Year 2023 can be important for housing: A drop in sales is expected, although there is no drop in prices for the time being.
Inflation and rise in interest rates are two such factors which are going to reduce the home buying intent, but due to lack of supply, the prices will remain high.
So, if you want to buy a house in 2023, you must study all the details carefully. is one of the aspects that can help you the most Find a bank that offers 100% mortgages.
People who want to buy a home ask themselves these questions: Which banks give 100% of the mortgage? And it’s not for less, as financing it is nearly impossible.
In a scenario where the rise in interest rates will continue to play a major role, the best thing to do is to try and reach out to the best offers from banks.
The problem is that you need to have a sufficient solvency profile to qualify for a 100% mortgage. Namely, having a stable job that brings a good income (for example, a top-ranking official), not having debts or having any guarantees.
next, Banks offering 100% mortgages in 2023 are shown:
Which banks give 100% mortgage in 2023
Most banks do not offer mortgages above 80%, reaching 90% or higher depending on how attractive your profile is.
In helpmycash have collected Banks that offer mortgages up to 95%, although they can be 100% if you have enough negotiating power and solvency. They are the following:
- Ibercaja to Vamos Joven Fixed Mortgage: The fee is between 560 and 609 euros, depending on whether it is subsidized or not.
- Santander Fixed Youth Mortgage: The fee ranges between 566 and 622 Euros.
- Mortgage Vamos Jovan Variables from Ibercaja: The fee ranges between 340 and 382 Euros.
- Kutxabank youth mortgage: The fee ranges between 337 and 376 Euros.
- Santander Youth Variable Mortgage: The fee is between 360 and 410 Euros.
The fee is calculated on the basis of 100,000 Euros over 20 yearsIf your circumstances are different, you will have to adapt to them.
Apart from these examples, helpmycash shed light on Abanca offers 100% mortgage in 2023However as always it is essential that your profile is very solvent.
Another option for accessing this offer is to apply for a mortgage as a couple, especially if both of you are in a comfortable financial position.
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A final option is to acquire the flats from the banks. This makes it easier for them to finance the purchase 100%, as companies want to sell these properties as quickly as possible.
The banks offering 100% in these cases are Bankinter and Deutsche BankHowever in others like Santander you will opt for 90% financing.