BS Necesidad1
ent1
cu1
We share your enthusiasm

Fixed Mortgage
If you want to pay the same instalment each time.
2.60% NIR (3.25% APR1)
For an amount of 150,000 euros, up to 30 years without a discount.
In the event that you take out the mortgage with a discount; by supplying your payslip and the home, life and payment protection insurance policies you’ve taken out with Banco Sabadell, the conditions will start at 1.60% NIR (2,71% APR2).
Do you prefer an instalment that is pegged to the evolution of the market?
You might be interested in our variable mortgage.
Your mortgage step by step




Why you should trust Banco Sabadell for your mortgage:
A manager will be by your side from beginning to end to make everything easier.
With a 100% personalised price and service adapted to your needs.
Concepts related to the mortgage:
- Annual Percentage Rate (APR)
The total cost of the loan for the borrower, expressed as an annual percentage of the total amount of the loan granted, plus the costs incurred, if applicable, and corresponding, on an annual basis, to the current value of all future or existing commitments, such as provisions of funds, repayments and expenses, agreed by the lender and the borrower. - Nominal Interest Rate (NIR)
Sum that is paid for borrowing an amount of money (or received for lending it), expressed as a percentage of that amount. - Euríbor
Interest rate that European banks apply when they lend money among themselves. It is used as a reference as part of the interest rate of variable mortgages. - Property appraisal
An expert determines the real value of the home you are going to buy. - Register check
The Property Register checks the situation of the home you are going to buy. This checks whether the property is free of liens, such as mortgages, and verifies data on its situation, property and ownership. - FIPRE (Pre-contractual information file)
This is a document with information on how mortgage loans work. It is given to you before making a simulation of your future mortgage.
What should you know if you are going to ask for a mortgage?
Buying a home in Andalusia?
FIPRE / Pre-contractual information Andalusia
Related information
Conditions valid until 31/01/2021.
1. In the event of taking out the mortgage without any discount, the conditions will be as follows:
Subscription to the Cuenta Relación: 30 euros/quarter.
The arrangement fee will be 1.00% and a minimum of 750 euros.
2.60% NIR (3.25% APR)
Total cost of the mortgage: 82,630.95 euros.
Total amount of interest on the credit: 66,183.23 euros.
Total debt amount: 232,630.95 euros.
Instalments: 359 instalments of 600.51 euros/month and a final instalment of 600.14 euros.
Mortgage amount: 150,000 euros.
Period: at 30.
What does the APR calculation include?
Arrangement fee: 1,500 euros.
Mandatory monthly damage insurance throughout the life of the mortgage (it is not necessary to take it out with Banco Sabadell): 30.61 euros.
Costs of registry verification: 25.41 euros.
Appraisal costs: 302.71 euros.
The APR may vary, depending on the repayment period and the amount financed.
Repayment system and calculation formula for the repayment of the principal and the interest.
The French repayment system, which features a system of consistent instalments, is used for the calculation of the instalments to be paid. I.e., 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 have been made.
The mortgage instalment is made up of the 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 principal will be. Therefore, more interest and less principal is paid during the first years of the mortgage and more principal and less interest is paid during the final period of the loan.
Calculation of the monthly fee:
Where:
N = outstanding loan capital
i = nominal interest expressed on a per unit basis
p = repayment periods in one year
t = number of years of the outstanding repayment period
In our example, to calculate the first year’s instalment we will replace “N” with 150,000 (the initial mortgage capital), “i” with 0.026 (nominal annual interest rate for the first year 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 600,51 euros to be paid each month.
Calculation of the part corresponding to the interest of the instalment:
Where:
N = outstanding loan capital
i = nominal interest expressed on a per unit basis
p = repayment periods in one year
In the above example, the part corresponding to the payment of interest on the instalment is calculated by replacing “N” with 150,000 (the initial mortgage capital), “i” with 0.026 (the first year’s interest rate divided by 100) and “p” with 12 (the number of repayment periods in one year), thus obtaining an amount of 325 euros corresponding to the interest on the first month’s instalment.
The remaining amount of the instalment, after deducting the interest, is what is assigned to the repayment of the capital.
2. In the event of taking out a discounted mortgage, the conditions and calculation of the APR are as follows:
1.60% NIR(2.71% APR)
Mortgage amount: 150,000 euros.
Period: at 30.
Subscription to the Cuenta Relación: 30 euros/quarter.
Maximum discount: direct deposit of your salary or pension and taking out of the associated insurance policies: Constant Capital Life Protection, Home Protection and Payment Protection.
Total cost of the mortgage: 67,048.89 euros.
Total amount of interest on the credit: 38,967.00 euros.
Total debt amount: 217,048.89 euros.
Instalments: 359 instalments of 524.91 euros and a final instalment of 524.31 euros.
What does the APR calculation include?
Arrangement fee: 0 euros.
Associated constant capital life insurance with a quarterly premium throughout the life of the mortgage: 93.13 euros.
Single-premium payment protection insurance with 100% coverage of the capital for a period of 5 years: 1,958.57 (example for a 30-year-old man).
Home Protection Insurance throughout the life of the mortgage with a monthly premium: 30.61 euros.
Costs of registry verification: 25.41 euros.
Appraisal costs: 302.71 euros.
The APR may vary, depending on the repayment period and the amount financed.
There will be a half-yearly review of the procurement of the products to which the interest rate applicable in the event of taking out the mortgage with a discount is conditioned.
Additional information:
Offer valid only for natural persons (without a business destination) resident in Spain, with the exception of the Autonomous Community of Andalusia, who have income and equity only in euros.
The mortgage may cover up to 80% of the purchase price or the appraisal value (whichever is the lower) for the first home. The mortgage can cover up to 70% in the case of second homes.
Representative examples of loans secured by mortgages on residential property designed to finance purchases of housing by natural persons acting as consumers. Operation subject to the prior approval of Banco Sabadell. No advisory service is provided. Interest rate conditions subject to risk analysis by Banco Sabadell. These 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, his joint guarantors and guaranteeing parties and mortgage guarantors shall be held liable for all his present and future assets and may even lose his home(s) and/or any other assets that he owns.
This offer is not valid for a housing operation to be formalised or executed in the Autonomous Community of Andalusia (ask about the existing special offer at your branch).
Additional information on the insurance associated with your mortgage:
Home Protection. Payment Protection and Total Payment Protection are policies of BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, with Tax ID no. A64194590 and its registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Madrid Companies Registry and the DGSFP Insurance Companies Registry under code no. C-0767.
Total Life Protection and Constant Capital Life Protection are policies of BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Madrid Companies Registry and the DGSFP Insurance Companies Registry under code no. C-0557.
Insurance policies brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., with Tax ID no. A-03424223 and its registered office at Avda. Óscar Esplá, 37, 03007 Alicante, inscribed in the Companies Registry of Alicante, and in the Special Administrative Register of Insurance Brokers of the DGSFP under code no. OV-0004, having subscribed to civil liability insurance pursuant to the provisions of the regulation on the distribution of private insurance and reinsurance in effect. You can view the insurance companies with which BanSabadell Mediación has signed insurance agency contracts at www.bancosabadell.com/bsmediacion.

