED FIXED-RATE MORTGAGE**

**2.60%****NIR (****3.76****% APR****).****Term: 30 years (for other repayment periods, consult your branch).****Instalments: 359 instalments of €****600.51****/month and a final instalment of €****600.14****.****Total amount of the mortgage loan: €150,000.****Total cost of the mortgage: €****98,463.15****(€****66,183.23****is interest).****Total amount payable: €****248,463.15****.****Maximum discounted: direct deposit of salary or pension taking out associated insurance: Constant Capital Life Protection Insurance, Home Protection Insurance and Total Payment Protection Insurance with Banco Sabadell.**

**9) NON-DISCOUNTED FIXED MORTGAGE**

**3.60****% NIR (****4.08****% APR****)****Term: 30 years (for other repayment periods, consult your branch). Instalments: 359 instalments of €****681.97/****month and a final instalment of €****680.62****.****Total amount of the mortgage loan: €150,000.****Total cost of the mortgage: €****107,712.37****. (€****95,507.85****is interest).****Total amount payable: €****257,712.37****.**

**VARIABLE MORTGAGE
The current reference rate is the 1-year Euribor for the month of august 2024 published by the Bank of Spain on september 4, 2024: 3.166%.
The variable APR of the following examples has been calculated on the assumption that the reference rates remain unchanged, therefore, this variable APR will vary with the reviews of the interest rate, the repayment term and the amount financed and it will be reviewed every six months from the fourth year.
In the event that the fixed interest rate applicable during the first year is greater than that resulting from the sum of the agreed differential and the reference rate in force on the contract date, said fixed interest rate will be used to calculate the variable APR for the entire life of the mortgage.
10) DISCOUNTED VARIABLE MORTGAGE**

**2.00%****NIR the first year, Euribor +0.40% NIR the rest of the years.****4.60****% variable APR.****Term: 30 years (for other repayment periods, consult your branch).****Instalments: 12 instalments of €****554.43****/month. 347 instalments of €****675.23****/month and a final instalment of €****673.55****.****Total amount of the mortgage loan: Mortgage amount: €150,000.****Total cost of the mortgage: €****125,127.94****(€****91,631.52****in interest).****Total amount payable: €****275,127.94****.****Maximum discounted: direct deposit of salary or pension taking out associated insurance: Constant Capital Life Protection Insurance, Home Protection Insurance and Total Payment Protection Insurance with Banco Sabadell.**

**11) NON-DISCOUNTED VARIABLE MORTGAGE**

**3.00****% NIR the first year, Euribor +****1.40****% NIR the rest of the years.****4.93% variable APR.****Term: 30 years (for other repayment periods, consult your branch).****Instalments: 12 instalments of €****632.41****/month. 347 instalments of €****762.08****/month and a final instalment of €****763.44****.****Total amount of the mortgage loan: €150,000.****Total cost of the mortgage: €****134,998.64****(€****122,794.12****in interest).****Total amount payable: €****284,998.64****.**

**2) 4) y 6) What does the calculation of the variable APR?**

**Arrangement fee: €0 (0%).****Total amount of the mortgage interest: €**- 94,188.32 euros for the mortgage with a 3-year fixed tranche
- 94,472.97 euros for the mortgage with a 5-year fixed tranche
- 93,461.27 euros for the mortgage with a 7-year fixed tranche

**Contracting the Sabadell Account: €60 per quarter.****Home Protection Insurance: the cost of taking out this insurance policy, which includes damage cover through Banco Sabadell, is €12.75 per month. The cost of this insurance will vary depending on when it is taken out and, among other factors, on the characteristics of the property to be mortgaged, the insured amount and the guarantees contracted. The amount shown is merely indicative, taking as an example a mortgage loan with a principal of €150,000 and for a building valued at €100,000.00 whose type of home is on an intermediate floor with a built area of 100 m**^{2}.**Cost of registry check: €25.41.****Cost of valuation: €302.71.**

2) 4) y 6) In the fixed tranche, a review will be carried out to validate the contracting of products that generate interest rate discounts, on 30 June and 31 December.

3) 5) 7) y 11) Regarding the variable tranche, a six-monthly review of the Euribor to be applied will be carried out.

