The value of the investment depends on the market value of the investment fund's assets and can experience significant losses.
(*) 0.55% A.E.R, for an amount of €6,000 at 24 months with interest paid on maturity if you meet the requirements. 0.35% A.E.R. for an amount of €6,000 at 13 months with interest paid on maturity if you meet the requirements. Offer valid until 31 December 2020. For the calculation of the APR the observation has been considered c) of addendum 7 of Circular no. 5/2012 by the Bank of Spain, that establishes a 365-day year (366 days for leap years), 52 weeks or 12 standard months has been used to calculate the AER. A standardised month has 30.4166 days (that is 365/12), regardless of whether it is a leap year or not. The requirements to be met are: 1. Having previously subscribed (maximum 60 days before opening the deposit) to an investment fund marketed by Unicaja Banco or having increased the balance of this by the percentage associated with the chosen combination and maintaining it until the maturity of the deposit. 2. Being the holder of a Unicaja demand account.
At maturity, if requisites are not fulfilled, the fixed term deposit will be settled at 0.01% N.I.R. (0.01% A.E.R.) if the initial term of deposit is 13 months (at maturity, for an amount of €6,000 one would obtain €0.65 in gross interest) and 0.02% N.I.R. (0.02% A.E.R.) if the initial term of deposit is 24 months (at maturity, for an amount of €6,000 one would obtain €2.40 in gross interest).
Two possible combinations:1) 100% of the total investment = 30% deposit + 70% Investment fund. Minimum total investment: €20,000 (deposit €6,000 and investment fund: €14,000). 2) 100% of the total investment = 50% deposit + 50% Investment fund. Minimum total investment: €12,000 (deposit €6,000 and investment fund: €6,000). Maximum amount of the investment: the limitation only applies to the deposit (€150,000). There is no maximum contribution to the investment fund. In the event of the total early cancellation of the deposit, a penalty of 0.01% will be charged and the interest rate to be applied in this case will be lower, without ever losing the capital invested in the deposit. Partial early cancellation is not permitted.
(**) Investment Funds managed by Unigest, S.G.I.I.C., S.A. registered in the CNMV (Spanish National Securities and Exchange Commission) on 21/05/1992 with no. 154. Depositary: Cecabank, S.A. See the prospectus and KIID (Key investor Information Document) at www.unicajabanco.es and www.cnmv.es. The performance of the investment fund is independent of the return on the deposit and will depend on the evolution of the assets in which the capital has been invested.