Calculadora De Hipoteca Banco De España Site

It is located on the Banco de España official website under the "Educación Financiera" (Financial Education) or "Servicios al ciudadano" (Citizen Services) sections.

It is not a single calculator, but rather a series of hosted on the BdE’s Portal del Cliente Bancario (Bank Customer Portal). These simulators are designed to comply with Spanish mortgage law ( Ley 5/2019 ), ensuring that consumers can replicate exactly how a bank should calculate interest, fees, and early repayment penalties. calculadora de hipoteca banco de españa

Este sistema se caracteriza por mantener cuotas mensuales constantes (siempre que el tipo de interés no varíe), donde la proporción de intereses disminuye progresivamente mientras la amortización del capital principal aumenta mes a mes. It is located on the Banco de España

Under Spanish mortgage law ( Ley 5/2019 ), the bank must give you a standardized European Mortgage Information Sheet (FEIE) at least 10 days before signing. If the results don’t match, the bank may be hiding fees or applying an incorrect amortization system (e.g., using a 360-day year instead of 365). Este sistema se caracteriza por mantener cuotas mensuales