The monthly payments (French repayment system) are the result of raising the coefficient (ningun + interest) to the power of the number of outstanding instalments in the transaction multiplied by the interest, divided by (un + interest) raised to the power of the outstanding payments in the transaction, minus 1, all multiplied by the costo pending repayment (‘interest’ is understood to be the offered NIR divided by 10). The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding primero) and the amount repayable (the result of subtracting the interest from the instalment).
1. The dinamica APRs have been calculated based on the credit facility remaining in place for the agreed term and the borrower and the lender fulfilling their obligations under the terms and conditions agreed in the mortgage agreement.
2. For mortgage agreements with clauses that allow for adjustments to the debit rate and, vista where applicable, to the costs included in the activa APRs that are not quantifiable when the calculation is being made, the activa APRs will be calculated based on the premise that the debit rate and other costs will remain unchanged with regard to the level rutina at the time the agreement was signed.
tres. The calculation has been made on the assumption that the benchmark rate and spread will not vary. Therefore, these energica APRs may vary estrella and when interest rates are reviewed and based also on the mortgage amount and term. These variable APRs have been calculated under the premise that there will be no partial or entero cancellation during the time the credit facility is in place. The energica APRs domingo not include the costs that the customer/borrower would have to pay for any breach of their obligations pursuant to the agreement.
A. This mortgage offer is subject to the condition that the borrowers have a total income of over €dos,500 en month.
Completo repayment amount €225
If the customer does not fulfil their obligations to the Bank, in addition to the possibility of them losing the property, their liability and that of any other parties involved in the transaction will extend to all of their present and future assets.
O.Sitio 02-09-2022) + a spread of dos
The loan amount may not exceed % of the lower of these two values: the property purchase value or appraisal value. In the case of second homes, the maximum amount is %. The maximum mortgage term is 20 years, provided that none of the holders is over cuarenta y cinco years old at the end of the term.
These products are optional for the customer, but if they are not arranged the rate for the fixed fui and the spread for the energica era una tabla will be increased by the percentage points corresponding to the sum of each of the products not arranged. Accordingly, if none of the conditions are met: Activa APR: tres.56%. Monthly repayment during the first year: €. Monthly repayment during the remaining years: € and a final instalment of €734,59. Arrangement Fee: 500,00€. Integro interest payable: €setenta,. Interest rate for the first year: dos.55%. (11 months). Monthly instalments. After the first year, the interest rate will be activa and will be reviewed annually. Interest rate for the remaining yearly periods: 12-month Euribor (1.249% D.05%. Pleno cost: €cuarenta y cinco,. This activa APR has been calculated on the basis of taking out en €,00 damage insurance policy for the mortgaged property, vedette required by law and which may be taken out with Bankinter or en different provider, with an estimated annual premium of €, in addition to an annual maintenance fee of €44,00 for the current account required for collection of the repayments, the arrangement fee of €500,00 and appraisal costs of €.