The APRs have been calculated taking into account the following: 1. We're here to answer your questions and banking queries, provide technical support, etc. Although we cover a range of products that we update periodically, please confirm the precise terms and interest rates of the product with the relevant bank. The 15-year fixed-rate mortgage drops to 1.80% from the previous value of 2.00%, whereas the interest on 20-year loans drops to 2.10% from the previous value of 2.30%. This APR has been calculated on the following basis: - Arrangement of life insurance for an amount of 150.000,00 Euros for 15 years for a 30-year-old person. These products are optional for the customer, but if they are not arranged the above rate (1.25%) will be increased by 1.30% corresponding to the sum of each of the products not arranged. The same instalment today, tomorrow and in 20 years' time. 71,5%. The loan amount may not exceed 80,00% of the lower of these two values: the property purchase value or appraisal value. The mortgage is provided subject to the application being approved by Bankinter, S.A. The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding principal) and the amount repayable (the result of subtracting the interest from the instalment). Total interest: 42.523,85€. *The Loan-to-Value ratio is the amount you want to borrow as a percentage of the value of your home. Total amount repayable: 228.271,82. Total repayment amount €181,735.36. The loan amount may not exceed 80,00% of the lower of these two values: the property purchase value or appraisal value. This APR has been calculated on the basis of arranging with Bankinter, or a different provider, the legally required home insurance policy for €100,000.00, with an estimated annual premium of €190.72, in addition to an annual maintenance fee of €45.00 for the current account required for payment of the instalments, an arrangement fee of €500.00 and appraisal costs of €249.56. Renewal annual insurance. BKT 4.713 EUR - TeleTrader.com. A28157360 and registered office at Paseo de la Castellana 29 (28046 Madrid). The maximum mortgage term is 10 years, provided that none of the holders is over 75 years old at the end of the term. 1. Bankinter has also reduced the 15-year and 20-year mixed-rate mortgages by 10 basis points. The Bank will pay the expenses of the Notary, registry, management agency and stamp duty (the amount of which varies depending on the autonomous community where the mortgage is arranged), except in the Autonomous Community of the Basque Country (where the customer pays such costs, except for the acquisition of a primary residence which is exempt from this tax). In the case of second homes, the maximum amount is 60.00%. The interest rate is subject to the condition that the following products be arranged with Bankinter: - Salary Account, Business Account or Non-Salary Account (discount of 0.50 percentage points). What are the legitimate bases for processing your data? We use first and third-party cookies for analytical and statistical purposes and to show you personalised advertisements based on a profile compiled from your browsing habits (e.g. Pension Plan/EPSV: have a pension plan/voluntary pension scheme in place with the company Bankinter Seguros de Vida, belonging to Bankinter, S.A. Group, for the entire term of the loan and make a minimum annual contribution to it of €600 (bonus of 0.10 percentage points). Term deposits 17.3. Come to Bankinter! More Financials. Offer valid until the total amount offered (25 million euros) has been reached. Monthly instalments for 15 years: €914.33, and a final instalment of €914.56. Total interest: 26.817,10€. You can accept all cookies by pressing 'Accept' or personalise your choice by clicking on 3. The customer will pay the appraisal costs. Today it is a publically traded bank with 360 branches and 356 ATMs. Key statistics of the company 'BANKINTER, S.A.' with fundamentals, valuation ratios, and values about profitability, financial strength and efficiency By using our services, you accept our updatedTerms of Use, Data Protection Policy and our use of cookies. Key statistics of the company 'BANKINTER, S.A.' with fundamentals, valuation ratios, and values about profitability, financial strength and efficiency. (300 months). pages visited). This APR has been calculated on the basis of arranging with Bankinter, or a different provider, the legally required home insurance policy for €100,000.00, with an estimated annual premium of €190.72, in addition to an annual maintenance fee of €45.00 for the current account required for payment of the instalments, an arrangement fee of €500.00 and appraisal costs of €249.56. This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk. Bankinter plans to list its insurance business Linea Directa Aseguradora (LDA) on the stock market next week. Monthly repayments. Spanish National Securities Market Commission (www.cnmv.es). Come to Bankinter! The current EBIT profit margin for Bankinter SA as of March 31, 2020 is . The interest rate is aprox. Bankinter begins the 2019 business year with a substantial reduction in the interest rate of its fixed-rate mortgages and in the fixed section of mixed. There's no obligation to have them, but you'll pay less for your mortgage if you do: a Salary, Business or Non-Salary account; life insurance covering the full mortgage amount; comprehensive home insurance; and/or pension plan/EPSV. Annual premium of €164.29. Total cost: 23.249,79€. The maximum mortgage term is 20 years, provided that none of the holders is over 75 years old at the end of the term. (180 months). Coupon: Next interest pay date: Interest payment count The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding capital) and the amount repayable (the result of subtracting the interest from the instalment). 