At the beginning of November, Montse Cespedosa called out on her social networks anyone who had a comment Signing the mortgage To complete the procedures “as quickly as possible”. The reason, as the financial advisor explained, is that banks have started delaying home offers. This scenario, in his opinion, predicts a “slowdown” in 2026 if this trend continues. A few days later, Cespedosa declared on his TikTok channel about “the end of the real estate boom,” as well as an increasingly complex scenario for those who want to sign a mortgage.
In view of this panorama, the mortgage negotiation specialist advanced his expectations, and confirmed in the latest video clips he published that eight banking entities had increased their size. Interest rates For mortgages. In recent weeks, Banco Santander, BBVA, Bankinter, Coín, Caja Siete, Banco Sabadell, Unicaja and ING have increased their interest in this issue.
Cespedosa indicated on his TikTok channel that this increase is not linked to an investigation Internal goals of entitiesBut he responds to two main reasons, but he did not detail them in his speech. However, he urged his followers to discuss the situation with their managers.
The expert highlighted the importance of those processing a mortgage sharing this information with a professional, as it can be crucial in achieving more beneficial negotiations. In the words of Cespedosa November EuriborThat is, interest rates for this month, which ends now, “close at 2.21%.” The expert explains that this rise “confirms the fourth consecutive rise.”
On the other hand, Cespedosa reported that the Internal Revenue Service, or Interest rate swap (IRS), “we have a rate of 3.084%,” data that, as collected on his TikTok channel, reflects Upward trend Mortgage benchmarks in Spain.
Given the scenario presented by the expert in one of her recent TikTok videos, Cespedosa recommended users to go to their bank or mediator Mortgage to confirm the terms of your loan as soon as possible. Furthermore, he insisted on the importance of having the financial institution “on your file,” which it can provide Legal certainty In this process. He also explained during a post on the social network that although the entities already know the situation, there is a certain lack of fixed-rate mortgage offers below 1.80%. The expert explains that the reason is “the lack of shares of 1.80% at a fixed rate.”
Finally, the advisor encouraged those looking to sign a mortgage at its best Market conditions To be adequately informed before making a decision: whether a variable or fixed rate is more suitable for them, as well as what the conditions and interests are. “If you want to carry out the most important financial operation of your life in complete safety and save thousands of euros, write the word ‘consultation’ and I will send you more information,” Cespedosa concluded in his post on TikTok.