**8) y 10) What does the calculation of the variable APR and APR include?**

**Arrangement fee: €0 (0%).****Total amount of mortgage interest: €91,631.52 for the discounted variable mortgage and €66,183.23 for the discounted fixed-rate mortgage.****Contracting the Sabadell Account: €60 per quarter.****Home Protection Insurance: the cost of taking out this insurance policy, which includes damage cover through Banco Sabadell, is €12.75 per month. The cost of this insurance will vary depending on when it is taken out and, among other factors, on the characteristics of the property to be mortgaged, the insured amount and the guarantees contracted. The amount shown is merely indicative, taking as an example a mortgage loan with a principal of €150,000 and for a building valued at €100,000.00 whose type of home is on an intermediate floor with a built area of 100 m**^{2}.**Total Payment Protection Insurance with an annual premium to be maintained throughout the life of the mortgage: €456.21 per year for the discounted variable mortgage and €415.66 per year for the discounted fixed mortgage. With 100% coverage of your mortgage instalment if you find yourself unemployed or on work leave (example for a salaried employee with a permanent contract).****Constant capital life insurance with a quarterly premium to be maintained throughout the life of the mortgage: €63.38 per quarter (example for a 30-year-old man).****Costs of registry checks: €25.41.****Valuation costs: €302.71.**

**
3) 5) 7) 9) y 11) What does the calculation of the variable APR and APR include?**

**Arrangement fee: €0 (0%).****Total amount of mortgage interest: 122,455.99 euros for the unsubsidized mixed mortgage with a 3-year fixed section, 122,855.15 euros for the unsubsidized mixed mortgage with a 5-year fixed section, 121,815.73 euros for the mortgage non-subsidized mixed with a 7-year fixed section, 95,507.85 euros for the non-subsidized fixed mortgage and 122,794.12 euros for the non-subsidized variable mortgage****Setting up a Relación Account: €60/Quarter.****Compulsory damage insurance throughout the life of the mortgage (it is not necessary to contract it with Banco Sabadell): Banco Sabadell does not sell insurance that only includes damage coverage, therefore the calculation of the APR and variable APR has been made taking into account the premium resulting from simulating Banco Sabadell’s Home Protection insurance (which includes damage coverage) whose cost has been estimated at €12.99 per month. The cost of this insurance will vary depending on when it is taken out and, among other factors, on the characteristics of the property to be mortgaged, the insured amount and the guarantees contracted. The amount shown is merely indicative, taking as an example a mortgage loan with a principal of €150,000 and for a building valued at €100,000.00 whose type of home is on an intermediate floor with a built area of 100 m**^{2}.**Cost of registry check: €25.41.****Valuation cost: €302.71**

**Differences between combined and separate product offer:**

Representative examples of loans secured by mortgages on residential property used to finance purchases of residential property by natural persons acting as consumers. Transaction subject to prior approval by Banco Sabadell. No advisory service is provided. Interest rate terms and conditions subject to risk analysis by Banco Sabadell. These terms and conditions may vary depending on the result of the risk analysis. In accordance with Article 1911 of the Civil Code, which enshrines the principle of universal liability, in the event of non-payment, the debtor and, as appropriate, the debtor's joint guarantors and guaranteeing parties and mortgage guarantors will be held liable for all the debtor's present and future assets and the debtor may even lose their home(s) and/or any other assets they own.

Additional information on the insurance associated with your mortgage:

- Home Protection and Total Payment Protection are insurances of BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, with Tax ID no. A64194590 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Mercantile Register of Madrid and the Register of Insurance Companies of the DGSyFP under code no. C-0767.
- Constant Capital Life Protection are insurance policies of BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the Mercantile Register of Madrid and the Register of Insurance Companies of the DGSyFP under code no. C-0557.

Insurances brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., tax ID A-03424223, registered offices at Avda. Óscar Esplá, 37, 03007 Alicante, registered in the Mercantile Register of Alicante, and in the Administrative Register of the Directorate-General for Insurance and Pension Funds of the DGSyFP under code no. OV-0004, and carries Civil Liability Insurance pursuant to the provisions of the regulation on the distribution of private insurance and reinsurance in effect at all times. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion. View the information on the Insurance Mediator here.