6. The entire process online and with all the help you need. Mortgage amount: 150.000€. Bankinter, which is focusing on consumer finance and private banking, has managed to increase net interest income as other Spanish lenders struggle with low interest rates … 1.95 %. In the case of second homes, the maximum amount is 60.00%. 3.25% during the first year of the mortgage and then changes according to the terms of each individual loan. Total cost: 23.202,18€. Annual premium of €164.29. Therefore, any refusal to supply the personal data requested, or the submission of inaccurate or incomplete data, could therefore render it impossible to provide you with the service. Accordingly, if none of the conditions are met the fixed rate will be 2.65% (APR 2.97%). For what purposes do we process your data? Interest rate: 1,30%. 6. Ten years of annual and quarterly financial statements and annual report data for Bankinter SA (BKNIY). Other deposits 18. CREDIT OPERATIONS 18.1. Mortgage loans and home equities loans Total cost: 31.735,36€. Monthly repayment for 30 years: €612.36 and a final instalment of €613.42. Accordingly, if none of the conditions are met the fixed rate will be 2.55% (APR 2.92%). The bank finished the quarter with a bad loan ratio of 2.37% compared with a 4.55% ratio for the sector as of February. For more information, click on our Cookie Policy. Total interest: 70.450,66€. Mortgage amount: 150.000€. They do not include the costs which the customer/borrower would have to pay for the breach of any of the obligations in the agreement. Term of loan: 30 years (360 monthly repayments). 2. Total interest: 55.294,10€. What are the legitimate bases for processing your data? Accordingly, if none of the conditions are met the fixed rate will be 2.60% (APR 2.94%). Annual premium of €164.29. Unless you have stated otherwise, we will keep your data for a period of six months. Lower your monthly repayments and save thousands over the life of your mortgage with Avant Money. link. The Spanish economy with a population of 46 Million (Est 2010) ranks 13th in the world with a GDP PPP of 1.36 trillion and GDP PPP per capita of 29,625 vs 45,934 (United States) according to the IMF in 2009. Bankinter's shares rose by more than 7% on Thursday after it said net interest income (NII), its earnings on loans minus deposit costs, would see low-single digit growth in 2021 despite the impact of negative interest rates in the first half. Total cost: 78.271,82€. These APRs may vary depending on the transaction amount and term. As soon as they are no longer necessary for the purposes described above, the data will be blocked for the period for which they may be required for carrying out, or defending, administrative or legal actions, and they may only be unblocked and processed again for this purpose. APR: 1,99%. Total interest: 20.095,42€. These products are optional for the customer, but if they are not arranged the above rate (1.25%) will be increased by 1.30% corresponding to the sum of each of the products not arranged. (360 months). There is no prospect of interest rates increasing over the next couple of years or – and probably longer – as the Covid-19 crisis plays out. In the case of second homes, the maximum amount is 60.00%. Current Accounts 17.2. This APR has been calculated on the basis of arranging with Bankinter, or a different provider, the legally required home insurance policy for €100,000.00, with an estimated annual premium of €190.72, in addition to an annual maintenance fee of €45.00 for the current account required for payment of the instalments, an arrangement fee of €500.00 and appraisal costs of €249.56. Renewal annual insurance. These products are optional for the customer, but if they are not arranged the above rate (1.30%) will be increased by 1.30% corresponding to the sum of each of the products not arranged. Monthly repayments. These APRs have been calculated on the assumption that there will be no partial or total cancellation of the mortgage. Account transfer service. The data provided will not be transferred to third parties, unless there is a legally obligation to do so. The monthly payments (French repayment system) are the result of raising the coefficient (1 + interest) to the power of the number of outstanding instalments in the transaction multiplied by the interest, divided by (1 + interest) raised to the power of the outstanding payments in the transaction, minus 1, all multiplied by the capital pending repayment ('interest' is understood to be the offered NIR divided by 12). Monthly instalments for 25 years: €684.31 and a final instalment of €685.41. 4. Who will receive your data? You can get further information about how Bankinter processes your data at this In the event of early redemption, remuneration will be 0.05% nominal interest rate (0.05% APR) and the interest paid will amount to $20.25 gross. The fund’s depositary is Bankinter, S.A., located at Paseo de la Castellana 29 and registered with the CNMV under registration no 27. Forecasts, opportunities, strategies, and more. The entire process online and with all the help you need. For how long will we process your data? Pension plan and EPSV redemption simulator. Interest rate: 1,45%. In Europe the central bank has cut the reference interest rate on two occasions, to the current 0.05%, with a negative deposit rate (-0.20%) and offering strong support to the economy. Compared with the the previous quarter NII fell 2.6%. The maximum mortgage term is 15 years, provided that none of the holders is over 75 years old at the end of the term. Pension plan and EPSV redemption simulator. But somet Bankinter S.A. is a banking group organized essentially around three areas of activity: - commercial banking: sales of standard and specialized banking products and services (leasing, consumer loans, etc. - Arrangement of life insurance for an amount of 150.000,00 Euros for 30 years for a 30-year-old person. Term of loan: 25 years (300 monthly repayments). 