Mortgages, the best offers of January 2018
Which mortgage is good to light? A few days before the start of 2018, aspiring borrowers are questioning the fateful question: what will be the best offer on the market for next year?
The prerequisite for saving money is to compare the various proposals. January opens with news: UBI, Credem, BNL and Cariparma have made some adjustments to lower rates.
To get an idea of ??the best January offers in more detail, let's see which banks offer the most convenient conditions. Here are two purchase simulations realized for AdnKronos from MutuiSupermarket.it:
Simulation for a variable rate mortgage- Mutual purchase, 20-year variable rate for an amount of 140,000 euros on a property value of 280,000 euros, requested by a 34-year-old resident in Rome.
Among the institutions offering the most advantageous mortgages are the first 5 Credem positions (branch inquiry, 3-month Euribor index, 0.80% spread, 0,47% TAN, 611.05 € installment, 0.78% APR), What a bank! (in-branch inquiries, 3-month Euribor index, 1.03% spread, 0.70% TAN, 625.04 € installment, 0.82% APR), Banca Sella (branch inquiry, 3-month Euribor index, Spread 1, 00%; TAN 0.67%; installment 623.21 €; TAEG 0.83%), Hello Bank! (online inquiry, 1 month Euribor index, 1,10% spread, 0,93% TAN, 627,19 € installment, 0.84% ??APR), IW Bank (online inquiry, 1 month Euribor index, 1,10% spread , TAN 0.80%, installment 631.44 €, TAEG 0.90%).
This is followed by BNL (preliminary investigation at the branch, Euribor index 1 month, Spread at 1.10%, TAN 0.73%, installment 627.19 €, APR 0.90%); Webank (online inquiry, 3 month Euribor index, 0.90% spread, 0.90% TAN, 637.63 € installment, 0.93% APR); UBI Banca (preliminary investigation at the branch, 1 month Euribor index, 1,10% spread, TAN 0,80%, installment 631,44 €, TAEG 0,94%); Intesa Sanpaolo (preliminary investigation at the branch, 1 month Euribor index, 1.15% spread, 0.78% TAN, 630.27 € installment, 0.94% APR); Crédit Agricole - Cariparma (preliminary investigation at the branch, 3-month Euribor index, 1.78% spread, 0.85% TAN, 634.59 € installment, 0.94% APR).
Simulation for a fixed rate mortgage- Mortgage purchase, fixed rate at 20 years for an amount of 140,000 euros on a property value of 280,000 euros, required by a 34-year-old resident in Rome.
In this case the 5 best offers are those of IWBank (online inquiry, TAN 1.65%, installment € 685.26, APR 1.76%), Hello Bank (online inquiry, TAN 1.65%, installment 685.26 €; APR 1.77%), Intesa Sanpaolo (investigation at the branch, TAN 1.60%, installment € 682.02, APR 1.78%), Crédit agricole - Cariparma (investigation at the branch, TAN 1.68%; installment € 687.22, APR 1.78%), BNL (investigation at the branch, TAN 1.65%, installment € 685.26, APR 1.83%).
This is followed by Credem (branch inquiry, TAN 1.56%, installment 679.43 €, APA 1.89%); Banca Sella (investigation at the branch, TAN 1.80%, installment € 695.05, TAEG 1.98%); Webank (online inquiry, 1,99% TAN, 704,27 € installment, 1,99% APR); UBI Banca (investigation at the branch, TAN 1.85%, installment € 698.33, TAEG 2.03%); Deutsche Bank (investigation at the branch, TAN 1.99%, installment € 707.57, APR 2.14%).
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