In the world of mortgages, BBVA and Santander have dominated the market for years. However, a new player is challenging them with a very attractive offer.
This is Unicaja, an entity that has decided to revolutionize the mortgage market with a series of advantages that could make banking giants tremble. More than one person will think about it when applying for a mortgage.
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Unicaja allows you to employ it 100% digitally.
One of the great attractions of Unicaja is that you can manage the entire mortgage application process online. From the comfort of your home, you can start and progress your application without having to travel, saving you time and hassle. All you have to do is go to the notary to formalize the process, but the rest of the procedure is 100% digital.
This online mortgage model has been very well received by those looking to simplify processes. In addition, Unicaja provides a dedicated manager who will be with you at all times to resolve doubts and facilitate the process. You can track the status of your application at any time, adding an extra layer of transparency and peace of mind to the process.
Special Touch: Design Advice and Discount at IKEA
But Unicaja’s surprise doesn’t stop at the digital level. The bank has introduced an incentive that sets it apart from its competitors: by taking out your mortgage, you get a 5% discount at IKEA. Thus, you can decorate your new home with significant savings on furniture and accessories.
In addition, it includes free advice from an interior designer. This service is available until September 30, 2024. It allows new owners to receive personalized guidance to make their new home more welcoming.
With this package, you will not only get a mortgage, but you will also ensure that your new home looks perfect.
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Types of mortgages in Unicaja
Unicaja offers several types of mortgage loans to suit each client’s needs. Here are some of the most prominent options:
Fixed mortgage
With a 100% fixed online mortgage, you’ll be sure to pay the same monthly fees for the entire life of the loan. This option is ideal for those looking for stability and wanting to protect themselves from market fluctuations. Regardless of whether interest rates rise, your installment will remain the same, giving you peace of mind in your financial planning.
variable rate mortgage
A 100% online variable mortgage is an option for those who prefer to take advantage of potential interest rate drops. In this case, the monthly fees will be adjusted based on the market. However, it is important to note that during times of rising rates, fees may also increase.
mixed mortgage
A hybrid mortgage combines the best of both worlds. For the first 10 years, you will have a fixed rate, giving you security and stability. From the 11th year onwards, the rate will adapt to market conditions and provide flexibility as interest rates evolve.
youth mortgage
If you are under 35, Unicaja Youth Mortgage can be an excellent option. It offers special conditions for young people looking to buy their first home.
How will BBVA and Santander compete?
With these offers, Unicaja has been able to attract many new customers looking for a flexible mortgage that adapts to their current needs. The ability to do the entire process online, along with incentives such as the IKEA discount and interior design tips, makes a big difference.
Meanwhile, BBVA and Santander will have to work on new strategies to maintain their position in the market. While both banks are known for offering solid and reliable products, Unicaja’s innovation and convenience are starting to shine.
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