BS Necesidad1

Subsidised Fixed Mortgage (30 years)

Conditions valid until 20/04/2019.

Offer not valid for operations on dwellings that must be formalized or subscribed in the Autonomous Community of Andalusia. Consult the existing special offer.

Operation subject to prior approval of Banco Sabadell.

Interest rate conditions subject to risk analysis by Banco Sabadell. These conditions may vary depending on the outcome of the risk analysis.

360 payments of €619.23/month each for a mortgage of €150,000, with a total amount of €233,975.24. If you do not directly deposit your salary to Banco Sabadell and do not contract the insurance policy associated with the mortgage with us (life, home and protection of payments), the amounts will be 360 quotas of €673.57/month each, with a total amount of €253,537.64.

Annual Equivalent Rate (APR) calculated for a mortgage of €156,717.91 (€150,000 to finance the dwelling plus €6,717.91 to finance associated life insurance and the payment protection). Conditions for direct deposit of salary and contracting an associated life insurance, payment protection insurance and home insurance, maturing at 30 years, and a commission of 1% initial fee with a minimum of €750, calculated on the basis of the main amount of the operation (€150,000). Includes life insurance associated with a single premium funded with 100% coverage of the capital, for a 30-year-old woman (cost of life insurance policy: €4,671.67, 15-year coverage, and payment protection: €2,046.24 at 5 years), the register verification costs (€25.41) and the expert's report (€275.03). It also includes the amount of the life insurance premium for the entire life of the mortgage at €25.70 per month. All these expenses are approximate. The APR may vary according to the amortization period and the amount financed.

If you do not directly deposit your salary in Banco Sabadell and do not contract the insurance policy associated with the mortgage with us (life, home and protection of payments), the interest rate will be 1 percentage point higher at 3.50% for the 360 payments and the resulting APR will be 3.97%. This APR is calculated for a mortgage of €150,000 and with an initial fee of 1% with a minimum of €750. Moreover, it includes the register verification costs (€25.41) and the expert's report (€275.03). The APR calculation also includes the amount of the damage insurance premium (not contracted with Banc Sabadell) for the entire life of the mortgage of €25.70 per month. All these expenses are approximate. The APR may vary according to the amortization period and the amount financed.

In accordance with article 1911 of the Civil Code, which enshrines the principle of universal liability, in the event of default, the debtor and, if applicable, their guarantors or joint and several guarantors and mortgage guarantors, will respond with all of their assets and futures, so that they may lose their homes or any other property.

Additional information about the insurances associated with your mortgage:

Insurance policies mediated by BanSabadell Mediation, Banca-Seguros Operator Linked to the Banco Sabadell Group, SA, with Tax Identification Number A-03424223 and domiciled at Av. Óscar Esplá, 37, 03007 Alicante, registered in the Mercantile Registry of Alicante and in the Special Administrative Registry of Insurance Brokers of the DGSFP with key no. OV-0004. You have signed a civil liability insurance in accordance with the provisions of the current private insurance and reinsurance regulations in force. You can consult the insurance entities with which BanSabadell Mediación has signed an insurance agency contract on: http://www.bancsabadell.com/bsmediacion

Premium Fixed Mortgage

Conditions valid until 20/04/2019.

Offer not valid for operations on dwellings that must be formalised or subscribed in the Autonomous Community of Andalusia. Consult the existing special offer.

Operation subject to prior approval of Banco Sabadell.

Interest rate conditions subject to risk analysis by Banco Sabadell. These conditions may vary depending on the outcome of the risk analysis.

360 payments of €592.68/month each for a mortgage of €150,000, with a total amount charged of €224,417.24 .

Annual Equivalent Rate (APR) calculated for a mortgage of €150,000 at 30 years. Conditions when contracting the Expansion Plus Account (directly depositing the holders' salary of a total amount of €3,000 or more and directly debiting at least two bills for domestic consumption). Initial commission of 1% (minimum of €750), calculated on the main amount of the operation (€150,000). It also includes the amount for verification of the register and appraisal (€275.03) and the home insurance premium for the entire life of the mortgage at €25.70 per month. All these expenses are approximate. The APR may vary according to the amortization period and the amount financed.

To access this mortgage, you must be the holder of an Expansion Plus Account with a payroll, pension or regular monthly income of at least €3,000 per month (excluding income from accounts opened in the Banc Sabadell group in the name of the same holders) and have at least two direct debits of bills for domestic consumption (electricity, gas, fixed telephony and internet) in recent months.

In accordance with article 1911 of the Civil Code, which enshrines the principle of universal liability, in the event of default, the debtor and, if applicable, their guarantors or joint and several guarantors and mortgage guarantors, will respond with all their assets and futures, so that they may lose their homes or any other property.