3. Top Dividend Stocks. Total cost: 51.662,81€. up to: 0.02%. This product entails risk … Interest rate: 1,25%. What are your rights in relation to the processing of your data? Showing that Bankinter has a different business mix than most of its peers, net interest income is only responsible for about 57% of the bank's revenues, while most of its peers have a … Stock Research. pages visited). Total repayment amount €190,767.66. You may exercise your rights at any time to access, rectification, erasure, opposition, restriction of processing and portability of the data in the circumstances and scope established by the applicable legislation currently in force. Customers are responsible for ensuring the truthfulness of the data provided, and for notifying Bankinter of any modification thereof. For what purposes do we process your data? Renewal annual insurance. Economy. Arrangement fee: 500,00€. The non-performing loan ratio has decreased to 3.95%, 61 basis points less than a year ago and half the banking sector average. APR: 2,07%. Interest rates Bankinter S.A. 6,25%. What are your rights in relation to the processing of your data? - Arrangement of home insurance for €100,000 for the structure and €30.000,00 for the content, with an estimated annual premium of €328.44. 3. Please note that you also have the right to lodge a claim with the Spanish Data Protection Agency. Minimum amount of €30,000. Monthly instalments for 25 years: €589.39, and a final instalment of €589.49. Up to 80% of the value of the primary residence and 60% of the second home, using the lower of the appraisal value or the purchase value as the benchmark. Account transfer service. Offer valid until 15-06-2021 or until the amount offered (25 million euros) has been reached. The data controller is Bankinter, S.A. (hereinafter referred to as 'Bankinter') with Tax ID No. - Arrangement of life insurance for an amount of 150.000,00 Euros for 25 years for a 30-year-old person. Interest rates that are near zero limit the capacity of credit institutions to earn money by taking deposits and granting loans. Deposit. MANAGE OR REJECT COOKIES. Some Bankinter products reduce the interest rate on your mortgage. The loan amount may not exceed 80,00% of the lower of these two values: the property purchase value or appraisal value. Company. Current and historical EBIT (Earnings Before Interest & Taxes) margin for Bankinter SA (BKNIY) over the last 10 years. Data Protection PolicyLearn more. Mortgages and montly quotas are calculated in EUROS and based on the interest rates Bankinter offers to non-Spanish clients buying property in Spain. The interest rate varies depending on the term chosen: The following products are optional for the customer, but if they are not acquired the rate applied when terms and conditions are fulfilled will be increased by the percentage points corresponding to the sum of each of the products not acquired. This rate allows you to easily compare mortgages from different lenders. Arrangement fee: 500,00€. This APR has been calculated on the basis of arranging with Bankinter, or a different provider, the legally required home insurance policy for €100,000.00, with an estimated annual premium of €190.72, in addition to an annual maintenance fee of €45.00 for the current account required for payment of the instalments, an arrangement fee of €500.00 and appraisal costs of €249.56. Monthly instalments over 20 years: €710.10, and a final instalment of €711.10. Interest Rates. Total cost: 61.936,66€. Loan amount: 150.000€. Currently, the most bullish analyst values Bankinter at €10.20 per share, while the most bearish prices it at €5.55. Accordingly, if none of the conditions are met the fixed rate will be 2.75% (APR 3.06%). Salary Account, Business Account or Non-Salary Account (discount of 0.50 percentage points). These products are optional for the customer, but if they are not arranged the above rate (1.35%) will be increased by 1.30% corresponding to the sum of each of the products not arranged. Once this period has elapsed, the data will be cancelled definitively. Rates are correct as at 07/09/2020 and are subject to change. DEPOSIT ACCOUNTS 17.1. Monthly repayment for 30 years: €612.36 and a final instalment of €613.42. Income statements, balance sheets, cash flow statements and key ratios. Precious Metals. INDIVIUAL CLIENTS 17. Enter your details here and we'll contact you. The maximum mortgage term is 30 years, provided that none of the holders is over 75 years old at the end of the term. Monthly repayments. Renewal annual insurance. The nominal interest rate can be reduced by arranging a life insurance policy for â ¬30,000, with an annual premium over 8 years of â ¬38.71 for a 21-year old male, with Bankinter Seguros de Vida S.A. de Seguros y Reaseguros. - Arrangement of life insurance for an amount of 150.000,00 Euros for 20 years for a 30-year-old person. APR: 1,95%. Total interest: 14.579,63€. 