These are the 3 best mortgages obtained in August 2023

norin565

Despite the ECB's rate increases, it is still possible to apply for a mortgage and get it on very favorable conditions. Or at least, the experts at Housfy Mortgages achieve it. Below we will tell you which are the best mortgages that our professionals have obtained in August 2023.

Find the best mortgage without mistakes
Going from bank to bank is a thing of the past.
GET INFORMED FOR FREE
How to access mortgages with the best conditions
Surely you already know that, when faced with the bank, we are not all equal. One thing are the offers that you can see when comparing mortgages online , but another thing is the conditions Colombia Email List that the bank, after studying your profile well, ends up offering you.

The logic is clear. The bank, by lending money for a mortgage, assumes a risk , the possibility that it will not be returned. Therefore, the more doubts an applicant generates, the more guarantees they demand, which translates into tougher conditions.

But also vice versa. If the guarantees offered by the applicant are very high , his position to negotiate favorable conditions with the bank is very strong. He offers the bank what he is looking for, and in exchange he can ask the bank for what suits him: a lower TIN and APR , for example. The profile of the ideal mortgage holder, let us remember, brings together these qualities:

High income.
Employment stability.
Savings provision.
Impeccable credit history.


Recommended reading:   Housfy's Euribor forecast graph for 2024 and 2025
The best mortgages in August 2023
As you can imagine, the profiles that accessed the best mortgages in August 2023 met several of the qualities from the previous list. Let's see what those mortgages are like.

A fixed mortgage with a TIN of 2.55%
According to INE data on mortgages signed in May, the average interest for fixed mortgages was 3.4%. A fixed TIN of 2.55% is therefore a success.

In May 2023, 36.4% of the registration modifications were changes to the fixed interest rate. With the current Euribor levels, it is not surprising that it is one of the favorite options to improve the conditions of a mortgage .



The other data that supports the popularity of fixed interest is that of the constitution of fixed mortgages: 62% of those signed in May are. To see if one is also right for you, you can use our mortgage plus expenses simulator .

FIND THE BEST FIXED MORTGAGE FOR YOU
A mixed mortgage with a fixed TIN of 1.90% in the first 3 years
According to David Espiago, banking business director at Housfy Hipotecas, requesting a mixed mortgage is the best option for those who have not been able to access a fixed mortgage with a low TIN.

In August 2023, the best mixed mortgage that Housfy brokers have achieved is one with a fixed TIN of 1.90% in the first three years, after which it changes to a variable interest rate of Euribor + 0.45 %.