The data were obtained from the rates that institutions in their brochures published fares (which are the maximum that can be applied), so it could actually become lower than the numbers reflected in these tables.
In any case, as it is not all the entities it may be that the amounts to be tariff his organization are above the maximum values of these tables, which is not in any way mean that your organization is in breach nothing.

These tables allow you to compare what actually is taking its organization with the values that represent an industry average and maximum and minimum values. To facilitate the presentation of data in the tables below always contained a percentage (%) and minimum (MIN €). This is to indicate the following:

When the data are for commissions in the form of commission fees only, the column is blank the percentage yen MIN € column contains the corresponding figures under the title-column-average rates for amounts that committee only by the entities ( “average”), to the maximum and minimum tariffs and the standard deviation of the sample.

When the commissions as a percentage rates and minimum data appears in both columns, with those in column (%)-as the title of the columns, the average value of the shares, the maximum and minimum the standard deviation of the sample, and figures appearing under the column MIN € averages, maximum, minimum and standard deviation, but refers to the minimum commissions.

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For example, if the buyer provides an increase in their ability to purchase (for an inheritance, because the housing case and gained two salaries because their work or business expectations have improved by a drop in interest rates, etc.) may be interested to repay the loan before it signed the loan, but the committee for the early cancellation may be very high and involves “lose” money in the features that can obtain another mortgage.

For this reason, it is essential that the buyer of a home knows the key variables affecting these loans:
- Amount of the loan. Generally, banks tend to offer mortgages amounting to 80% of appraised value of the house, although in recent years as a result of high house prices, financial institutions have offered products with higher limits on this 80%.
- Value pricing of housing. Is the value of housing as certified by a qualified and accredited for this purpose.
- Depreciation. Consists of the total or partial payment is made to repay a loan. The amount payable includes the amount that is more interest on that loan. There are different ways to return or a loan. The most common method is the French quota constant.
- Deadline for depreciation. Time limit for repayment of the loan (now this term varies widely, moving from 20 to 50 years).
- Interest rate. The amount, expressed as a percentage, to be payable to the applicant for payment of the loan amount has been provided. There are several types: the fixed rate remains constant throughout the life of the loan, the interest rate variable multiple updates as agreed in the contract in the rate of mixed blends the fixed interest during the first stage of the life of the loan becomes variable from the time that is set previously in fixed mortgage interest is variable, but to pay the monthly fee remains fixed, so that if you raise or lower rates, the repayment term increases or decreases.

Most of the mortgages with variable interest will be reviewed periodically based on the Euribor for the month in which the review.

Euribor
Is the main official benchmark that is used for setting the interest rates on a mortgage. Represents the simple average of the daily interest rates applied to transactions in a cross in the market for years interbancarios1 deposits of major financial institutions in the area of monetary union.

The amount of the loan, the repayment period and interest rate determines the monthly fee to pay, hence the importance of comparing these values together because ultimately, this share is going to have to assume the buyer during their mortgage. As already mentioned, this fee includes part of the amount to be provided, plus interest on the loan within that period.

Either way, it is recommended not to get carried away by attractive offers in installments, interest rates, grace periods (the period of time, at the beginning of the loan, which pays only the share of interest), etc. . and ignore other key aspects such as costs and fees associated with mortgages.

In this sense, a home buyer has to bear the costs of the taxation of housing, registration, management and notary public, plus taxes and fees associated with the financial loan. These costs may include:
- Tax on documented legal acts. In the case of mortgages, taxes the first copies of the scriptures of formation of the mortgage. The rate to be applied varies depending on the region and the amount of the loan.
- Commission to open and study. Percentage, usually negotiable, which charges a financial institution for costs incurred as a result of processing the mortgage loan contract.
- Commission for cancellation or early repayment. Rate applied by the financial institution in the case of partially or totally cancel the Mortgage prior to the deadline fixed for redemption. On variable interest loans the commission is limited to 1%, while fixed interest loans, it is generally higher. Thus, with a high commission for cancellation, an early repayment of the loan or negotiate a new mortgage with better terms, may not be an economical alternative recommended.
- Committee of subrogation. Rate applied on the loan when you run the option to change the mortgage of a financial institution to another, with the possibility of changing the interest rate, keeping the time and amount to be recovered.

Ultimately, hiring a home loan should take into account each of these factors before selecting the mortgage that best suits according to socioeconomic and personal circumstances of each.

A value that can help to compare the variety of products available in the mortgage market is the annual percentage rate (APR). This value is obtained by applying a mathematical formula which allows results comparable mortgage offers from different financial institutions. This formula applies the values of interest rate, the repayment period or commissions, but does not include other costs such as valuation, management, notary or taxes.

Outside the context of general content that affect all types of mortgage loans, will also be considered a result of those loans or protected activities in collaboration with various public authorities.

