{"id":12699,"date":"2023-06-07T08:50:15","date_gmt":"2023-06-07T07:50:15","guid":{"rendered":"https:\/\/futurfinances.com\/hipoteca-para-funcionarios\/"},"modified":"2023-06-07T16:15:07","modified_gmt":"2023-06-07T15:15:07","slug":"mortgage-for-public-servants","status":"publish","type":"page","link":"https:\/\/futurfinances.com\/en\/mortgage-for-public-servants\/","title":{"rendered":"Mortgages for Public Servants"},"content":{"rendered":"<div id='layer_slider_1'  class='avia-layerslider main_color avia-shadow  avia-builder-el-0  el_before_av_textblock  avia-builder-el-first  container_wrap sidebar_right'  style='height: 601px; max-width: 1594px; margin: 0 auto;'  ><\/div><div id='after_layer_slider_1'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-12699'><div class='entry-content-wrapper clearfix'>\n<section  class='av_textblock_section av-3478g7-64fd12d7075d0a1dd0179692b44fd5b9 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: justify;\">If you are looking for the best mortgage for public servants, you have reached the article you were looking for. In addition to recommending you fill out our <a href=\"https:\/\/futurfinances.com\/en\/here-is-the-best-mortgage-do-not-pay-anything-more\/\" target=\"_blank\" rel=\"noopener\">mortgage form<\/a>, without obligation, so that a mortgage broker specialized in mortgages for public servants throughout Spain analyses your case in a personalized way, reading the following analysis on mortgages for public servants, made by our economist and financial expert <a href=\"https:\/\/paumonserrat.com\/en\" target=\"_blank\" rel=\"noopener\">Pau A. Monserrat<\/a>, will be of the utmost use to you.<\/p>\n<div  class='av_promobox av-34ru6i-66a5cde92c4cda7313e7a349a74b85e5 avia-button-yes  avia-builder-el-2  avia-builder-el-no-sibling '><div class='avia-promocontent'><p>\nContact <strong>mortgage broker<\/strong><\/p>\n<\/div><div  class='avia-button-wrap av-34ru6i-19f1ae9cd9559ef3be7762e6532e02b6-wrap avia-button-right '><a href='https:\/\/futurfinances.com\/en\/here-is-the-best-mortgage-do-not-pay-anything-more\/'  class='avia-button av-34ru6i-19f1ae9cd9559ef3be7762e6532e02b6 av-link-btn avia-icon_select-no avia-size-medium avia-position-right avia-color-blue'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"&lt;strong&gt;Contact&lt;\/strong&gt;\"><span class='avia_iconbox_title' ><strong>Contact<\/strong><\/span><\/a><\/div><\/div>\n<h2>The best mortgage for public servants<\/h2>\n<p style=\"text-align: justify;\">The first question that any official looking to take out a competitive mortgage should ask himself, when he comes to this analysis article, is why is it worthwhile for the mortgage brokers selected by the portal to manage their loan, instead of going directly to their bank? . After all, brokers charge a fee if they get the mortgage and our bank doesn&#8217;t, right?<\/p>\n<p style=\"text-align: justify;\">No it&#8217;s not true. Our mortgage brokers charge fees if they get the banks they work with to approve a customer mortgage, certainly. But only if the conditions of this mortgage are those that the official considers best. If you do not want to sign, there are no fees. On the other hand, although the banks do not directly charge us fees, they charge commissions, interests and costs of associated products that end up being more expensive than the fees of a competitive broker.<\/p>\n<p><iframe id=\"datawrapper-chart-jnKqv\" style=\"width: 0; min-width: 100% !important; border: none;\" title=\"Mejores condiciones hipotecarias\" src=\"https:\/\/datawrapper.dwcdn.net\/jnKqv\/9\/\" height=\"372\" frameborder=\"0\" scrolling=\"no\" aria-label=\"Tabla\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r<e.length;r++)if(e&#091;r&#093;.contentWindow===a.source){var i=a.data&#091;\"datawrapper-height\"&#093;&#091;t&#093;+\"px\";e&#091;r&#093;.style.height=i}}}))}();\n<\/script><\/p>\n<p style=\"text-align: justify;\">Second, transacting a civil servant mortgage with us means having access to the most serious and professional mortgage professionals in the country, selected by Futur Finances' team of lawyers and economists. The regulations applicable to real estate credit intermediaries that manage mortgages for individuals who finance a property for residential use is Law 5\/2019, which can be seen summarized on our blog. Futur Finances only accepts collaborators who comply with the letter and spirit of these regulations.