Unicaja leaves its fixed mortgage below 3% for first and second homes

Unicaja is consolidating itself as one of the banks to be valued in the field of fixed mortgages. Currently, the Malaga entity is marketing one of the most competitive alternatives to finance the purchase of a home with fixed interest.

In particular, the Fixed mortgage Unicaja It has a rate of 3.05% in the first six months, although after that time, and until maturity, it applies 2.95% (3.75%) with the highest bonuses.

That is, to choose thats conditions The payment must be included, with a minimum of 2,500 euros per month; and receipts, as well as making purchases with the entity’s card. Other options are to take out life, home, unemployment, auto or health insurance; or, make contributions to an investment fund or pension plan from time to time.

If these requirements are not met, the interest rate during the first six months will remain at 3.05%, after which it will rise to 4.25% (4.38% APR). In any case, the bank establishes a annual review of the contracted bonuses.

Another advantage of the Unicaja fixed mortgage is that it is predictable any home purchase. If the work is aimed at obtaining a main residence, the maximum funding is up to 80% of the smaller of these two amounts: the assessed value of the property or its purchase price. If it is a second residence, the limit is 70%.

It is also worth noting that the contract period and age limit of the holders vdepending on the home being financed. For ordinary residences, the entity allows signing for 30 years as long as the client is not older than 75 years at the date of conclusion of the mortgage contract. On the other hand, the maximum period for buying a second residence is 25 years, and as long as the owner is not more than 70 years old.