With bonus¹
APR in first half-year of 3.30 % and
subsequently as from 3.20 %
AER of 4.05 %
Front-end fee of 0.15 %
Take care of your wallet and the environment
A competitive loan intended for homes with an A or B energy efficiency certificate.
Fixed or Variable Rate
Choose whether you prefer to pay the same mortgage repayment each month or one that varies depending on the Euribor rate.
30-year term
You can repay it in a maximum term of up to 30 years in the case of main residences or 25 years in the case of second homes.
Financing of up to 80%
You can finance up to 80% of your main residence and up to 70% of a second home. The amount to be financed will be the lower between the purchase price and the appraisal value.
With bonus¹
APR in first half-year of 3.30 % and
subsequently as from 3.20 %
AER of 4.05 %
Front-end fee of 0.15 %
Without bonus²
APR in first half-year of 3.30 % and
subsequently as from 4.35 %
AER of 4.49 %
Front-end fee of 0.15 %
With bonus³
APR in first half-year of 2.20 % and
subsequently as from the Euribor rate + 0.70 %
AER of 3.96 %
Front-end fee of 0.15 %
Without bonus⁴
APR in first half-year of 2.20 % and
subsequently as from the Euribor rate + 1.85 %
Variable AER of 4.34 %
Front-end fee of 0.15 %
The APR shown here is indicative and has been calculated by taking the rate of more than 50% of the applications received at Unicaja.
Here you can find the information you need to take out a loan for the purchase of a home.
Here you have access to general information on measures to strengthen the protection of mortgagors
The Oxygen Mortgage is solely meant for the purchase of homes having an A or B energy efficiency certificate and is intended for natural persons who reside in Spain and have income or assets in euros. It is necessary to subscribe a current account at Unicaja, as well as an indemnity insurance policy that covers any possible contingencies the home may suffer. Granting is subject to the institution's criteria after having conducted a risk viability study.
You can apply for an Oxygen Mortgage provided that the sum of its term and the oldest mortgage holder's age does not exceed 75 years in the case of main residences or 70 years in the case of second homes.
Pre-contractual information fixed rate mortgage
Pre-contractual information variable rate mortgage
Change data in the form
If there are any errors in the data you have entered or you need to make changes to them, you can cancel the application and initiate a new one. When the manager gets in touch with you to process your application, you can also inform them about which data you wish to change and we will do it for you.
* The Oxygen Mortgage is solely intended for customers who have submitted to Unicaja an energy efficiency certificate issued by a competent technician for the purposes set forth in Royal Decree 390/2021 of 1 June approving the basic procedure for the certification of buildings' energy efficiency, thereby proving that the home(s) to be mortgaged have an "A" or "B" energy efficiency rating as regards the two main or overall energy efficiency indicators; in other words, regarding (i) annual CO2 emissions and (ii) annual non-renewable primary energy consumption according to the official energy label in force issued by the competent public administration.
Typical example of a fixed-rate Oxygen Mortgage
The Oxygen Mortgage is solely intended for customers who have submitted to Unicaja an energy efficiency certificate issued by a competent technician for the purposes set forth in Royal Decree 390/2021 of 1 June approving the basic procedure for the certification of buildings' energy efficiency, thereby proving that the home(s) to be mortgaged have an "A" or "B" energy efficiency rating as regards the two main or overall energy efficiency indicators; in other words, regarding (i) annual CO2 emissions and (ii) annual non-renewable primary energy consumption according to the official energy label in force issued by the competent public administration.
AER (Annual Equivalent Rate), total cost of the mortgage loan and full amount owed by the mortgagee based on a typical example of a loan amounting to €150,000.00 having a front-end fee of 0.15% and a repayment term of 25 years through the payment of 300 constant monthly principal and interest repayments at the interest rate indicated below:
25-YEAR FIXED-RATE MORTGAGE
(1) Meeting all the requirements to obtain the maximum interest rate bonus:
AER with maximum bonus: 4.05 % (5)
Example of products selected by Unicaja which can be jointly subscribed to obtain the bonified interest rate (APR) that has been used to calculate the AER with the maximum bonus: Salary deposited directly into account as from €600 and below €2,500 per month. Credit card consumption of at least €600, calculated in the 6 months prior to the date of each half-yearly review of the interest rate subsidies. Three directly debited basic bills. Protection Home Insurance. Life insurance associated to the loan. Minimum contribution to a Pension Plan of 0.6% of the capital outstanding in the 6 months prior to each half-yearly review date of the interest rate subsidies.
The fulfilment of requirements will be checked as of the second half-year of the loan's term and thereafter at successive half-yearly reviews.
Annual expenses charged to the customer in the example used while meeting all the requirements: Protection Home Insurance(6): €209.99. Life Insurance(6): €298.00. Contribution of 0.6% of the outstanding principal to a pension plan having one or several holders (maximum of €1,500 per plan holder) and a management and depositary fee of €19.79. Credit card maintenance fee: €49.00. Demand account maintenance fee: €120.00 per year. Valuation: €372.00. Front-end fee: €225 (the latter two are one-off expenses paid at the time the mortgage is taken out).
