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Savings and investment

What do NIR and APR mean?

NIR and APR are terms defined by the Bank of Spain:

NIR (Nominal Interest Rate): this is the interest rate you have to pay to the bank on a regular basis in your monthly instalment because you have taken out a mortgage loan, not including additional costs such as other services and fees.
APR (Annualised Percentage Rate): this is the actual annual cost as it includes all additional expenses borne by the mortgage holder.

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