The year started with an Euribor of over 3%. 3.018%. Thus, it consolidated the largest annual increase in its history: 3.5% in 2022.
But… How will this new year go? “The feelings of 2023 conveyed to us by the beings, Euribor will continue to riseBut it’s very slow and the usual thing will be to see mortgage rates around 3% as well,” says Simone Colombelli, iAhorro’s director of mortgages.
This means only one thing: variable housing loans continue to be at the center of the industry. Therefore, those who are looking for this type of mortgage are lucky: they can find it. variable rate loans are very attractive in the market. You just need to see what banks are offering right now.
unicaja, for example, has a variable mortgage with a TIN of Euribor+0.50% (0.99% for the first year) and APR of 3.89%. In contrast, you will need to have income of more than 2,500 euros per month, direct deposits of payroll and main income, home purchase, life or temporary disability insurance; get car or health insurance and contribute to a retirement plan or mutual fund.
You can enjoy the same attention but with fewer connections thanks to EVO. A loan can be signed with an Euribor TIN of +0.50% (0.99% during the first year) and an APR of 3.58% by taking out more than 600 euros of payroll, unemployment benefits or pensions and home insurance.
on his behalf Ibercaja Euribor has a floating mortgage with +0.69% (0.99% in first year) and 4.22% APR. Links in this case are direct debit of payroll and regular bills, use the business’s credit card, buy two insurance policies (life and home) and make regular contributions to one of Ibercaja’s mutual funds.
Another of the organizations that should be mentioned in the variable mortgage field is Mediolanum Bank. Your Freedom Mortgage has an Euribor TIN of +0.79% (0.99% during the first year) and an APR of 3.60%. Conditions to be met in this case are to open a bank account in the business, to have direct permanent income and life insurance equal to or more than 3,000 Euros.
BBVA Euribor offers an APR of +0.60% (1.49% during the first year) and 4.39%. All this with a maximum amortization period of 30 years. In turn, the user will need to deposit the payroll directly and take out two insurances (home and loan amortization).
Do you have a higher interest than the ones mentioned? Delegate yourself!
One of the measures approved by the Government to help people with mortgages is abolition of the succession commission. In this way, a person who wants to transfer the bank mortgage will only have to pay the appraisal fee.
This could allow homeowners with an adjustable mortgage with a spread of over 0.99.Get a mortgage with a TIN of % Euribor +0.50% or similar. It would be very helpful to meet the monthly fee with an Euribor of over 3%.
For users interested in performing this operation, the most important thing is to compare the products available on the market. you need to remember this The best mortgage will always be the one that suits the needs. the user