BS Necesidad1

Fixed Discounted Mortgage

Operation subject to prior approval by the Banco Sabadell. Interest rate conditions subject to risk analysis by the Banco Sabadell. These conditions may vary depending on the result of the risk analysis

360 payments of 571.45€ a month each for a requested mortgage of 150,000 euros coming to a total amount due of 215,274.44 euros. If you do not direct-debit your pay cheque at the Banco Sabadell and do not contract the insurance policies associated with the mortgage with us (life, Household Protection or Basic Household Protection insurance and payment protection insurance), there will be 360 payments of 624.34€ a month each, with a total amount due of 235,814.84 euros..

Annual Percentage Rate (Variable APR) calculated for a mortgage of 156,717.91 euros (150,000 euros for financing the home plus 6,717.91 euros for financing the home plus 6,717.91 euros for financing the associated life and payment protection insurance). These conditions are for direct-debiting a pay cheque and contracting associated life insurance, payment protection insurance and Household Protection or Basic Household Protection insurance, expiring in 30 years and with arrangement fee of 0.00%, calculated based on the principal sum of the operation (150,000 euros). Includes associated life insurance and payment protection insurance with a single premium financed with 100% cover of the capital, for a woman aged 30 (cost of life insurance: 4,671.67 euros, 15-year cover and 5-year payment protection of 2,046.24 euros), the costs of registry verification (25.41 euros) and expert appraisal (275.03 euros). Also includes the amount of damage insurance premium of 25.70 euros a month for the whole lifetime of the mortgage. All these expenses are approximate.

If you do not direct-debit your pay cheque at the Banco Sabadell and do not contract the insurance policies associated with the mortgage with us (life, Household Protection or Basic Household Protection insurance and payment protection insurance), the interest rate will be one point higher, 2.90% for the 360 payments, the resulting APR being 3.36%. This APR is calculated for a mortgage of 150,000 euros and with an arrangement fee of 1.00%, minimum 750 euros (1,500 euros). It also includes the costs of registry verification (25.41 euros) and expert appraisal (275.03 euros). The APR calculation also includes the amount of a damage insurance premium (not contracted with Banco Sabadell) of 25.70 euros a month for the whole lifetime of the mortgage. All these expenses are approximate. The APR may vary depending on the repayment period and the amount financed.

Offer not valid for housing operations to be formalised or contracted in Andalusia Autonomous Región, consult special offer existing.

The financing does not include the amount due for VAT nor the expenses of the purchase.

In accordance with Article 1911 of the Civil Code, which safeguards the principle of universal liability, in the event of any payment default the debtor and, if applicable his/her joint and several guarantors or sureties and mortgage guarantors will be liable with all their present and future assets, possibly losing their home/s and any other goods owned by them.

Further information on insurance associated with your mortgage:
Insurance products mediated by BanSabadell Mediación, Associated Bank-Insurance Operator of the Grupo Banco Sabadell, S.A., with tax number A-03424223 and registered office in Avenida Óscar Esplá, 37, 03007 Alicante, registered in Alicante Companies Register and in the Special Administrative Register of Insurance Mediators of the DGSyFP, with code no. OV-0004. This organisation has civil liability insurance as laid down by regulations on distribution of private insurance and reinsurance in force at any time.

You may consult the insurance firms with which BanSabadell Mediación has signed insurance brokerage contracts at web site www.bancosabadell.com/bsmediacion.

Discounted Mortgage

Conditions in force until 31/05/2019.

Operation subject to prior approval by Banco Sabadell. Interest rate conditions (first year and remaining years) subject to risk analysis by Banco Sabadell. These conditions may vary depending on the result of the risk analysis.

Annual Percentage Rate (Variable APR) calculated for a mortgage of 156,717.91 euros (150,000 euros for financing the home plus 6,717.91 euros for financing the associated life and payment protection insurance). 12 payments of 571.45 euros a month and 348 payments of 491.52 euros a month so the total amount of the loan will thus be 187,458.80 euros.

