CX Mortgages

Loan

The financing that fits your needs

Buy your home with preferential financing.

At CatalunyaCaixa we appreciate your loyalty. So we’ve put together special financing for your property which means the more loyal you are as a customer, the better the price you get for your mortgage. A loan with which you can finance the purchase, construction or refurbishment of your primary residence or any other investment which has a mortgage guarantee.

Mortgage simulator CX

Calculate the payments for your CX mortgage and associated purchase and mortgage expenses.
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CX FIXED MORTGAGE

Interest rates are at their lowest level in recent years. Take advantage now of the CX Fixed Mortgage which means you know in advance how much your mortgage will cost when you take it out and gives you the peace of mind of not having to worry about changes in the interest rate. You pay the same every month.
You choose the term and instalment that you prefer:

Always pay the same
Financing up to 80%* of the value of the property
No arrangement fees
Up to 30 years repayment period

Term	APR*	TIN	Monthly instalment
Until 15 years	3,125%	2,00%	643,51€
From 16 to 20 years	3,257%	2,25%	517,81€
From 21 to 25 years	3,707%	2,75%	461,31€
From 26 to 30 years	3,941%	3,00%	421,60€

Exemple for a load of €100.000

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Additional information

* Financing subject to approval. Valid until 31/3/2016. Each of the APRs indicated in the table above is the result of applying the term and NIR in each case based on the following assumptions: Amount: €100,000, holder aged 27, land registry: €347 Stamp Tax (AJD) (full rate for a loan taken out in Catalonia): €2,520, valuation: €298.13, registry verification: €29.04 and administrative office fees: €250. Life insurance with loan repayment between €149.22 and €83.64 per year (reviewable every year based on outstanding principal) and home insurance of €185.99 per year. Terms and conditions: salary paid in directly, direct debit of two bills, credit card used in at least 12 transactions per year (€32 maintenance fee per year), CX home and life insurance linked to the loan (insurance taken out via CatalunyaCaixa Mediació).

Policies taken out through CatalunyaCaixa Mediació, Operador de Banca-Assegurances Vinculat, SL. Registered in the Special Admin. Reg. of Art. 52 of Act 26/2006 with no. OV-0029. It has arranged liability insurance. It has sufficient financial capacity in accordance with the aforementioned Act. CIF: B-58812074. Life insurance policy insurer: CatalunyaCaixa Vida, SA d'Assegurances i Reassegurances. Life insurance policy insurer: CatalunyaCaixa Vida, SA s’Assegurances i Reassegurances. Home insurance policy insurer: CatalunyaCaixa Assegurances Generals, SA d’Assegurances I Reassegurances.

CX MORTGAGE

We’ve lowered the price of your mortgage even more. You pay a fixed rate for the first year and from the second year the interest rate will be adjusted to market conditions with annual reviews based on the Euribor. Plus we reward your loyalty as a customer with discounts. Better prices, no arrangement fee and NO FLOOR CLAUSE.

Financing up to 80%* of the value of the property
No arrangement fees
Up to 40 years repayment period
You choose the day when you pay your instalments

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Additional information

*The lower of purchase or valuation

Financing subject to approval. Valid until 31/3/2016. Euribor + 1.25% (NIR: 1.292% / Variable APR: 2.201%) with annual resets. Euribor January/2016 (0.059%), BOE 2/2/2016. Variable APR calculated on the assumption that the indexes remain unchanged. Consequently this variable APR will vary with interest rate resets. Terms and conditions: salary of €1,500 or more paid in directly, direct debit of two bills, credit card used in at least 12 transactions per year (€32 maintenance fee per year), CX home and life insurance linked to the loan (insurance taken out via CatalunyaCaixa Mediació). For example: €100,000, holder aged 27, 25-year term, TIN: 1.292%, land registry: €347, Stamp Tax (AJD): €2,206.22 in Catalonia, valuation: €298.13, registry verification: €29.04 and administrative office fees: €250. Life insurance with loan repayment between €149.69 and €81.44 per year (reviewable every year based on outstanding principal) and home insurance €185.99 per year.

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