The Rise of Euribor and the Best Fixed Mortgages Below 4%

In the month of July, the Euribor continued to rise, surpassing a new peak at the end of the month above 4.1%, being its highest value since 2008. Banks try to continue looking for options, although the requirements are getting tougher little by little. bit. Among the alternatives, the mixed mortgages continue to generate a lot of interest at the moment, although the entities are in turn adjusting the conditions in the fixed mortgages in order to make them more attractive again despite the rise in the Euribor and so that the client does not try to shy away from these types of mortgages. For this reason, to know and compare in detail what are the best fixed mortgages that there is today can help future mortgagees to know what is best for them to choose at this vital moment.

Ranking of the best fixed mortgages below 4%

Although the mortgage market has undergone major changes in recent months, many Spaniards seek advice every day to find out what is best for them when applying for their mortgage loan. To do this, using mortgage comparators, such as Rastreator, can help to obtain more advantageous conditions and rates than if done independently, since entities offer ad hoc conditions to this type of intermediary.

Currently, there are different alternatives for mortgages at a fixed rate below the reference index, such as Caixabank with a 3.04% APR, although it requires two linked products, life insurance and direct deposit of the payroll. It is followed by the fixed mortgage of Imagine with a 3,45% TAE with which you only need to direct deposit the payroll to access the bonus.

Another interesting option is the fixed mortgage of BBVA located at 3.50% APR, an entity that also requires linking products such as life insurance and domiciling the payroll.

Next, bankinter has a 30-year fixed mortgage with a 3,60% TAE being necessary to link products such as life insurance, home insurance and domicile the payroll.

Finally, Openbank also offers its fixed mortgage with a 3,62% TAE. In this case, this interest is subject to taking out home insurance and domiciling the payroll.

However, given that each profile will have specific needs, it is essential to be aware of the Euribor and above all, let yourself be advised and request help from mortgage brokers to make a decision with which we are completely calm since it can influence our life for a long period of time. life.