Learn Spanish (Latin America): Sin embargo, el banco otorga la hipoteca a fin de que compres la propiedad. - However, the bank grants the mortgage in order for you to buy the property.

We use a fin de que (in order that) because there is a change of subject. The bank (el banco) is doing the granting, but you (tú) are doing the buying. If the bank were doing both actions, we would drop the que and follow it with an infinitive verb, like a fin de comprar.

Why is compres in the subjunctive?

Expressions of purpose that end in que, like a fin de que and para que, always trigger the subjunctive. The action of you buying the property is the intended goal, not an established fact, so we must use the subjunctive compres instead of the normal present tense compras.

Could I just use para que instead of a fin de que in this sentence?

Absolutely! Para que means the exact same thing and is much more common in everyday speech. A fin de que is just a slightly more formal alternative that you will often see in writing, business, or official contexts like banking.

What is the verb behind otorga and when should I use it?