Mixed mortgages have been the queens of 2023, benefiting from a changing environment in terms of the Euribor in a year in which the European Central Bank (ECB) has carried out several interest rate increases. For this reason, those who want to buy a home ask themselves: is it advisable to sign a cheaper mixed … Read more
Both demand and supply of calls grow green mortgages. Its average interest rate is above that offered by traditional home purchase loans. Which banks include these types of products in their showcase? Which are the most interesting for the client? At this time, according to calculations offered by the association of financial users Asufin, the … Read more
The Spanish will spend this year during their summer vacations an average of 610 euros, according to a report by the National Outbound Tourism Observatory, almost 50 euros more than in 2021. But there are different ways to save during a trip to get to September without ending our current account. These are the keys, … Read more
Financial entities anticipate a certain tightening of the criteria for granting loans and a drop in demand, both for consumption and for home purchases, which would interrupt the upward trend that has been recorded in recent months thanks to the confidence for recovery from the pandemic. A scenario that will erase the uncertainty generated by … Read more
About 21 million Spaniards have life insurance. From them, almost 10 million are linked to banking products, according to some studies. Most entities pressure their clients to contract additional products, such as insurance or even pension plans, when it comes to being able to sign a mortgage or take out a personal loan. A practice … Read more
The bank tells you: interest reduction. And you think that the loan is going to be cheaper for you. But in the end it ends up being the opposite. The trick? Entities apply some lower rates in exchange for charging more for other expenses, raising commissions or including the obligation to contract more expensive linked … Read more
In the last decade, mortgage interest rates have plummeted. However, taking out the wrong home loan can end up being expensive for the consumer. Choose variable, fixed or mixed mortgage? In deciding the best one, the client’s age, socioeconomic status and risk profile are key factors. – In recent years, the historical trend in which … Read more
The final price of revolving cards continues to be above 22%, despite the ruling issued by the Supreme Court just over a year ago which defined them as usury. Although it is true that financial institutions have been adjusting their interest rates after this, the average market price is installed at 22.84% due to high … Read more
More and more entities have gotten into the green financial products market, from mortgages to consumer loans, with the aim of helping to incentivize the environmental and sustainable development goals set for 2030. However, much remains to be done. The offer financing of this type is still scarce and sometimes bonuses they are not enough … Read more
Banks usually condition the approval of a loan to the contracting of insurance. A requirement to which the entity cannot oblige the client, but that sometimes, despite the cost involvedYes, it is usually of interest to the user to lower the mortgage interest. – The first thing to calculate to know whether or not to … Read more