Simulador y comparador de hipotecas

With you until you get your mortgage from the beginning to the signing in front of a Notary.
Gratis para ti.

With you until the signing before a Notary.
Free for you

Simula tu cuota mensual personalizada
En un único formulario, con todos los bancos.

Simula tu cuota mensual en un único formulario, ¡con todos los bancos!

flechas apuntando en direcciones opuestas

Compara ofertas para ti en un par de minutos
Con opciones de +20 bancos para escoger

Compara ofertas para ti en un par de minutos.
Con opciones de +20 bancos para escoger

carpeta con flecha para subir documentación

Recibe ofertas formales en 24h.
Sube tu documentación en un click y avanza

Recibe ofertas formales en 24h..
Sube tu documentación en un click y avanza

Habla con un experto hipotecario de principio a fin
Compartirás tus dudas, te ayudará con las ofertas y a negociar con el banco.

NUEVA HIPOTECA

MEJORAR HIPOTECA

chico junto a una imgen de ejemplo de simulación de hipoteca

Get the best mortgage from each bank

Consigue la mejor hipoteca
de cada banco

It's free for you because we are paid by the banks to bring them customers.

Cómo funcionan nuestro simulador y comparador de hipotecas

Introduces tus datos
Indica el precio de la vivienda, tus ahorros y el importe a financiar. Para mejorar una hipoteca que ya tienes, añade tus condiciones actuales y el capital pendiente de pago.

Compara la cuota mensual por bancos y solicita ofertas
Verás las cuotas orientativas de diferentes bancos para tu operación y podrás seleccionar las que quieras. En una mejora de hipoteca, también verás las cuánto podrías ahorrar y cómo quedaría tu nueva cuota.

Te ayudamos con la documentación
Te conectamos con los organismos oficiales para que puedas descargar, en el momento, los documentos que te piden los bancos. Y contarás con el apoyo de nuestro equipo para asistirte.

Un experto te conseguirá las mejores ofertas para ti
En 24 horas empezarás a recibir ofertas formales para tu operación y te ayudaremos a negociar con los bancos para conseguir la mejor hipoteca para ti.

Preguntas frecuentes sobre nuestra herramienta

What is a mortgage simulator?

A mortgage simulator, or mortgage calculator, is a financial calculation tool that allows you to know the approximate mortgage payment based on your your financing needs and current employment and financial situation.

¿Qué es un comparador de hipotecas?

El comparador de hipotecas de Wypo te permite comparar, según tu perfil, las ofertas hipotecarias de distintos bancos. Te muestra los datos esenciales de cada una: cuota mensual, tipo de interés, plazo y bonificaciones, si las hay.

Estas ofertas son las condiciones estándar de cada banco para tu perfil, no una oferta en firme, por lo que normalmente pueden mejorarse en la negociación posterior.

What data do I need to use the mortgage simulator?

To use the mortgage simulator, we'll need several pieces of information such as your name, number of applicants and their ages, monthly income and expenses. If it's for a new mortgage we'll require details about the property you're purchasing (price, location, and whether it's newly built or second-hand). If it's for refinancing, we'll ask you to specify the type of your current mortgage, (Fixed, Mixed, or Variable), when it was signed, and the remaining balance.

Does the mortgage simulation take into account the taxes and insurance associated with the mortgage?

Our simulator considers taxes and allows you to see details of this information. However, the nsurance, is information that cannot be known in the simulator, since it depends on each mortgage, bank and is calculated on a case by case basis. There are even mortgages that do not require the linking of insurance to the mortgage, and are granted only with the payroll.

By accessing the comparator, the user can have approximate information on the amount of the instalment of the mortgages with or without any type of linkage.

Do you need a mortgage urgently or have you been turned down by your bank?

At Wypo we provide an option for those mortgages that are outside of the standard risk parameters set by banks and are not feasible or at least are not feasible through the usual channels or in the time frames user needs. If this is your case, and your bank has denied you a mortgage, you need urgent financing because you already have a deposit or you don't want to lose the property of your dreams, ask us about our Personal Banker services: much more than a financial broker, since our professionals are mortgage experts - with at least 10 years of experience in banking and mortgage industry - who will study your case in depth and look for viable alternatives for your mortgage financing. This service has a very affordable price starting at 499€, with an initial payment of 199€ upon contracting the service (upon presentation of a viable offer) and the rest of the payment due upon success of the mortgage. To request information about the service you can contact us at: hipotecaSOS@wypo.es

Can the simulator help me decide between a fixed and a variable interest rate?

Yes, the simulator will provide you with information about the mortgage payment with options of fixed, mixed or variable mortgage, and will allow you to see the difference between them, including the difference in instalments, according to the interest rates offered for each option. You can have an approximate idea of your mortgage instalments, based on your preferences and monthly savings-spending possibilities. (Remember that in order to obtain personalized offers, it is necessary to advance the onlline process at www.wypo.es providing the documentation required by the bank).

Does the simulator update its calculations according to changes in market interest rates?

Yes, that's right. The simulator calculates the mortgage terms based on the current Euribor rate.

What should I do after obtaining the simulation results?

Initially, you receive valuable insights regarding essential aspects such as the requisite savings for the downpayment, initial mortgage-related costs and taxes, and the amount the bank is willing to finance. Additionally, approximate installment payments offered by the banks based on the provided data are made accessible. However, to obtain formal and entirely personalized offers, it is imperative to furnish the formal documentation mandated by the bank. This documentation typically encompasses identification cards, personal particulars, property details, as well as employment and financial. .

Upon utilizing our simulator, we meticulously outline the documentation required from you, offering complimentary guidance and instructions on accessing and downloading this documentation from official government portals in your country of residence, should you not already possess these documents. Subsequently, the obtained documentation is transmitted to the selected banks, initiating a comprehensive analysis of your mortgage. Within a timeframe of 72 working hours, personalized offers tailored to your specific circumstances are generated for your consideration.