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The Bank of Spain’s Ultimate Trick to Legally Reduce Your Variable Mortgage
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With the Euribor surpassing 2.8% in June 2026 and the ECB raising rates for the first time in three years, the Banco de España has been remembering for months something that many mortgaged do not know: you have the legal right to amortize your variable loan in advance and reduce what you pay each month or the years you have left. It is not a banker’s secret, it is a strategy that the supervisor himself has documented and tools has published so t…
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