For the purchase of a primary residence or a second home, the duration ranges from 5 up to 30 years. The interest rate may be variable (ideal for those who want to benefit from market trends and have the possibility to repay the loan before maturity), or fixed, ideal for employees (with constant income over time), whose installments do not change over time.

However, today there are variable-rate mortgages with fixed installments, where the duration of the loan changes. This type of mortgage is ideal for those who want to benefit from market advantages but do not want an increase in the monthly payment (it could be defined as a “rent-style mortgage”). The mortgage amount granted is normally equal to 80% of the property value.

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