Bankinter Mortgage - Promotional Fixed Rate

Bankinter makes available for your Mortgage Promotional Fixed Rate options with terms between 1 and 30 years.

If the world is constantly changing, choose a solution that gives you all the security. Bankinter Fixed Interest Rate.
The stability of paying the same instalment for a maximum period of 30 years.
Get to know our offer of Mortgages with Fixed Interest Rate and get a complete scenario through a simulation. 

The value of the Promotional Fixed Interest Rates only varies depending on the desired term.

You choose the term, we give you the rate:

• 2,75% for the first year;
• 2,85% for the first 2 years;
• 3,60% for the first 3 years;
• 3,60% for the first 4 years;
• 3,60% for the first 5 years;
• 3,70% for the first 10 years;
• 3,75% for the first 15 years;
• 3,75% for the first 20 years;
• 3,75% for the first 25 years;
• 3,75% for the first 30 years.
  

What conditions must be met to benefit from Fixed Rate mortgage?

• During the Promotional Fixed Rate period, in force during the initial years of the contract or during the full term, the fixed rate defined for the term is applied, without index and spread.
•  In the following period, until the end of the contract, the variable rate is applied, composed of the Euribor index at 3, 6 or 12 months plus spread. The spread is contractually predetermined. 
• The option for a Promotional Fixed Rate can be reconciled with full repayment of the remortgage costs, assuming a variable rate contract with the original Credit Institution. 

The Promotional Fixed Rate is available for:

• Values ​​of Promotional Fixed Rates for 1,2,3,4,5,10,15, 20, 25 and 30 years available for credit proposals submitted until november 30th 2026 and contracted until february 28th 2027.
• New Mortgage Loans, exclusively

* These values contain the compliance with cross selling products, namely Life Insurance, Home insurance and Salary Deposit. In the case of absence of subscription or maintenance of these products, the value of the promotional fixed rate will be adjusted accordingly.

Representative Example

Example for a 30-year-old consumer | Financing of €150.000 for purchase of second home secured by a mortgage on the property | Appraisal Value of €214.285,71 (or LTV of 70%) | 25-year term | Annual home insurance premium of €270,00.

1 Year Mixed Rate

APR (TAEG) without associated optional sales 5,1% - Fixed annual nominal interest rate of 3,100% for the first 12 months and variable annual nominal interest rate of 4,289% (Euribor 12 months of october 2026 of 3,239 % and base spread of 1,050%) for the remaining 288 months | Total initial costs of €3.009,15 | Average annual life insurance of €251,81 | 12 monthly instalments of €719,14 and 288 monthly instalments of € 812,48 | Total amount charged to the consumer of €260.777,06.

APR (TAEG) with associated optional sales 4,7% - Fixed annual nominal interest rate of 2,750% for the first 12 months and variable annual nominal interest rate of 3,939% (Euribor 12 months of october 2026 of 3,239 % and contracted spread of 0,700%) for the remaining 288 months | Total initial costs of €3.009,15 | Average annual life insurance of €247,77 | 12 monthly instalments of €691,97 and 288 monthly instalments of €783,30 | Total amount charged to the consumer of €251.947,07.

Pricing conditions valid for credit proposals submitted until 30th november 2026.

The applied annual nominal interest rate can assume negative values depending on the evolution of the respective index. Subject to credit risk analysis.

This information does not exempt you from consulting the pre-contractual and contractual information legally required from the Bank. Find out more at any Bankinter branch.