Euribor rose again to 0.992%, 300% more than the index pointed to in the same month of 2021 (-0.491%). why does this happen Banks keep the trend This is what has been observed in recent months: invest everything in floating mortgages.
Therefore, a user looking for this type of mortgage will find it. banks that offer extremely attractive conditions. But… Will this last forever? “Most likely, variable mortgages will stay as they are, I see a scenario where the variable gets worse because it won’t make any commercial or financial sense,” says Simone Colombelli, iAhorro’s head of mortgage.
In fact, it is enough to take a look at the mortgage industry to understand this right now. There are many interesting products for Clients seeking variable mortgages.
there is one of them money bank. Your variable mortgage has a TIN of Euribor + 0.78% (0.98% during the first year) and an APR of 1.96%. In return, it will be sufficient to just take out damage insurance and open an account with the enterprise. Likewise, no TIN payment will be required for the first three months after signing the mortgage. This precaution can help a user recover after the expense of buying a home.
Also noteworthy variable mortgage EVO. By directly debiting a salary, unemployment benefit or pension of more than 600 euros and taking out home insurance, the user will have access to a loan with TIN and APR of Euribor + 0.75% (0.95% during the first year). 1.81%.
open bank not too far behind. By signing a home insurance contract and depositing the payroll directly with the business, a user will be able to sign a loan with an APR of Euribor +0.70% (1.70% during the first year) and 2.45%. It is a low interest and low bond mortgage.
If what the user is looking for is what was underlined in the previous paragraph, namely a few linked mortgages, another product to consider is this: Freedom Mortgage of Banco Mediolanum. Euribor has a TIN of +0.99 (1.50% in the first year) as long as the payroll or recurring income is credited directly to the account and life insurance is taken out.
Less attention, but more connections
On the other hand, if what a client wants is the lowest possible interest, they can find the mortgage they need right here. banker. Euribor offers +0.75% (1.25% first year) TIN and 2.19% APR. The contractual connections in this case are two insurances (life and housing) and a pension plan, as well as opening a bank account with the business.
Another asset you can go to Kutxabank, because your variable mortgage has a TIN of Euribor + 0.64% (0.79% during the first year) and an APR of 2%. However, in order to benefit from these rates, the following conditions must be met: direct deposit of beneficiaries’ payroll (3,000 or more per month), Kutxabank pension plans annually or more than 2,000 Euros, and home insurance.
These are two banks that offer a lower TIN but in return ask the customer to contract a large number of products. So… Is this a good idea? The important thing is to compareTherefore, what the client has to decide is whether it is profitable for him to acquire a mortgage with so many connections. In fact, it may be cheaper to pay a slightly higher interest in the long run.