28760, enclosing a copy of your national ID or any other identifying document. These products are optional for the customer, but if they are not arranged the above rate (1.45%) will be increased by 1.30% corresponding to the sum of each of the products not arranged. However, COVID-19 related provisions of more than 240 million euros in 2020 brought Bankinter's return on equity (ROE) down to 7% from 13% in 2019. Bankinter, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions of Spain. Arrangement fee: 500,00€. - A pension plan/EPSV Have a pension plan/EPSV in place with Bankinter Seguros de Vida, belonging to Bankinter, S.A. Group, for the entire mortgage term and make a minimum annual contribution to it of €600.00 (discount of 0.10 percentage points). Though net interest income, earnings on loans minus deposit costs, or NII, rose 1.3% to 311.8 million euros, it was below the 314 million euros forecast by analysts. These APRs have been calculated on the assumption that there will be no partial or total cancellation of the mortgage. Accordingly, if none of the conditions are met the fixed rate will be 2.75% (APR 3.06%). Against this backdrop, Bankinter has several key strengths: a brand image that is synonymous with innovation and excellence in customer service; qualified and committed employees; and a strict risk culture to which the institution owes its robust health. Feb, 2018. Total amount repayable: 173.202,18. Maximum term of 30 years. ), project financing services, etc. Compliance with discounts will be reviewed annually. In turn, the low interest rate environment policy obliges companies to look for new revenue sources to maintain profitability margins. Where can I obtain further information about data processing? Term of loan: 20 years (240 monthly repayments). For how long will we process your data? Accordingly, if none of the conditions are met the fixed rate will be 2.55% (APR 2.96%). The legal information about the IIC will take precedence in the event of any discrepancy between it and the information set out in this document. For individuals residing in Spain (for non-residents, consult us for conditions) whose total income is over €2,000/month. The APRs have been calculated based on the credit facility remaining in place for the agreed term and the borrower and the lender fulfilling their obligations under the terms and conditions of the mortgage agreement. Term of loan: 15 years (180 monthly repayments). Energy. Annual premium of €164.29. These APRs may vary depending on the transaction amount and term. Total interest: 70.450,66€. Monthly instalments over 20 years: €802.18 and a final instalment of €802.83. They do not include the costs which the customer/borrower would have to pay for the breach of any of the obligations in the agreement. Arrangement fee: 500,00€. See Total cost: 47.987,81€. Total amount repayable: 211.936,66. Terms and conditions of the Fixed-Rate Mortgage. The loan amount may not exceed 80,00% of the lower of these two values: the property purchase value or appraisal value. Spain Interest Rates. Bankinter was established in 1965 initially as a 50/50 partnership between Santander and Bank of America. 2. Life insurance covering 100% of the mortgage amount, taken out with Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros (discount of 0.60 percentage points). 5. Bankinter lowers the interest of its ten-year fixed-rate mortgage to 1.75% 18/04/2016 Total cost: 34.954,56€. Total repayment amount €201,662.81. Calle Pico San Pedro, 1. Commodities. According to the National Statistics Institute (INE), at the end of February 58.7% of mortgages were at a variable rate and 41.3% at a fixed rate. Indeed, the positioning of the fixed income ALCO portfolio and the balance sheet hedges mitigated the adverse effect of the Euribor interest rates, to which the majority of … The bank's interest rate risk was also monitored and managed, and it was maintained at acceptable levels. 30-Year-Old person where can I obtain further information about how Bankinter processes data... And key ratios condition that the borrowers have a total income of over a!: €612.36 and a final instalment of €1,417.68 % of the Deposit Fund! You accept our updatedTerms of Use, data Protection Policy and our of... 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Valid until 15-06-2021 or until the total amount offered ( 25 million euros ) has been...., if none of the conditions are met the fixed rate will be no partial or total cancellation bankinter interest rates., as is reflected by four consecutive quarters of year-on-year growth in GDP we not only simplify the steps guide. Guaranteed by this Fund is 100,000 euros per depositor Bankinter has also reduced the 15-year and 20-year mixed-rate by! Amount and term each individual loan least risk and 6/6 the greatest risk €1,003.72 and a final instalment €685.41... Of €685.41 to earn money by taking deposits and granting loans your choice by clicking on or. Flow statements and annual report data for Bankinter SA as of March 31, 2020 is S.A. ' with,! 3.25 % during the first year of the conditions are met the fixed rate will cancelled... Any modification thereof or until the total amount offered ( 25 million euros ) has been reached for information €1,417.68! 'Ll contact you this security some Bankinter products reduce the interest rate environment obliges! Us for conditions ) whose total income of over €2,000 a month Non-Salary. The same instalment today, tomorrow and in 20 years ( 240 monthly repayments ) product risk where... Controller is Bankinter, S.A. ' with fundamentals, valuation ratios, and values about profitability, financial strength efficiency. Rate environment Policy obliges companies to look for new revenue sources to maintain profitability margins key ratios statements and ratios...