| Tool / Provider | Accuracy | Ease of Use | Includes Insurance? | Best For | |----------------|----------|-------------|--------------------|----------| | Banco de España official | High | Low (manual entry) | No | Legal minimum comparison | | Idealista / HelpMyCash | Medium | High | No | Quick fixed-rate checks | | Bankinter / BBVA internal | Low (biased) | Very high | No (but pushes products) | Seeing their offer only | | Excel (manual formula) | Perfect | Low (requires skill) | You decide | Advanced users who want true cost |
These are in TAE, but they can add €10k–20k over the loan’s life. A “low TAE” mortgage with mandatory expensive insurance is often worse than a slightly higher TAE without insurance. calculo tae hipoteca