(2) Without meeting requirements (interest rate without bonus):
AER without bonus: 4.49 % (5)
Repayment amount calculation formula: The instalments must include capital and interest, and they shall be presented as a constant amount, until the interest rate is reviewed.
The French amortization method has been used to calculate the capital instalments, an amortization system in constant instalments in which a larger amount of interest than capital is early in the first years and in the last years more capital than interest is paid.
The formula to calculate the amount of the instalments is as follows:
The values the formula uses have the following meaning:
R: monthly instalment payable
C: nominal amount of the loan, principal (in the case of not fulfilling the requisites, it will be the capital pending repayment at each moment).
n: number of instalments. As of the interest review, they will be calculated on the part pending.
r: multiplication index (∏)
s: summation index (∑).
pr: days of interest accrual per interest liquidation period from calculation of the instalment (the values 28, 29, 30 or 31 may be taken depending on the month).
i: nominal annual interest rate applicable to the period of interest concerned, expressed as per unit.
The applicable formula to calculate the interest of this loan shall be the following: Capital pending multiplied by the N.I.R. (by per unit amounts) and time, divided by 365. In this formula, the capital is considered to be the balance of capital; the N.I.R., the annual interest rate; and the time, the number of calendar days depending on the month calculated (28, 29, 30 or 31).
The amortization of the principal shall be equal to the instalment minus the interest.
(5) The AER indicated above has been calculated on 04/12/2024 using the APR and costs set out above, which are charged to the customer, assuming that no early partial or total redemption is made throughout the loan's entire duration. Monthly principal and interest repayments.
The APR shown here is indicative and has been calculated by taking the rate of more than 50% of the applications received at Unicaja.
Due to the fact that the account is subject to fixed maintenance fees and, where appropriate, the credit card, the AER may vary according to the amount and term granted. The holders' age plus the loan's term may not exceed 75 years for a main residence or 70 years for a second residence. In the event of early repayment or redemption, either partial or full, of the loan during the first ten years of the loan agreement's term or from the day on which the fixed interest rate applies, a compensation in favour of the lender may be set, which may not exceed the amount of the financial loss the lender may suffer, with a limit of 2% of the principal repaid early.
Amount from 50,000 euros and term from 8 years.
In the event of early repayment or redemption, either partial or full, of the loan from the end of the aforementioned period until the end of the loan's term, a compensation in favour of the lender has been set, which may not exceed the amount of the financial loss the lender may suffer, with a limit of 1.5% of the principal repaid early.
(6) Annual Protection Home Insurance premium calculated for an empty flat measuring 90 m2 whose structure is valued at €72,000.00. Annual premium of the life insurance associated to the loan calculated for a 30-year-old person. These insurance policies can be taken out with the insurance company chosen by the customer. Nonetheless, both kinds of insurance must be taken out with the intermediation of Unicaja to be able to take advantage of a bonified interest rate while meeting requirements. The insurance premiums will be updated annually in accordance with the specific terms and conditions of the policy.
(7) Annual premium of indemnity insurance (fire and third-party liability insurance) calculated for an empty flat of 90 m2 whose structure is valued at €72,000.00. This insurance may be taken out with the company of your choice.
The borrower will be liable to Unicaja Banco, S.A. for the loan's repayment, not only with their home but also with all their current and future assets. You may lose your home if you fail to make your repayments promptly. Should a guarantor(s) be involved in the loan, the guarantor(s) will also be liable with all their present and future assets.
Granting of our mortgages is subject to the institution's criteria.
Typical example of a variable-rate Oxygen Mortgage
The Oxygen Mortgage is solely intended for customers who have submitted to Unicaja an energy efficiency certificate issued by a competent technician for the purposes set forth in Royal Decree 390/2021 of 1 June approving the basic procedure for the certification of buildings' energy efficiency, thereby proving that the home(s) to be mortgaged have an "A" or "B" energy efficiency rating as regards the two main or overall energy efficiency indicators; in other words, regarding (i) annual CO2 emissions and (ii) annual non-renewable primary energy consumption according to the official energy label in force issued by the competent public administration.
Variable AER (Annual Equivalent Rate), total cost of the mortgage loan and full amount owed by the mortgagee based on a typical example of a loan amounting to €150,000.00 having a front-end fee of 0.15% and a repayment term of 25 years through the payment of 300 constant monthly principal and interest repayments at the interest rate indicated below:
25-YEAR VARIABLE-RATE MORTGAGE
(3) Meeting all the requirements to obtain the maximum interest rate bonus:
Variable AER with maximum bonus: 3.96% (5).
This variable AER has been calculated pursuant to the provisions set forth in Act 5/2019 of 15 March governing real estate credit agreements.
