Banco De España Calcular Hipoteca Page

| Function | How it affects your calculation | | :--- | :--- | | | Most Spanish mortgages use IRPH or historically EURIBOR (now published by ECB, but BdE regulates its use). | | Mandates the APRC (TAE) | Requires lenders to display the Annual Equivalent Rate (APRC/TAE), which includes fees, not just interest. | | Provides a mortgage comparator | Official online tool to compare bank offers. | | Sets good practice rules | E.g., limiting floor clauses, requiring transparency on early repayment fees. | | Calculates early repayment commission caps | Variable: 0.25% (first 3 yrs) / 0.15% (thereafter) — Fixed: 2% (first 5 yrs) / 1.5% (thereafter) as of 2025. |

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