<\/p>\n<p style=\"text-align: justify;\">Finally, the collaborators of this portal know the mortgage market perfectly and handle a high volume of mortgage operations, which allows them to offer a mortgage for public servants better than what any official without this knowledge can obtain by going directly to financial institutions. Also, without having to spend time and headaches: we offer you a <strong>\"turnkey\" mortgage for civil servants<\/strong>.<\/p>\n<h2>ARE MORTGAGES CHEAPER FOR PUBLIC SERVANTS?<\/h2>\n<p style=\"text-align: justify;\">So is. As a general rule, banking gives career public servant better consideration than indefinite or self-employed. The reason is quite simple: the job stability of an official is practically absolute. And having assured periodic income is an excellent bank cover letter.<\/p>\n<p style=\"text-align: justify;\">However, being a civil servant by yourself does not guarantee getting the best mortgage. The particular profile of each influences the granting of the mortgage. The savings that we contribute, the previous indebtedness, having or not having properties in addition to the property that we want to buy, if it is bought with another official or with a holder with other types of contracts influence the risk analysis that banks do.<\/p>\n<p style=\"text-align: justify;\">The collaborators of Futur Finances know how to better approach a mortgage file to maximize the possibilities of obtaining a mortgage with the best interest conditions and possible commissions, in addition to the least possible link (insurance and other products).<\/p>\n<h2>OUR MORTGAGE FOR PUBLIC SERVANTS 100%<\/h2>\n<p style=\"text-align: justify;\">If you are a public official (both from the General State Administration, Autonomous Communities or Town Halls), we can offer you a mortgage loan that finances up to <strong>100%<\/strong> of the purchase price and even more (according to bank conditions at all times). After Law 5\/2019, the banks assume the expenses related to the mortgage, but as of April 2020, the official must provide savings to cover the expenses of the sale.<\/p>\n<p>As soon as we have agreements to finance 100% plus the expenses of the sale, we will update conditions.<\/p>\n<h2>MORTGAGE CONDITIONS FOR PUBLIC SERVANTS<\/h2>\n<p><strong>As of January 2020<\/strong>, the financial conditions of the official mortgage that our banks offer to our clients are as follows:<\/p>\n<ul>\n<li>Repayment term: up to 30 years at a fixed rate and 40 at a variable rate<\/li>\n<li>At a variable rate: from <strong>euribor + 0.75%<\/strong>.<\/li>\n<li>At a fixed rate: from <strong>1.15%<\/strong> nominal.<\/li>\n<\/ul>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<\/div>\n<\/div>\n<\/div>\n<p><!-- close content main div --><\/div>\n<\/div>\n<div id='layer_slider_2'  class='avia-layerslider main_color avia-shadow  container_wrap sidebar_right'  style='height: 601px; max-width: 1594px; margin: 0 auto;'  ><\/div>\n<section  class='av_textblock_section av-3478g7-64fd12d7075d0a1dd0179692b44fd5b9 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >\n<div class='avia_textblock'  itemprop=\"text\" >\n<p style=\"text-align: justify;\">If you are looking for the best mortgage for public servants, you have reached the article you were looking for. In addition to recommending you fill out our <a href=\"https:\/\/futurfinances.com\/en\/here-is-the-best-mortgage-do-not-pay-anything-more\/\" target=\"_blank\" rel=\"noopener\">mortgage form<\/a>, without obligation, so that a mortgage broker specialized in mortgages for public servants throughout Spain analyses your case in a personalized way, reading the following analysis on mortgages for public servants, made by our economist and financial expert <a href=\"https:\/\/paumonserrat.com\/en\" target=\"_blank\" rel=\"noopener\">Pau A. Monserrat<\/a>, will be of the utmost use to you.<\/p>\n","protected":false},"author":2,"featured_media":12046,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12699","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The best mortgage for public servants in Spain: contact with us!<\/title>\n<meta name=\"description\" content=\"If you are looking for the best mortgage for public servants, you have reached the article you were looking for. 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