The APR is always higher than the TIN because it includes fees and insurance. If a bank offers a 3.00% TIN but the simulator shows a 3.45% APR, that 0.45% is the cost of their fees and mandatory products. Compare APRs across banks, not TINs.
Permite determinar la Tasa Anual Equivalente real, incluyendo el impacto de posibles seguros o bonificaciones. simulador hipoteca banco de españa