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HighlightedPremium
You will always pay the same instalment which you will know in advance.Fixed interest rate. No fluctuations!1.70% NIR in 10 years (APR from 3.11%1)- Open an Expansion Plus Account with a salary of at least €3,000(3)
Premium Mortgage
A mortgage with exclusive conditions for our customers with an Expansion Plus Account.
- Deposit your salary (at least €3,000) and have debited at least 2 household bills.
- Euribor +1.10 (Variable APR 1.72% ),
1,60% NIR the first year
Fixed Discount Mortgage
The more extensive your relationship with the bank the more advantageous the conditions you will enjoy.
- From 3.45% NIR (4.69% APR).
- Repayment in up to 30 years.
Buying a home in Andalusia?
FIPRE / Pre-contractual information Andalusia
Related information
Conditions valid until 15/08/2018.
Offer not valid for a house purchase to be formalised or executed in the Autonomous Community of Andalusia. See special offer.
The offer is subject to risk analysis by Banco Sabadell. Ask at your Banco Sabadell branch about other interest rates for other terms over 10 years.
(1) Annual Percentage Rate (APR): 3.11% calculated for a mortgage of 100,000 euros over 10 years. 1.50% arrangement fee (minimum 750 euros), calculated based on the principal amount of the transaction (100,000 euros). It also includes the costs of land register verification (25.41 euros), agency fees (209,73 euros), valuation (229,90 euros) and taxes (2.370 euros) for a dwelling in Barcelona (it varies according to each autonomous community).
It also includes the cost of the damage insurance premium throughout the life of the mortgage of 20.09 euros a month. All these expenses are approximate. The variable APR may vary in accordance with the repayment period and sum financed.
(2) 120 instalments of €906.76 month for a mortgage of 100,000 euros.
(3) For this all you need to do is to open an Expansion Plus Account you will have to deposit a new salary or pension, or make regular monthly deposits of at least EUR 3,000 (income from accounts open with the Banco Sabadell Group in the name of the same holder are excluded) and to have debited 2 household receipts in the last 2 months.
Pursuant to article 1911 of the Civil Code which establishes the principle of universal liability, in the event of a default, the joint and several sureties or mortgage guarantors shall be liable with all their present and future property and may lose their dwelling(s) and/or any other possessions.
Fixed Discount Mortgage
Conditions valid until 15/08/2018.
Offer not valid for a house purchase to be formalised or executed in the Autonomous Community of Andalusia. See special offer.
Operation subject to prior approval by Banco Sabadell.
Interest rate conditions subject to risk analysis by Banco Sabadell. These conditions may vary in accordance with the result of the risk analysis.
4.69% Annual Percentage Rate (APR), calculated for a mortgage of 105,300.21 euros (100,000 euros to finance the dwelling plus 5,300.21 euros to finance the related life insurance and payment protection). Conditions with direct salary deposit and purchasing related life insurance, payment protection and home insurance expiring at 30 years with a 1.50% arrangement fee (minimum 750 euros), calculated based on the principal amount of the transaction (100,000 euros). It includes the related life insurance with a single premium financed with coverage of 100% of the principal for a man aged 30 (cost of life insurance: 3,925.19 euros, 15 years’ cover, and payment protection: 1,375.02 euros over 5 years), and the costs of land register verification (25.41 euros), agency fees (249.26 euros), valuation (252.89 euros) and taxes (2,269.23 euros) for a dwelling in Barcelona (it varies according to each autonomous community).
It also includes the cost of the damage insurance premium throughout the life of the mortgage of 20.09 euros a month. All these expenses are approximate.
If you do not directly deposit your salary in Banco Sabadell and do not purchase the mortgage-related insurance policies with us (life, home and payment protection), the interest rate will be one point higher (4.45% in this case) whose APR will be 5.29%. This APR is calculated for a mortgage of 100,000 euros and with an arrangement fee of 1,50% (minimum 750 euros). It also includes the costs of land register verification (25.41 euros), agency fees (249.26 euros), valuation (252.89 euros) and taxes (2,205.00 euros) for a dwelling in Barcelona (it varies according to each autonomous community). The APR calculation also includes the amount of the damage insurance premium (not purchased from Banco Sabadell) throughout the life of the mortgage of 20.09 euros a month. All these expenses are approximate.
The variable APR may vary in accordance with the repayment period and sum financed.
