Financial disclaimer

1. Informational nature

Hipotecalc's calculators and content are provided for informational and educational purposes only. They do not constitute financial, tax, legal or investment advice, nor an offer or recommendation to contract any financial product. Hipotecalc is not a financial institution or a credit intermediary.

2. Results are estimates

Calculator results (monthly payments, taxes, interest, returns) are estimates based on standard formulas and the data you enter. The actual terms of a mortgage or property purchase depend on each lender, the applicant's profile, the property appraisal and the regulations in force at the time, and may differ significantly from the estimates shown.

In particular, ITP and VAT rates and their regional reductions change frequently. Although we strive to keep the data up to date, you should verify the applicable rates with your region's tax administration or a tax advisor before making any decision.

3. Official data sources

The market data shown on this site comes from official sources:

• 12-month Euribor: the index is administered by the European Money Markets Institute (EMMI), its original source. The historical series we use comes from the European Central Bank data portal and can also be consulted at the Bank of Spain.
• ITP and VAT rates: national and regional legislation published by the corresponding tax administrations.

The Euribor values shown are monthly or annual averages for guidance purposes; the value applicable to a specific mortgage depends on the review date agreed in the deed.

4. Limitation of liability

The owner of Hipotecalc accepts no liability for financial, investment or purchase decisions made on the basis of the information or results obtained on this website, or for any loss or damage arising from them. Before taking out a mortgage or making a property investment, consult a qualified professional (financial advisor, tax advisor or credit intermediary registered with the Bank of Spain).

5. Recommended official resources

• Bank of Spain — banking supervisor; publishes the official reference indices and offers guidance for mortgage holders through its Bank Customer Portal.
• EMMI — European Money Markets Institute — administrator of the Euribor and the index's original source.
• European Central Bank — Data Portal — official historical interest rate series.