Low spread? This is the moment. And this is the Bank.
When times pose great challenges, Bankinter finds great solutions to overcome them. That is why we have lowered the spreads to buy the house you want.
For greater convenience you can make your mortgage 100% Digital and have the support of our specialist Managers.
Find out why this is the right Bank.
Make your simulation now.
If you prefer, you can opt for Fixed Rate stability, for one of the various terms available: Consult here
These values assume compliance with the optional associated sales products, namely Life Insurance, Multi-risk Insurance and Salary Credit. In the absence of subscription or maintenance of these products, the value of the promotional fixed rate will be adjusted accordingly.
The Fixed Rate is available for:
- Credit proposals contracted until 31 March 2023, in the terms of the Promotion, of 2 and 5 years.
- Credit applications contracted until 28 February 2023, for terms of 10, 15, 20, 25 and 30 years.
- New Mortgage Loans contracts, exclusively.
Fixed Rate
- 3.25% **- during the first 2 years, for funding/guarantee ratio <=70% and >70%, respectively.
- 3.25%**- during the first 5 years, for funding/guarantee ratio <=70% and >70%, respectively.
- 3.30%**- for the first 10 years.
- 3.35%**- for the first 15 years.
- 3.40%**- for the first 20 years.
- 3.45%**- for the first 25 years.
- 3.50%**- for the first 30 years
These values assume compliance with the optional associated sales products, namely Life Insurance, Multi-risk Insurance and Salary Credit. In the absence of subscription or maintenance of these products, the value of the promotional fixed rate will be adjusted accordingly.
The Fixed Rate is available for:
- Credit proposals contracted until 31 March 2023, in the terms of the Promotion, of 2 and 5 years.
- Credit applications contracted until 28 February 2023, for terms of 10, 15, 20, 25 and 30 years.
- New Mortgage Loans contracts, exclusively.
Transfer your mortgage to Bankinter without costs***. Are you looking for a lower payment?
Mortgage transfer? This is the moment. And this is the Bank.
Change your Mortgage to Bankinter and know why this is the right Bank to transfer your mortgage to.
Transfer your mortgage in a 100% digital way through the Bankinter Mortgage Portal.
Make your simulation now.
A configuração é necessária
A configuração é necessária
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Full support of transfer costs
Transfer costs support***
Benefit from full support of the transfer costs*** of your mortgage, with only one condition, of a variable rate mortgage with the Bank of origin. Once you have met this condition and formalised your loan** with us, the total amount of the costs will be refunded to your current account. Simple and Fast
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More advantages
Advantages for you
Additionally, you can also benefit from more advantageous conditions in the complementary credit:
- Spread equal to Mortgage;
- Exemption from Initial Fees.
Variable Rate
* TAEG of 3.5% and 3.1%, financing of EUR 150,000, variable TAN (Euribor 3 months, October 2022, 1.428% plus Spread), Customer with 30 years, term of 30 years (360 instalments), guaranteed by mortgage on the property, with LTV of 70%. Includes total initial costs of EUR 2,283.40, quarterly account maintenance fee of EUR 20.80, annual multi-risk insurance premium of EUR 255.00. TAEG of 3.5% with a base spread of 1.20% and TAN of 2.628%, an average annual life insurance premium of 296.78 euros, an instalment of 602.71 euros and a MTIC of 238,335.14 euros. TAEG of 3.1% with the effect of associated sales, contracted spread of 0.85% and TAN of 2.278%, average annual life insurance premium of EUR 290.30, instalment of EUR 575.51 and MTIC of EUR 228,349.33.
The interest rate applied (TAN) may assume negative values depending on the evolution of the respective indexing factor. Subject to credit risk analysis.
This information does not dispense with consulting the pre-contractual and contractual information legally required from the Bank.
Fixed Rate
** TAEG of 3.5% or 3.1%, financing of EUR 150,000, fixed TAN for the first 2 years and variable TAN (Euribor 3 months, October 2022, 1.428%, plus Spread) in the following periods, Customer with 30 years, term of 30 years (360 instalments), secured by mortgage on the property, with LTV of 70%. Includes total initial costs of £2,283.40, quarterly account maintenance fee of £20.80, annual multi-risk insurance premium of £255.00. TAEG of 3.5% with a base fixed TAN of 2.600% and variable TAN of 2.628% with a base spread of 1.20%, an average annual life insurance premium of EUR 296.72, a monthly payment of EUR 600.51 and a MTIC of EUR 238,237.90. TAEG of 3.1% with the effect of associated sales, a fixed contracted TAN of 2.250% and a variable TAN of 2.278% with a contracted spread of 0.85%, an average annual life insurance premium of EUR 290.24, a monthly payment of EUR 573.37 and an MTIC of EUR 228,253.60.
The interest rate applied (TAN) may assume negative values depending on the evolution of the respective indexing factor. Subject to credit risk analysis.
Promotion valid for credit proposals contracted until 31 March 2023.
This information does not dispense with the consultation of pre-contractual and contractual information legally required with the Bank.
Mortgage Transfers
***Full refund of mortgage transfer costs, assuming a variable rate contract with the original Credit Institution.
This information does not dispense with the need to consult the legally required pre-contractual and contractual information with the Bank. Bankinter, S.A. - Sucursal em Portugal is registered with the Bank of Portugal under no. 269.