Annually revisable accumulative discounts on discount free fixed interest rates, up to a maximum of 1 point when contracting the following products, either with or through the Bank:
- 0.40 for direct deposit of your salary.
- 0.40 for taking out life insurance.
- 0.10 for taking out home insurance.
- 0.10 for taking out payment insurance.
Pursuant to article 1911 of the Civil Code which establishes the principle of universal liability, in the event of a default, the joint and several sureties or mortgage guarantors shall be liable with all their present and future property and may lose their dwelling(s) and/or any other possessions.
Additional information on your mortgage-related insurance:
Home Protection and Payment Protection are insurances from BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, brokered by BanSabadell Mediación, Associated bank-insurance operator of the Grupo Banco Sabadell S.A., with tax I.D. A03424223 and registered office in Avda. Óscar Esplá, 37, 03007 Alicante. Registered in the Companies Register of Alicante and in the DGS and FP, with code OV-0004. It has civil liability insurance and financial capacity according to the Law on private insurance and reinsurance brokerage. You may consult the insurance entities with which BanSabadell Mediación has entered into insurance brokerage contracts at website www.bancosabadell.com/bsmediacion.
BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, with tax I.D. A64194590 and registered office in Calle Isabel Colbrand, 22, 28050 Madrid, registered in Madrid Companies Register and in the Register of Insurance Entities of the DGS and FP, with code C-0767.
Total Life Protection is life insurance from BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros brokered by BanSabadell Mediación, Operador de Bancaseguros Vinculado del Grupo Banco Sabadell, S.A., holder of Tax ID. No. A03424223 and registered offices in avenida Diagonal, 407 bis, 08008 Barcelona, registered with the Companies Register of Barcelona and the Register of the DGSyFP under code no. OV-0004, and carries civil liability insurance and possesses the financial capacity as provided in article 21 of Law 26/2006 on the Brokerage of Private Insurance and Reinsurance. BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID. A08371908 and registered offices in Calle Sena, 12, P.I.A.E. Can Sant Joan, 08174 Sant Cugat del Vallés.
You can find the insurance companies with which BanSabadell Mediación has entered into an insurance agency contract at the website http://www.bancsabadell.com/bsmediacion
Premium Mortgage
Conditions valid until 15/08/2018.
Offer not valid for a house purchase to be formalised or executed in the Autonomous Community of Andalusia. See special offer.
Operation subject to prior approval by Banco Sabadell.
Offer terms and conditions subject to risk analysis by Banco Sabadell. These conditions may vary in accordance with the result of the risk analysis.
To open an Expansion Plus Account you will have to deposit a new salary or pension, or make regular monthly deposits of at least EUR 3,000 (income from accounts open with the Banco Sabadell Group in the name othe same holder are excluded) or to have debited 2 household receipts in the last 2 months.
Variable Annual Percentage Rate (variable APR): 1.72%. Calculated for a mortgage of 100,000 euros over 30 years. Costs of land register verification (25.41 euros), agency fees (249.26 euros), valuation (252.89 euros) and taxes (2,205.00 euros) for a dwelling in Barcelona (it varies according to each autonomous community). Arrangement fee: 1.50% (minimum 750 euros), calculated based on the principal amount of the transaction (100,000 euros).
It also includes the cost of the home insurance premium throughout the life of the mortgage of 20.09 euros a month (amount to be revised annually). All these expenses are approximate. Mortgage revised annually. 1-year EURIBOR in May 2018 published by the Bank of Spain on 2 June 2018: -0.188% The variable APR was calculated under the assumption that the reference indices do not vary; therefore, this variable APR will vary with the interest rate revisions. The variable APR may vary in accordance with the repayment period and sum financed.
Pursuant to article 1911 of the Civil Code which establishes the principle of universal liability, in the event of a default, the joint and several sureties or mortgage guarantors shall be liable with all their present and future property and may lose their dwelling(s) and/or any other possessions.
Changing your car, buying a better computer, organising a family treat or refurbishing your home will no longer mean an additional strain on your pocket.
Banco Sabadell has a loan for every need to help you finance your dreams and plans.
Benefit from discounts on interest rates just by entrusting us with the financial services you have signed up for with us.
We have a wide range of mortgages at your disposal.
The best rates with the best conditions, adapted to your needs.
Consult us.
