How to make the change from a variable mortgage to fixed

We tell you what options are there to move from a variable to fixed mortgage

– Loans at a variable rate: in variable- rate mortgage loans, this is calculated using a benchmark (the most common is the Euribor) plus a differential that is fixed. The fee to pay will vary in each revision based on the changes of the Euribor.

– Fixed-rate loans: in fixed- rate mortgage loans the same quota is paid throughout the life of the loan.

– Loans to a mixed type: these loans apply to a fixed rate during the first years of the life of the loan, a period that usually ranges from 5 to 10 years, and for the remainder of the term a variable interest is applied, whose reference index is usually the Euribor.

It is common for fixed mortgages to have a higher interest rate than a variable mortgage, in exchange for offering the peace of mind to always pay the same quota. Although initially, variable-rate mortgages tend to have a lower interest rate, it may rise or fall under the reference index changes (the most common is the Euribor).

With respect to the amortization period, there are hardly any differences between the different types of mortgage loans and most of them contemplate a term of 20 to 30 years, although some banks offer mortgage loans amortizable within a period of up to 40 years in the case of mortgage loans to variable type.

There are two ways to pass a mortgage loan from a variable rate to fixed rate, for novation of the mortgage and subrogation.

With the change, we change the conditions that we had previously contracted with our bank. Generally, they tend to affect the type of interest, extend the amount of the loan or the repayment period. If we want to spend our fixed-rate mortgage loan at a fixed rate and wish to continue with our bank, we must request a renewal of the mortgage loan.

Keep in mind that this involves a number of expenses. Some banks contemplate the collection of commissions for mortgage novation and on the other hand, it is required to make a new public deed, which costs € 1,200 for an average mortgage of € 100,000. Another possible cost, depending on the type of novation, is the Tax on Documented Legal Acts, whose amount varies between 0.5% and 1.5% of the value of the loan, depending on the autonomous community. The appraisal of the property could also fit, depending on the entity’s risk policy.

The alternative to the novation of the mortgage loan is to change the banking entity, which is known as a subrogation between entities. This change usually involves modification of some of the conditions of your loan, such as the type of interest you are subject to- Bombardier Atv short-term loans.

Like the novation of the mortgage, the subrogation to another banking entity brings with it a series of expenses: Commission for subrogation, a commission for subrogation that by law does not exceed 0.5% during the first 5 years of life of the mortgage ( for loans formalized as of April 2003) or 0.25% from the sixth year, in addition to expenses of notary, Registry, management.

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