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clientes@uci.com · 912 06 37 95
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cuentanos@uci.com · 912 06 37 90
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Call us
Client
clientes@uci.com 912 06 37 95
L-V de 10.00 a 18.00h
Not Client
cuentanos@uci.com 912 06 37 90
L-V de 10.00 a 18.00h
Apply for mortgage
Apply for mortgage
Hipotecas COMPRAYREFORMA y REFORMA
BUYING AND RENOVATION SIMULATOR

A mortgage simulator has to be easy for you, and for your wallet.

Everything has a first time, and this is the first time to calculate your mortgage. What starts as a simulation ends up becoming the home you want.

Calculating your mortgage is the first step

A mortgage should be with you, but not in your head. Enjoy your home, and enjoy tailored financing too. It's time to simulate your mortgage payment.

About housing

  • Select a city
    Tax expenses related to the purchase and sale vary depending on the autonomous community.
  • €
    Minimum €80,000 and maximum €3,000,000
  • €
    Minimum €5,000 and maximum €1,000,000
  • €
    Minimum €5,000 and maximum €3,000,000

About you

  • years
    Minimum 18 and maximum 74 years

Economic data

  • years
    Minimum 7 years and maximum 30
  • €
    Indicate the total amount you pay per month on other loans.
Mixed Mortgage
How many years do you prefer at a fixed interest rate?
  • From month 1 to 11
    During this period, you only pay the interest on the purchase plus 30% of the renovation cost.
    • --
    • €/month
  • In month 12
    70% of the loan for the renovation is added to the interest payment.
    • --
    • €/month
  • From month 13 until the {fixedTerm}
    It is the full monthly payment after completing the renovation. Keep in mind that the interest rate will be the higher of the initial rate and the applicable review rate.
    • --
    • €/month
    • TIN
      Fixed percentage that a bank charges for lending money, representing the direct cost without including fees or additional expenses.
    • --
    Until completion
    • --
    • Variable APR
      Rate in the form of a % that indicates the effective cost or return of a financial product and is used to compare offers.

    • --

  • We finance you -- €
  • See terms and conditions
  • Taxes and expenses View details
    • Savings contributed
    • --
    • Taxes and expenses
    • --
    • In total, you need
    • --
Request your personalized study
Variable Mortgage
One year at a fixed interest rate and the rest at a variable rate.
  • From month 1 to 11
    During this period you only pay the interest on the purchase plus 30% of the value of the renovation.
    • --
    • €/month
  • In month 12
    You only pay the grace period, that is, only interest on the capital related to the financing of the purchase plus 100% of the renovation.
    • --
    • €/month
    • TIN
      It is the percentage that is applied to the outstanding principal of a loan to calculate the interest that the borrower must pay to the bank or entity for the money borrowed.
    • --
    Until completion
    • --
    • Variable APR
      An indicator expressed as a percentage that shows the effective cost or return of a financial product. The APR is a rate used to compare different offers. It is calculated according to a standardized mathematical formula that takes into account the nominal interest rate of the transaction, the frequency of payments (monthly, quarterly, etc.), fees, and certain transaction costs.

    • --

  • We finance you -- €
  • See terms and conditions
  • Taxes and expenses View details
    • Savings contributed
    • --
    • Taxes and expenses
    • --
    • In total, you need
    • --
Request your personalized study
This simulator is an example based on the delivery of 2 disbursements.If there are more disbursements, the fee for the first 12 months may vary.
CUSTOMIZE YOUR MORTGAGE

Your custom mortgage

After calculating your mortgage payment, it's time to choose the product that best suits your situation. Because if anyone needs to adapt, it's us.

Learn about our mortgages

In the ICU, we have the answer.

    • The purchase price of the property.
    • The estimated renovation budget.
    • The maximum loan-to-value ratio for the renovation, which cannot exceed 30% of the property value.
    • The total mortgage term and the applicable interest rate.
    • The funds allocated for the renovation are disbursed in installments, the number of which varies depending on the loan.
    • During the period in which the installments are made, up to 12 months, there is a grace period for principal payments; that is, only interest is paid. Therefore, the calculator displays installments consisting solely of the interest on the principal already drawn.
    • Once the disbursement period ends or month 13 is reached, the calculator displays the full installment, which includes both interest and principal.
    • In simulations for mixed and variable-rate mortgages, the tool also reflects the change to a variable-rate period (Euribor + spread) when applicable.