The three fixed mortgages that the OCU recommends in its latest report
Hiring a mortgage is a key step for the independence of many citizens. And judging by the numbers, many of them prefer to know what they will pay for their home at the end of each month: figures from the National Institute of Statistics indicate that 60% of the mortgages that are contracted in Spain are fixed rate, according to reports the Organization of Consumers and Users (OCU).
From the consumer association they have compiled some of the best types of fixed mortgages to advise consumers when contracting this type of loan.
The best banks to take out mortgages according to the OCU
In the situation in which we find ourselves, with rising interest rates, it seems that the mortgage market has stabilized, with interest levels similar to those of last month, according to the OCU. It may be the ideal time for those who are considering hiring one of these loans.
According to the OCU, these are the best fixed-rate mortgage offers that can be found in the 100,000-euro modality with a term of 15 years.
- BBVA: the bank offers a fixed-rate mortgage with a nominal interest of 2.80%, without an opening commission. To access this offer, it is necessary to direct deposit the salary for a minimum amount of 600 euros and take out home insurance and amortization insurance with BBVA that covers at least half the amount of the mortgage.
- OpenBank: from this bank, a subsidiary of Santander, they offer a fixed mortgage without opening with an interest of 3.05%, but it requires direct deposit of the salary or pension, or making a monthly deposit from another entity for a minimum amount of 900 euros (1,800 if the holders are two or more). It is also necessary to contract home insurance with this entity.
- Coinc: from this bank they offer a fixed mortgage at 3.25%. To benefit from these conditions, they do not require direct debit of the salary, but they do require contracting with Bankinter at least one Non-salary Account to have that interest.
#Money What are the best fixed mortgages in August?
➡Te we indicate the best fixed-rate mortgage offers that you can find for a mortgage of 100,000 euros with a term of 15 years ⬇https://t.co/71Y9QSyQAJ https://t.co/8FTtPCQEQ3– OCU (@consumidores) August 2, 2023