2023-08-02 09:04:35
Being a civil servant has many advantages, starting with job stability and security, as well as excellent conciliation conditions, which means that there are always thousands of people trying to get different places in all kinds of oppositions. We tell you what is the mortgage for civil servants which is a bargain thanks to its unbeatable conditions… you will not find another like it!
The mortgage for civil servants is a bargain
Los benefits of being a civil servant They go far beyond the workplace, since in many other sectors you can achieve different things more easily, for example when it comes to obtaining financing to buy a house or a car. The security that being an official has is a guarantee for banking entities, which is why they fully trust this type of worker.
When applying for a mortgage The first thing the bank looks at is economic stability, and in the case of civil servants it is a fixed monthly income for life, since something very serious would have to be done to lose the job. It is for this reason that banks offer exclusive products for officials, including mortgages.
There are many advantages of contracting a mortgage for civil servantsthe most interesting:
More attractive interest rates. Less commissions. Less bonding. Longer return terms. More financing. Initial bonus. High probability of award.
One of the most beneficial mortgages for officials is that of BBVA, one of the most publicized, since not all banks do so with this type of mortgage. The mortgage for BBVA employees is for mutual members of MUFACE, MUGEJU and ISFAS, a mortgage addressed to MUFACE mutualistsmutual of which the vast majority of civil servants are part.
This mortgage offers an interest rate of Euribor 12 months + 0.79% if the payroll is domiciled, with a TIN of 3.023%. The mortgage covers up to 80% of the appraisal value or the sale value, if lower, with a maximum repayment period of 30 years. In addition, the member will receive a bonus of €860 in his account at the time of formalizing the loan.
Banco Santander also offers special mortgages for civil servants or labor personnel of the Public Administrations, both central and regional or local.
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