Mortgage loans

Romich Loan offers you fixed rate mortgage loans, adapting to your needs, with the peace of mind of paying the same installment throughout the life of the loan, without worries or changes.

Term from 4 years to 20 years.
Fixed Rate, which varies depending on the term of the operation.
8.51% NIR and 10.08% APR (*) for a 15-year term.

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Inmobiliaria Neptuno, a real estate agency in the Center of Marbella, which has a team of expert real estate managers who offer personalized and effective treatment and comprehensive management in the sale and rental of real estate.

Advantage

FLEXIBILITY.

Choose the term and the fee adapted to your needs, up to a maximum term of 20 years.

FIXED FEE.

Throughout the life of the loan, NO surprises.

"To expand the information on our mortgage loans, make a single click by clicking on the bottom of the central page under the heading" Pre-contractual Information Sheet ", which contains a simulation of a mortgage loan."

(*) The calculation of the APR is made under the assumption that the loan contract will be in force during the agreed period of time and that the applicant will fulfill his obligations under the conditions established in the contract. Likewise, it has been taken into account that you will have to face the following costs: opening commission, appraisal and fire and damage insurance.

Representative example for a 10-year € 100,000 mortgage loan, to be repaid in 120 monthly installments of € 1,213.33 ¹. The nominal fixed interest rate (TIN) is 8.00% ² annually. The APR is 9.95%. Opening commission of 5.5% of the capital: € 5,500. Fire and damage insurance: € 65.38 ³, annual premium for 10 years. Appraisal: € 375.10. Total amount owed 4: € 152,128.50. Offer subject to the prior authorization of Financiera Carrión, SA, EFC after studying the documentation provided and signing the contract.

Representative example for a mortgage loan of € 100,000 for 15 years, to be repaid in 180 monthly installments of € 985.56 ¹. The nominal fixed interest rate (TIN) is 8.51% ² per year. The APR is 10.08%. Opening commission of 5.5% of the capital: € 5,500. Fire and damage insurance: € 65.38 ³, annual premium for 15 years. Appraisal: € 375.10. Total amount owed4: € 184,256.60. Offer subject to the prior authorization of Financiera Carrión, SA, EFC after studying the documentation provided and signing the contract.

Representative example for a 20-year € 100,000 mortgage loan, to be repaid in 240 monthly installments of € 896.67 ¹ The nominal fixed interest rate (TIN) is 8.95% ² per year. The APR is 10.36%. Opening commission of 5.5% of the capital: € 5,500. Fire and damage insurance: € 65.38 ³ ​​annual premium during the 20 years. Appraisal: € 375.10. Total amount owed4: € 222,383.50. Offer subject to the prior authorization of Financiera Carrión, SA, EFC after studying the documentation provided and signing the contract.

¹French repayment system (the amount of the installment to be paid is the same during the term of the loan, comprehensive installments of capital and interest). The formula applied to calculate the monthly installments is as follows: Installment = C x (ix (1 + i) n ) / ((1 + i) n - 1)) Where “C” is the nominal capital of the loan, “ i ”the annual interest rate divided by 12 and“ n ”is the duration of the operation in months. The quota obtained includes the amount corresponding to interest (result of dividing the interest rate by 12, multiplied by the outstanding capital).

² Fixed interest rate that varies depending on the term of the operation (check with the TIN entity for other terms).

³ The amount of the fire and damage insurance premium varies depending on the capital insured.

4 The total amount owed includes the requested amount, commissions and remuneration interest, as well as the insurance premium.

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