Conditions with the maximum discount (direct-debiting pay cheque, associated life insurance, Household Protection or Basic Household Protection insurance and Payment Protection insurance) expiring in 30 years and with an arrangement fee of 0.00%, calculated on the principal sum of the operation (150,000 euros).
Includes associated life insurance and payment protection insurance with a single premium financed with cover of 100% of the capital, for a man aged 30 (cost of life insurance: 4,671.67 euros, 15- year cover and 5-year payment protection of 2,046.24 euros), and the costs or registry verification (25.41 euros) and expert appraisal (275.03 euros).

Also includes the amount of the premium of a Household Protection or Basic Household Protection insurance of 25.70 euros a month for the whole lifetime of the mortgage. All these expenses are approximate. Annual review. 1-year EURIBOR for March 2019 published by the Bank of Spain as of 2 April 2019: -0.109%. This variable APR has been calculated based on the hypothesis of the reference indices not changing: this variable APR will thus vary with any reviews of the interest rate.

If you do not direct-debit your pay cheque at the Banco Sabadell and do not contract the insurance policies associated with the mortgage with us (life, Household Protection or Basic Household Protection insurance and payment protection insurance), the arrangement fee will be 1.00% (minimum 750 euros), the interest rate for the first year will be 2.90% and for the remaining years this will be EURIBOR + 1.90 points. Its resulting variable APR will be 2.33%, working out in 12 payments of 624.34 euros a month and 348 payments of 541.20 euros a month, so the total amount of the loan will be 206,882.12 euros. This variable APR is calculated based on the EURIBOR for the month of March 2019 published by the Bank of Spain as of 2 April 2019: -0,109%, for a mortgage of 150,000 euros and with an arrangement fee of 1.00%, minimum 750 euros (1,500 euros). This variable APR will thus change with any reviews of the interest rate, of the repayment period and of the amount financed. It also includes the costs of registry verification (25.41 euros) and expert appraisal (275.03 euros). The calculation of the variable APR also includes the sum for damage insurance premium (not contracted with Banco Sabadell) of 25.70 euros a month for the whole lifetime of the mortgage.

Offer not valid for housing operations to be formalised or contracted in Andalusia Autonomous Región, consult special offer available.

The financing does not include the amount due for VAT nor the expenses of the purchase.

In accordance with Article 1911 of the Civil Code, which safeguards the principle of universal liability, in the event of any payment default the debtor and, if applicable, his/her joint and several guarantors or sureties and mortgage guarantors, will be liable with all their present and future assets, possibly losing their home/s and any other goods owned by them.

Further information on insurance associated with your mortgage:

Household Protection, Payment Protection and Total Payment Protection (Protección Hogar, Protección de Pagos and Protección Total Pagos) are insurance policies of BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, holder of tax number A64194590 and registered office in calle Isabel Colbrand, 22, 28050 Madrid, registered in Madrid Companies Registry and in the Registry of Insurance Entities of the DGSyFP [Directorate-General for Insurance and Pension Funds], with code no. C-0767.

Total Life Protection (Protección Total Vida) is an insurance policy of BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, holder of tax number A08371908 and registered office in calle Isabel Colbrand, 22, 28050 Madrid, registered in Madrid Companies Registry and in the Registry of Insurance Entities of the DGSyFP with code no C-0557.

Insurance products mediated by BanSabadell Mediación, Associated Bank-Insurance Operator of the Grupo Banco Sabadell, S.A., with tax number A-03424223 and registered office in Avenida Óscar Esplá, 37, 03007 Alicante, registered in Alicante Companies Register and in the Special Administrative Register of Insurance. Mediators of the DGSyFP, with code no. OV-0004. This organisation has civil liability insurance as laid down by regulations on distribution of private insurance and reinsurance in force at any time.

You may consult the insurance firms with which BanSabadell Mediación has signed insurance brokerage contracts at web site www.bancosabadell.com/bsmediacion.