{"id":46239,"date":"2026-01-27T10:00:00","date_gmt":"2026-01-27T09:00:00","guid":{"rendered":"https:\/\/eimediacion.edu.es\/?p=46239"},"modified":"2026-01-30T09:56:20","modified_gmt":"2026-01-30T08:56:20","slug":"mercado-hipotecario-mediacion-bancaria-espana","status":"publish","type":"post","link":"https:\/\/eimediacion.edu.es\/eng\/ser-mediador\/noticias-escuela-mediacion\/mercado-hipotecario-mediacion-bancaria-espana\/","title":{"rendered":"Are we facing \u201cirrational\u201d behavior in the Spanish mortgage market?: what it might mean and how bank mediation can help you.\u00a0"},"content":{"rendered":"<p>By Silvia N\u00fa\u00f1ez Fernandez<\/p>\n\n\n\n<p>In the presentation of the 2025 results, the CEO of Bankinter,&nbsp;<strong>Gloria Ortiz<\/strong>, He issued a warning that has had a major impact on the financial press: there are practices in the&nbsp;<strong>Spanish mortgage market<\/strong>&nbsp;which can be considered&nbsp;<strong>irrational and unsustainable in the long term<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Although there is no talk of a real estate bubble like the one in 2008, the way some entities are marketing properties is concerning.\u00a0<strong>very long-term mortgages with aggressive conditions<\/strong>, This could lead to future conflicts between banks and customers.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What does \u201cirrational\u201d really mean in the mortgage market?<\/strong>\u00a0<\/h2>\n\n\n\n<p>When we talk about imprudent or unsustainable behaviors, we are referring to situations such as:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offers from\u00a0<strong>30-year mortgages with abnormally low fixed rates<\/strong>, below the actual cost of financing.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks that prioritize acquiring customers over the future viability of the loan.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A genuine\u00a0<strong>mortgage terms war<\/strong>\u00a0which generates legal and economic uncertainty.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>According to Gloria Ortiz herself, her organization has decided not to participate in this aggressive competition, opting instead for more prudent and sustainable mortgage portfolios.&nbsp;<\/p>\n\n\n\n<p>This not only affects the commercial strategies of banks, but also...&nbsp;<strong>financial risks assumed by families<\/strong>&nbsp;by signing up for these types of long-term products.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why should you worry if you have or are going to have a mortgage?<\/strong>\u00a0<\/h2>\n\n\n\n<p>Although this situation does not imply an imminent crisis, it does raise several real risks:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many people sign mortgages focusing only on the initial rate without considering future scenarios.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The high price of housing combined with very long terms can put a strain on family finances.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Intense banking competition can lead to practices that do not always benefit the consumer.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>This situation affects both those who already have a mortgage and those who are thinking about getting one.&nbsp;<strong>buy a home and take out a mortgage or&nbsp;<\/strong>those who want&nbsp;<strong>refinance your loan<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Banking and mortgage mediation: an increasingly necessary solution<\/strong>\u00a0<\/h2>\n\n\n\n<p>Given such a complex scenario, the&nbsp;<strong>banking and mortgage mediation<\/strong>&nbsp;It becomes a fundamental tool for:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Clearly understand the actual terms of the loan.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Negotiate with the bank alternatives tailored to each personal situation.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prevent conflicts due to dubious clauses or lack of information.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoid lengthy, costly, and exhausting legal proceedings.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Mediation allows one to reach&nbsp;<strong>fair agreements<\/strong>, preserving the relationship with the financial institution and reducing time and costs.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do you identify with any of these situations?<\/strong>\u00a0<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#039;ve been offered a mortgage that&#039;s &quot;too good to be true&quot;.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#039;re worried about how future interest rate hikes might affect you.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your bank has changed its terms and conditions and you don&#039;t fully understand why.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You want to renegotiate without going into lengthy trials.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>If you recognize yourself in any of these cases,\u00a0<strong>Going to mediation can make all the difference<\/strong>\u00a0before the conflict escalates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong>\u00a0<\/h2>\n\n\n\n<p>We don&#039;t need to go back to 2008 to feel uncertainty in the mortgage market. Precisely because we are not facing an obvious crisis, but rather a changing environment, the&nbsp;<strong>banking mediation<\/strong>&nbsp;It becomes a key tool for protecting consumers.&nbsp;<\/p>\n\n\n\n<p>Increasingly, mediation is also becoming established as a&nbsp;<strong>Career path with social impact<\/strong>, especially in sensitive areas such as finance.&nbsp;<\/p>\n\n\n\n<p>Would you like to dedicate yourself professionally to mediation or specialize in one of its branches? You&#039;ve come to the right place. <a href=\"https:\/\/eimediacion.edu.es\/eng\/\">EIM<\/a> We offer a wide variety of training courses to meet your most ambitious goals. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>By Silvia N\u00fa\u00f1ez Fernandez. During the presentation of the 2025 results, Bankinter&#039;s CEO, Gloria Ortiz, issued a warning that has generated significant impact in the financial press: there are practices in the Spanish mortgage market that can be considered irrational and unsustainable in the long term. Although there is no talk of a real estate bubble\u2026 <a title=\"Are we facing \u201cirrational\u201d behavior in the Spanish mortgage market?: what it might mean and how bank mediation can help you.\u00a0\" class=\"read-more\" href=\"https:\/\/eimediacion.edu.es\/eng\/ser-mediador\/noticias-escuela-mediacion\/mercado-hipotecario-mediacion-bancaria-espana\/\" aria-label=\"Read more about Are we facing \u201cirrational\u201d behavior in the Spanish mortgage market?: what it can mean and how bank mediation can help you.\u00a0\">Read more<\/a><\/p>","protected":false},"author":6,"featured_media":46240,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1,25,27],"tags":[654,648,652,658,649,651,653,650,647],"class_list":["post-46239","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-escuela-mediacion","category-ser-mediador","category-noticias-de-mediacion","tag-alternativas-al-juicio","tag-conflictos-bancarios","tag-consumidores-financieros","tag-educacion-financiera","tag-hipotecas","tag-mediacion-bancaria","tag-mediacion-hipotecaria","tag-mercado-hipotecario","tag-negociacion-bancaria"],"_links":{"self":[{"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/posts\/46239","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/comments?post=46239"}],"version-history":[{"count":1,"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/posts\/46239\/revisions"}],"predecessor-version":[{"id":46241,"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/posts\/46239\/revisions\/46241"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/media\/46240"}],"wp:attachment":[{"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/media?parent=46239"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/categories?post=46239"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eimediacion.edu.es\/eng\/wp-json\/wp\/v2\/tags?post=46239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}