- Your identity document (DNI / NIF)
- Proof of other income, if any (rent, commission, account interest, overtime, etc.)
- Last 2 receipts of your regular payments, indicating the balances pending (mortgages, personal loans, card credit, maintenance obligations and alimony, rental payments, other debts, etc.)
- Your employment record: You can apply for it via the Social Security website or by calling 901502050.
- If you are a salaried worker, present your last income tax return and last 2 salary /pension slips.
- If you are self-employed, you will need the income tax return of the last 2 years and the quarterly Personal Income Tax (IRPF) and VAT (IVA) payments of the current year.
- If you are not a Banco Sabadell customer, we will need a bank statement for the last 6 months of your main account (salary, chief bills …).

Expansion Loan
To undertake a project, to purchase that thing you’ve been wanting so much... and for many other things!

To make a purchase or deal with unforeseeable events.
One-off Expansion Loan
- Up to 3,000 euros.
- Repay it over the period that suits you best.
To buy that new car you like so much.
Car Loan
- Up to 60,000 euros in 12 or 14 annual instalments.
- Repay it within a period of up to 96 months.
- Special benefits for cars with the ECO label.
To cover extra and unexpected costs... or for whatever you need.
Expansion Line
- Up to 5,000 euros. Immediate payment into your account.
- Activate it 100% online, without visiting your branch.

Taking out a loan enables you to achieve your goals without having to touch your savings to make your dreams come true.

With a personal loan, your plans don’t have to wait, as you receive the money all at once. You can also plan to return it in regular instalments.
More than 130 years’ history behind us!
(1) Valid for loans with a personal guarantee to natural persons (excluding business and professional purposes) processed at branches for amounts totalling up to 18,000 euros, under the conditions established in the Letter of Commitment to Immediate Payment of the Expansion Loan, which you can read at your branch or on our website. For amounts greater than 18,000 euros the response time for accepting or refusing to grant the loan takes into account the number of working days for the branch that processes the operation and starts at the moment when, once the application has been duly completed by the customer, the latter provides the documentation required by the bank to assess the risk and evaluate the transaction. In addition, in the case of non-customers, following effective registration as a customer. For the payment of the amount, in the event that the application is approved in accordance with Banco Sabadell’s risk criteria, the period will start on the day on which the loan agreement is formalised.
(2) View coverages of the accident policy of the BSCard, Broker: BanSabadell Mediación, Operador de Banca - Seguros Vinculado del Grupo Banco Sabadell, S.A., with Tax ID No. A03424223, with its registered office at Avenida Óscar Esplá, 37, 03007, Alicante. Registered in the Mercantile Register of Alicante and in the DGSFP Insurance Company Register under code OV-0004, having taken out civil liability insurance and providing financial capacity in accordance with the Private Insurance and Reinsurance Brokerage Act. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion.
We have a wide range of mortgages at your disposal.
The best rates with the best conditions, adapted to your needs.
Consult us.