Protected action on mortgage loans
Many different types of housing in Spain are associated with the aid to which they are entitled, the so-called agreed loans, sometimes also known as qualified loans, although both can be considered roughly equivalent in form. These loans are granted by public banks and private fruit of cooperation agreements signed between the government and those entities.

Loan conditions agreed under the State Housing Plan 2005-2008 sets the maximum amount of the loan in 80% of the writing or award of housing. The repayment term is up to 25 years and the initial effective interest rate shall be agreed annually by the Council of Ministers (for the year 2007 was set at 4.35%).

The State Housing Plan also incorporates the possibility of benefiting from these loans as agreed, in the event of purchasing second-hand housing to meet the requirements legally. In this case it is important to know that those who receive housing aid will have limited the selling price in the following sales or transfers during the period established by the Autonomous Communities, which may not be less than 15 years from the date of acquisition.

Also, keep in mind that if the first access to purchase the property (should not be or have been the holder of a second home) and family income does not exceed 3.5 times the statewide Public Multiple Effect Income ( IPREM), where purchase of housing or Special Conditions and General Price in the acquisition of protected dwellings used, the amortization of fees associated with a mortgage will help (loans agreed subsidiación) to facilitate the family burden posed mortgage payments. In the same way, this type of housing may also be receiving a State Aid Direct Input (AEDE), whereby it is possible to reduce the amount of the loan agreement.

Hipoteca Joven
It should also be noted that many state or municipal governments have signed cooperation agreements with financial institutions to offer products that facilitate young people’s access to housing. They are called “Hipoteca Joven.” These loans typically have terms more favorable than those generally provided free by the financial market and, if available, can be a good option for young people wishing to buy a house.

Particularly advantageous for several acquired simultaneously or need of cash. Afforded the opportunity to request a personal loan when you have other funds already in progress.

Unlike the loan, the agreement of the funding for a personal loan takes place solely between the lender (bank or finance company) and applicant (customer), without going through a reseller (dealer).

The amount agreed for a personal loan is paid directly into bank account of the beneficiary, by check or wire transfer, by going directly to the door of any institution / company credit, or use the websites in the case of on-line.

The repayment of the loan (amortization) by the client usually happens through the payment of monthly installments and a fixed rate for the duration of funding, regularly expressed by the values TAN (nominal annual rate) and T.A.E.G. (APRC), which was important to assess the suitability of an offer.
It is a good rule to be wary of financial companies operating in a professional and just check that they adhere to rules laid down on consumer credit. Under this legislation a personal loan is aimed at individuals (consumers) and cannot be granted to companies to finance their activities.

The recipients of this type of financing are mainly employed as part of any category (employees, self-regulating, self-employed, etc.) And with any type of contract (indefinite duration, training, apprenticeship, self, etc.), provided there is the presence of a certified income (for self employed through the model Unico) and sufficient in relation to repayment of the funding requested.
The maximum amount that the bank may provide for an employee, in fact, is linked to his salary and the net; general budget. With the exception of fixed-term workers, bound by the length of contract for which will be granted only a refundable within the period of employment. Even retirees can rely on the personal loan by the expression of the transfer of the fifth.

As funding is not finalized, the personal loan generally does not provide for the presence of collateral (eg ownership of a property for any liens or mortgages), but to limit the risk of insolvency, institution or company Credit may sometimes require some minimum guarantees such as the signature of a guarantor or a guarantee, especially when the total funding request is too high compared to net income of the applicant.

It is difficult to establish standard rules on the request for guarantees, each case will have a risk profile (credit score or scoring) in a single transaction and the individual applicant.
Be stressed that the personal loans tend to not be granted to bad payers or protest.

When they are selected for funding as the personal loan will be paid particular attention to the contractual arrangements of the various bids.

His assignment takes place after a series of checks that the broker is running according to the economic and professional situation of the applicant, exams that allow them to assess the safety and avoid inappropriate situations of insolvency.

This funding may be requested and paid in several ways: to purchase consumer goods (automobile, housing, furniture, appliances, clothes, etc.), To renovate their homes (housing), to pay other debts or merely to possess a willingness Instant cash (cash loans).

The loan can be finalized and not finalized, but what is the difference between these two forms of financing?

The main feature that distinguishes the two types of loan-subsidy is based on the method of delivery and consequently to the repayment of the money itself: in the case of loans the client is obliged to purchase a consumer product, however, specifying the purpose of the loan necessarily aware, the institution lender, while in the case of loans other than the customer has no fencing for and is free to dispose of the amount required to borrow more freedom of action.

Generally, loans are distinguished from others by a greater simplicity and speed of the practice, it sometimes may be paid from the same point of sale of the property in question through trade and financial agreements with banks, while loans for other than one directed solely to credit institutions.

Obviously, the choice between these two forms of funding will be made by the customer in close relation to their needs and availability.