Novatropolis
Mortgages
Best types of mortgages
Mortgage 100%
Mortgages 100% finance the entire purchase price of a home, allowing to acquire a property without the need to provide an entry. This option is ideal for those who do not have enough savings but have a good monthly payment capacity.
Mortgage without savings
This type of mortgage is designed for those who have not been able to save a significant amount for the entrance of a home. Entities that offer this type of mortgage may require additional guarantees or guarantees to cover the additional risk.
Mortgage officials
Mortgages for officials are especially aimed at public employees, who usually benefit from favorable conditions due to their job stability. These mortgages may include lower interest rates and facilities in approval.
Young Mortgage
Young mortgages are intended for minor people from 35 years, offering advantageous conditions such as reduced interest rates and longer amortization deadlines. This type of mortgage seeks to facilitate access to housing for young people in their first acquisitions.
Mortgages according to conditions
Fixed mortgage
A fixed mortgage offers a constant interest rate throughout the life of the loan, providing stability in monthly installments. It is ideal for those who prefer to have an exact forecast of their expenses over time.
Variable mortgage
Variable mortgages have an interest rate that can fluctuate according to market reference rates, Like the Euribor. Although they can start with lower fees, They are subject to changes that can increase or decrease the monthly cost.
Mixed mortgage
Mixed mortgages combine elements of fixed and variable mortgages. Generally, They begin with a fixed type period and, After that period, Interest adjusts according to market variations. This type of mortgage offers a certain initial safety along with the possibility of benefiting from long -term variable types.
Other types of mortgages
Land mortgage
This mortgage is intended for the purchase of land, either for agricultural use, housing construction or other ends. The conditions usually vary according to the type and location of the land.
Garage mortgage
Garage mortgages finance the purchase of parking spaces, either as an investment or as a personal need. They usually have shorter amortization deadlines and specific conditions.
Second Housing Mortgage
Mortgages for second home are aimed at acquiring additional property, either for holiday use or as an investment. They may require higher tickets and have different conditions regarding mortgages for first home.
Local mortgage
This mortgage is intended for the purchase of commercial premises. It is commonly used by entrepreneurs and entrepreneurs who want to acquire a space for their businesses. The conditions may vary according to the type of activity and the location of the premises.
Self -promoter mortgage
Mortgages for self -promoters are ideal for those who wish to build their own home. They finance both the purchase of the land and the construction costs, offering flexibility during the different stages of the project.
Inverse mortgage
Inverse mortgage allows major owners of 65 years turn part of the value of your home into cash without having to sell it. It is an option to complement income during retirement, Maintaining the property of the housing.
Non -resident mortgage
Mortgages for non -residents are aimed at people who do not reside permanently in the country but wish to acquire a property in it. Conditions may vary, Considering factors such as financial stability and local legislation.
Foreign mortgages
Mortgages for foreigners facilitate the acquisition of housing to people from other nationalities. Financial entities evaluate the ability to pay and the legal situation in the country to offer adequate conditions.