Go to main content

Home Refurbishing Loan

Make the renovation you want and fall in love with your home again

Finance the home renovation you have in mind, easily and without a commitment fee.

A simple way to finance your renovation

  • Straightforward financing with no surprises

    A loan with no commitment fee and with an adjustable term (from 2 to 10 years) depending on the amount.

  • The process is simple and, if you want, 100% digital

    From the app, get inspired with ideas, calculate your payment to make your decision calmly and apply for your loan.

  • And comfortably on your terms

    If you are already a customer and have your paycheck or pension deposited with BBVA, we offer you a discounted interest rate.

Make yourself at home, we make it easy for you

  • Financing to renovate your home

    • You can choose from a minimum period of 2 years up to a maximum period of 10 years.
    • From a minimum of €3,000 to a maximum of €75,000.
    • No commitment fee.
    • From $${tinBon} % NIR, $${taeBon} % APR with a paycheck or pension direct deposited.
    • Up to $${tinNoBon}% NIR, $${taeNoBon}% APR without a paycheck or pension direct deposited.
    • At least 90% of the loan is used for the renovation of your home.

This is how it works in practice

  • With a salary or pension paid into your account

    Jesús needs €30,000 to renovate his home, and he decides to direct deposit his paycheck in order to receive a discount on the home renovation loan and enjoy improved conditions.
    • Loan amount: €30,000
    • Commitment fee: $${openingFeeAmount}
    • Repayment period: 10 years (120 months)
    •  Constant monthly payment: $${monthValueBon} €
    • Interest rate: $${tinBon} % NIR, $${taeBon} % APR
    • Total to repay: $${totalValueBon} €

     

  • Without direct payment of salary or pension

    If Jesús had not had his paycheck paid directly into his account, these would have been his conditions:

    • Loan amount: €30,000
    • Commitment fee: $${openingFeeAmount}
    • Repayment period: 10 years (120 months)
    •  Constant monthly payment: $${monthValueNoBon} €
    • Interest rate: $${tinNoBon}% NIR, $${taeNoBon}% APR
    • Total to repay: $${totalValueNoBon} €

     

Apply for your BBVA Home Renovation Loan

And if you have any questions, we'll answer them

The home remodeling loan has no commitment fee.
If you decide to repay all or part of your loan before the end of the term indicated in the application, you will have to pay an early payment fee of 0.50% of the remaining principal if fewer than 12 months remain to pay off the loan, or 1% if more than 12 months remain.

Do you need something more personalized?