NAKED HIPOTECAS
An open database of what Spanish banks actually charge.
The problem
Banks advertise one rate. You get another. The gap is where they make money. NAKED HIPOTECAS closes that gap. We collect the rates people actually received — not from bank websites, from real negotiations — and show you what someone like you would get.
Where the data comes from
Real people sharing real offers in online communities. Bank, rate, conditions, income, LTV — the full picture. We structure it so you can compare. Only data from the last 3 months. Old rates are old lies.
How the algorithm works
You tell us your profile. We find the closest matches. Each offer is scored by how similar it is to your situation — recent data and complete offers weigh more. The result: your expected rate at each bank, based on what people like you actually got.
What this is NOT
No broker. No bank affiliations. No commissions. No financial advice. Just data.
By the numbers
647
Real offers
19
Banks covered
Daily
Data refresh
2
Communities contributing
Common questions
How do you keep data anonymous?
We never collect names. Submissions include only mortgage terms and financial profile — rate, bank, income, LTV. Nothing that identifies anyone.
How do you verify offers?
We cross-reference across sources. Outliers are flagged and weighted lower by confidence scores. Incomplete or suspicious data is automatically discarded.
Who runs this?
An independent project. No bank funding. No broker affiliations. No commissions. Just data.
How to contribute
Got an offer? Share it. One data point makes the whole dataset sharper. Anonymous. 30 seconds.