You just have to take out the following BBVA products and services that offer a discounted NIR and meet the conditions:

• BBVA Allianz Seguros Comprehensive Home Insurance in force and up to date with payments.
• BBVA Seguros loan repayment insurance in force, up to date with payment and covering at least half of the amount of your mortgage. If the 50% exceeds €150,000, this amount is enough.
• Direct deposit your income at BBVA: paycheck of over €600 or pension of over €300. if you are self-employed, you just have to direct deposit your Social Security self-employment payment (not including the direct deposit of mutual fund payments or other social welfare systems).

Remember that the insurance policies are subject to approval by BBVA Allianz Seguros and BBVA Seguros, respectively.