{
  "id": 3155783,
  "title": "90% of new mortgages are already signed at a fixed rate",
  "url": "https://urgent.news/2026/08/25/el-90-de-las-nuevas-hipotecas-ya-se-firman-a-tipo-fijo",
  "topic": "business",
  "section": "Business",
  "published": "2026-08-25T00:47:59.000Z",
  "source": {
    "name": "Expansion ES",
    "slug": "expansion-es",
    "url": "https://www.expansion.com/ahorro/2026/08/25/6a8cb816468aebea0c8b4579.html"
  },
  "original_language": "es",
  "account": "The Spanish mortgage market is seeing a surge in fixed-rate loans as borrowers seek to protect themselves from potential future interest rate hikes. According to data from Gibobs.com, a fintech specializing in mortgages, 87.81% of mortgages signed through their platform this year have been at a fixed rate, up from 80.21% in 2025. This trend is confirmed by competitor Trioteca, which reported that 88.02% of mortgages formalized in June were at a fixed rate. The rise of fixed-rate loans is attributed to the current upward trend in the euribor index and the desire for certainty among borrowers. The preference for fixed rates is also evident in mortgage subrogations, with 63.79% of clients switching from variable or mixed rates to fixed rates.",
  "summary": "Los brókeres constatan el auge de estos préstamos para blindarse de posibles alzas futuras. Leer",
  "key_points": [
    "90% of new mortgages now fixed-rate in Spanish market",
    "Fixed-rate mortgages preferred to shield against rising Euribor",
    "63.79% of mortgage refinancings switch to fixed-rate"
  ],
  "editors_take": "The shift towards fixed-rate mortgages in Spain reflects a growing preference for payment certainty, as buyers and refinancers alike seek to shield themselves from potential increases in the mortgage index.",
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}