Up to €150 for depositing your paycheck?
Whoever you are, we are your bank

Are you a young
person in Andalusia?
We'll help you with your mortgage

Download the app

In collaboration with
Junta de Andalucía

If you're between 18 and 35, get 90% financing for your imaginBank mortgage* thanks to the Junta de Andalucía.

Applying for your mortgage is easy

Apply for your mortgage from the app and get help from an adviser if you need it.

Discounted mortgage 1

3.30%
NIR

3.777%
AER

Non-discounted Mortgage 2

4.05%
NIR

4.540%
AER

Financing up to 90 %

90%

Of the purchase price or appraised value, whichever is lower.

I'm interested!

Fixed-rate and no surprises

The same amount each month.

Discounted mortgage

You need to direct deposit your salary.

NIR: 3,30% FIXED
AER: 3,777% 1

Direct deposit your salary with us
and always pay the same:

€734.94 a month 1

Non-discounted mortgage

Without having your salary paid
into your account.

NIR: 4,05% FIXED
AER: 4,540% 2

Without having to direct deposit your salary,
always pay the same:

€795.90 a month 2

Housing assistance
requirements in Andalusia

You are of legal age and no older than 35.

You can legally prove your continuous or uninterrupted residence in the Community of Andalusia.

This is your first home purchase.

The property is in the Community of Andalusia.

It will be your primary and permanent residence for at least 2 years.

The purchase price, without the expenses and taxes inherent to the purchase, does not exceed €295.240.*

*The price can be increased by 20% if the home's energy efficiency rating is A or B, up to 354,288 euros as per the applicable regulations.

Our imaginBank mortgage

Fixed rate

Pay the same amount for the duration of the mortgage.

Enjoy a discounted mortgage

Get the imaginBank discounted mortgage by direct depositing your salary, it's that easy!

We will refund
the valuation fee

If you take out an imagin
mortgage, we will refund
the cost of the valuation.

Contact a specialist

Steps to apply for a mortgage

Learn more about our mortgage. We'll contact you!

Fill in our form from the app so that we can give you a personalised calculation.

Documentation

Once you know which mortgage suits you best, you will need to prepare the necessary documentation:

Appraisal and signature

When we approve the study, we will appraise the property. You must then choose a notary for an interview and schedule a date for signing.

FAQs

A discounted mortgage is, simply put, a discounted interest rate given to the customer when he/she takes out a series of associated services or products from the bank. At Imagin, we only require you to direct deposit your salary with us to give you a discounted mortgage.

Your monthly payment should not exceed 40% of your total income.

Once you have sent your mortgage assessment request, we will need you to send us a number of documents to carry out the evaluation. The documentation required will vary depending on your employment situation. As it is a mortgage, you must also provide information on the status of the property.

Salaried employee

  • Tax ID.
  • Proof of income (last 3 payslips, rents, revenue, etc.) and employment contract.
  • Your last annual tax return.
  • Signed declaration of property or capital gains tax.

Self-employed

  • Annual VAT summary (form 390) and statements for this year.
  • Annual summary of personal income tax (IRPF) deductions and statements for this year.
  • Payment of business tax (IAE).
  • Last three social security payments and the payment of the quota for self-employed workers.
  • Annual statement of activities with third parties (form 347).
  • Certificate attesting you are up to date with social security payments.
  • Certificate attesting you are up to date with tax obligations.

Property documents

  • Supporting document of the Property Registration.
  • Last property tax (IBI) bill for the property to be mortgaged.
  • If necessary, certificate demonstrating being up-to-date with homeowners' association fees.
  • Property purchase and sale agreement or deposit contract.

Once you provide us with all the necessary documentation (personal documents, property and appraisal documents), after assessing your viability, we can give you a response in a matter of days.

This will depend on the schedule of the notary you choose. You will have to choose the notary to schedule the signing day and to receive advice.

Please note that, by law, once the ESIS (a binding document containing the mortgage conditions) and its annexes have been signed, you will have 10 calendar days, or 14 calendar days in Catalonia, to reflect on and review the mortgage conditions, before signing before a notary.

During the consultation, the notary will issue a certificate of compliance to be signed, and this document will state the date from which the contract can be signed.

As a minimum, you must complete the reflection period that applies in your case.

We are what we do

We go above and beyond the standards that certify us as a company with good social, environmental and corporate practices.

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in an instant

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