In the midst of this financial syndics in which we live, blunts with force the question of what we can do if we consider right now apply for a mortgage. Because one thing is clear: with interest rates in negative territory and famished banking profits, nothing will be like until a few months ago and you have to keep an eye on the new frame of mind to see what we need.

In this new medium mortgage environment, financial institutions are wondering what can happen if the Euribor continues in negative territory long time, or even extending their value at the dark side of the graph.

To extend the spread to Euribor to protect margins, so the type remains small, or even negative, but the differential is large enough to be worth continue operating within the business.

Include Zero clause, by which it is established whether the low interest rate of zero no money is returned, or what the same is, put a clause soil, but well explained to customers, No gimmicks that give judges and lawyers work.

Decanters by fixed rates, eliminating the risk for both parties fluctuations, but on the understanding that these guys will not be low, because in a thirty – year business there are many things to consider and many risks to cover.