If your bank required you to purchase a single-premium insurance policy linked to your mortgage with its insurance company, you may be entitled to claim reimbursement of:
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It is an insurance policy where the premium is paid in full upfront, and the bank adds that amount to the principal of your mortgage. This increases both the loan amount and the interest ultimately paid.
Al sumar la prima al capital de la hipoteca, cada cuota del préstamo incluye intereses sobre el seguro. Por otr aparte, a medio plazo esto dispara el coste total y encarece tu deuda sin mejorar la cobertura.
Sí, es legal. Además, la normativa permite que el banco exija un seguro vinculado a la hipoteca y que la prima se pague de una sola vez. Por otra parte, lo que no puede hacer la entidad es obligarte a contratarlo con su aseguradora: tienes derecho a elegir con qué aseguradora deseas contratar el seguro.
It depends on the amount of the premium and how long you have been paying the mortgage. Generally, recoverable amounts range from €5,000 to €40,000, considering both the unused portion of the premium and the excess interest generated by its financing.
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