Vinku - Mortgage Simulator

Are you about to sign a mortgage and the bank offers to lower your interest rate if you take out their insurance, credit card, or alarm system? This is known as an "incentive" or "tied product", and it can make you believe you're saving... when in reality, you're paying over the odds.

Vinku is not a simple mortgage calculator. It simulates, compares, and analyses with total transparency the real cost of your mortgage loan —including insurance and tied products— so you can negotiate with your bank using exact data.

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WHAT CAN YOU DO WITH VINKU?
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📊 CALCULATE ANY TYPE OF MORTGAGE
Easily simulate and compare fixed, mixed, and variable-rate mortgages. Get the monthly instalment, the amortisation schedule, and the total cost of the loan instantly.

💡 DISCOVER THE REAL COST OF INCENTIVES
Does the bank offer to lower your TIN (nominal interest rate) if you take out their life insurance or home insurance? Enter your mortgage details (capital, term, interest rate) and the cost of each tied product. Vinku shows you if the incentive is genuinely profitable for you or if you are losing money.

🔄 COMPARE: WITH OR WITHOUT TIED PRODUCTS?
Clear up the ultimate unknown: what works out cheaper, accepting the bank's discounted rate with all its products, or choosing a higher interest rate and freely taking out insurance wherever you want? Vinku does the maths for you and gives you the answer in euros.

🏡 ALREADY HAVE A MORTGAGE?
If you are already paying off your house, enter your current conditions and mathematically check if it is still worth paying for your bank's insurance and tied products, or if you would save more money by cancelling them now. A decision that could save you thousands of euros.

🔢 PRECISE AND OBJECTIVE CALCULATIONS

Itemised monthly instalment (capital + interest)

Total cost of the mortgage at the end of the loan

Direct comparison between a discounted mortgage vs. one without incentives

Profitability analysis of each tied product (life insurance, home insurance, credit card, pension scheme...)

Compatible with fixed, variable, and mixed rates

Calculations based on the French amortisation system (standard in Spain)

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WHO IS VINKU FOR?
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✅ People who are about to sign a mortgage and want to negotiate with the bank using real numbers
✅ Homeowners who already have a mortgage and are doubting whether it pays off to keep the bank's insurance
✅ Anyone who wants to truly understand what they are signing before they do it

Don't get carried away just by an attractive nominal rate or a low differential. The Euribor goes up and down, but you always pay the fees and tied insurance. Vinku puts the information on your side.

Download Vinku today and make sure you have the mortgage that truly suits you best. 🏠