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.
How we handle the data
We structure community-reported mortgage offers: bank, rate, linked products, income, and LTV. We show the sample size and limit rate analysis to the last 3 months.
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.
Editorial and data-quality standards
- Rate analysis uses data from the last 90 days and shows the date of the newest observation.
- Segmented pages are indexed only when they meet a minimum sample size; the offer count remains visible.
- A reported offer is not described as a signed mortgage unless that status is explicitly recorded.
- We correct incomplete or inconsistent data and accept reports at contacto@nakedhipotecas.com.
What this is NOT
No broker. No bank affiliations. No commissions. No financial advice. Just data.
By the numbers
193
Real offers
14
Banks covered
Daily
Data refresh
90d
Data window
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 run format, date, and consistency checks. Outliers are flagged and weighted lower by confidence; incomplete or suspicious records are 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.