Example of products selected by Unicaja which can be jointly subscribed to obtain the bonified interest rate (APR) that has been used to calculate the variable AER with the maximum bonus: Salary deposited directly into account as from €600 and below €2,500 per month. Credit card consumption for an amount of at least €1,200 calculated in the 6 months prior to the first bonus review and subsequently during the 12 months prior to the date of each interest rate bonus review. Three directly debited basic bills. Protection Home Insurance. Life insurance associated to the loan. Minimum contribution to a pension plan of 1.2% of the outstanding principal in the 12 months prior to the date of the first bonus review and subsequently during the 12 months prior to the date of each interest rate bonus review.
The fulfilment of requirements will be checked as of the first year of the loan's term and thereafter at successive annual reviews.
(4) Without meeting requirements (interest rate without bonus):
Variable AER without bonus: 4.34% (5).
This variable AER has been calculated pursuant to the provisions set forth in Act 5/2019 of 15 March governing real estate credit agreements.
Repayment amount calculation formula: The instalments must include capital and interest, and they shall be presented as a constant amount, until the interest rate is reviewed.
The French amortization method has been used to calculate the capital instalments , an amortization system in constant instalments in which a larger amount of interest than capital is early in the first years and in the last years more capital than interest is paid. The formula to calculate the amount of the instalments is as follows:
The values the formula uses have the following meaning:
R: monthly instalment payable
C: nominal amount of the loan, principal (in the case of not fulfilling the requisites, it will be the capital pending repayment at each moment).
n: number of instalments. As of the interest review, they will be calculated on the part pending.
r: multiplication index (∏)
s: summation index (∑).
pr: days of interest accrual per interest liquidation period from calculation of the instalment (the values 28, 29, 30 or 31 may be taken depending on the month).
i: nominal annual interest rate applicable to the period of interest concerned, expressed as per unit.
The applicable formula to calculate the interest of this loan shall be the following: Capital pending multiplied by the N.I.R. (by per unit amounts) and time, divided by 365. In this formula, the capital is considered to be the balance of capital; the N.I.R., the annual interest rate; and the time, the number of calendar days depending on the month calculated (28, 29, 30 or 31).
The amortization of the principal shall be equal to the instalment minus the interest.
(5) The Variable AER indicated was calculated on 04/12/2024 using the APR and costs indicated that are charged to the customer, considering that no early repayments, either partial or full, are made throughout the entire term of the loan and assuming that the reference rate does not vary. It will therefore vary with the interest rate reviews. Monthly principal and interest repayments.
The APR shown here is indicative and has been calculated by taking the rate of more than 50% of the applications received at Unicaja.
Due to the fact that the account is subject to fixed maintenance fees and, where appropriate, the credit card, the variable AER may vary according to the amount and term granted. The holders' age plus the loan's term may not exceed 75 years for a main residence or 70 years for a second residence.
In the event of early repayment or redemption, either partial or full, of the loan during the first three years of the loan agreement's term, a compensation or fee in favour of the lender may be set, which may not exceed the amount of the financial loss the lender may suffer, with a limit of 0.25% of the principal repaid early. Notwithstanding the above, no compensation or fees arising from early repayment or redemption, either partial or full, will be due until 31 December 2024.
(6) Annual Protection Home Insurance premium calculated for an empty flat measuring 90 m2 whose structure is valued at €72,000.00. Annual premium of the life insurance associated to the loan calculated for a 30-year-old person. These insurance policies can be taken out with the insurance company chosen by the customer. Nonetheless, both kinds of insurance must be taken out with the intermediation of Unicaja to be able to take advantage of a bonified interest rate while meeting requirements. The insurance premiums will be updated annually in accordance with the specific terms and conditions of the policy.
(7) Annual premium of indemnity insurance (fire and third-party liability insurance) calculated for an empty flat of 90 m2 whose structure is valued at €72,000.00. This insurance may be taken out with the company of your choice.
The borrower will be liable to Unicaja Banco, S.A. for the loan's repayment, not only with their home but also with all their current and future assets. You may lose your home if you fail to make your repayments promptly. Should a guarantor(s) be involved in the loan, the guarantor(s) will also be liable with all their present and future assets.
Granting of our mortgages is subject to the institution's criteria.
(**) Insurance taken out with Unicorp Vida (life, risk or accident insurance), Caser (car, health, dental, home, payment protection or pet insurance) and/or Santalucía (funeral insurance) through Unimediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.
INFORMATIVE POSTER FOR THE IDEP ON MORTGAGE LOANS ON A HOME TO BE FORMALISED OR THAT ARE ENTERED INTO IN ANDALUCIA
The consumer and user who wishes to take out a mortgage loan on a home has the right to be provided with an index of mandatory delivery documents, which lists all the documents that have to be provided until the loan contract is duly signed.
Law 3/2016, published in the BOJA (Official Gazette of the Government of Andalusia) of June 9 2016, for the protection of the rights of consumers and users when taking out loans and mortgages on housing
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