New Strategies to Attract Customers
In a constantly changing financial environment, banking institutions seek to innovate to gain the trust of users. In particular, CaixaBank has ventured to create a new mortgage loan model that challenges the traditional offerings of competitors such as Banco Santander and BBVA.
Features that distinguish the CasaFàcil mortgage
The CasaFàcil Fixed Mortgage stands out mainly for its payment structure, which offers a fixed monthly fee. This provides clients with great reassurance in their financial planning, as they know exactly how much they will have to pay each month, thus avoiding the instabilities that variable rate mortgages can entail.
Absence of Commissions
Another notable aspect is the lack of opening and study fees. This approach makes CasaFàcil a convincing alternative to mortgages that do involve additional costs, which often increase the overall debt of the applicant.
Additional Benefits for Customers
CaixaBank not only covers the costs of processing the mortgage, but also provides the possibility of reducing monthly contributions through bonuses related to other financial products of the institution. This allows customers some leeway to adjust their finances.
Flexibility in Debt Terms
The mortgage offered by CaixaBank allows you to choose between several repayment periods, with options of 15, 20 or 30 years. This customization ensures that each customer can select the plan that best suits their particular needs and circumstances.
Specific Conditions of the Mortgage
In terms of interest rates, each term has a rate structure that varies according to the bonuses available. For example, for a 15-year loan, with bonus, the nominal interest rate (TIN) is set at 2.85%; while without bonus, the TIN increases to 3.85%.
Comparison with the Competition
CaixaBank’s offer, with its clear and transparent advantages, is positioned competitively against the options of Banco Santander and BBVA. The inclusion of bonuses and the absence of commissions increase the appeal of the CasaFàcil mortgage, thus allowing CaixaBank to consolidate itself as one of the market’s favourites.