It offers a fixed interest rate of 2.35% for the first five years and then moves to Euribor + 0.60%. Without bonuses, the rate rises 20 basis points. Evo Banco is one of the most active banks in the mortgage competition. Of all its loan options for home purchase, the five-year mixed mortgage stands out in particular. Evo Banco’s Hipoteca Inteligente Mixta applies a fixed interest rate of 2.35% for the first five years after signing, and subsequently adjusts to Euribor + 0.60% (3.78% APR), as long as the customer fulfils the maximum bonuses: direct deposit of salary and taking out life and home insurance. If these conditions are not met, the interest rate increases to 2.55% for the first five years and, thereafter, the differential is Euribor + 0.80% (3.97% APR). Thus, those consumers who do not wish to meet these requirements will see a minimal penalty, with only 20 basis points difference between the two options. This is one of the competitive advantages of Evo Banco’s mixed loan compared to other entities, although it is not the only one. This mortgage has no fees for study, opening or early repayment, whether partial or total. In addition, it can be taken out 100% online until signing and is available for the purchase of any home, although with different financing limits. For the purchase of a primary residence, Evo Banco finances up to 80% of the lower value between the appraisal of the property and its purchase price. For a second home, the limit is generally 60%. Finally, the bank is flexible as regards the term of the mortgage contract, the only condition being that the holder must not be more than 75 years old on the maturity date of the contract.