(1) Promotion valid from 04/02/2019 to 31/12/2019, limited to a total of € 100,000 gross in rebates, for transfers of pension schemes received, not rebated in previous campaigns, from another bank. Minimum amount of the transfer to obtain the rebate: € 6,000. Gross rebate consisting of 2 % of the transfer when remaining for three years, or 3 % of the transfer when remaining for five years, or 4 % of the transfer when remaining for seven years. Maximum total rebate per client in all cases of € 3,000 gross. Clients who have performed any outbound transfer since January 2017 may not avail themselves of the promotion. Offer may not be accumulated with other rebates for transfers. The promotion is subject to the conditions established in the document on remaining terms and Personal Income Tax withholding pursuant to the tax laws in force.
In the event of breach of the commitment to remain due to any of the conditions detailed below arising, the client must return Unicaja Banco the proportional part of the amount of rebate received for the period of time from the date of breach and the date of conclusion of the commitment to remain acquired accrued in favour of Unicaja Banco. The conditions to which this paragraph refers are as follows:
a) Should the participant perform a total or partial transfer of the consolidated rights of any such schemes to another Pension Scheme not marketed by Unicaja Banco and managed by Unicorp Vida, compañía de Seguros y Reaseguros, S.A.
b) Should the participant perform total or partial capital redemption of the rights consolidated in any of those schemes due to any of the contingencies or exceptional cases of liquidity foreseen in the legislation and in the Regulations of the Scheme.
(2) Concession subject to the Bank’s criteria. Conditions valid until 31st December 2019. Nominal rate: 0 %. AER: 0 % calculated for principal of the loan equal to € 6,000 for a term of 1 year, with a monthly quota of € 500. Opening commission: 0 %. Study commission: 0 %. Total amount owed: € 6,000.
As of the moment when the participant totally or partially fulfils the consolidated rights of the pension scheme, by any of the contingencies or exceptional cases of liquidity foreseen in the Regulations of the Scheme, or totally or partially transfers the rights consolidated in the pension scheme to another pension scheme or an insured pension scheme, that is not marketed by Unicaja Banco and managed by Unicorp Vida, compañía de Seguros y Reaseguros, S.A., the loan shall accrue a variable interest in favour of Unicaja Banco of Euribor at one year +7.50 p.p. AER variable: 7.647 %(**) for the principal of the loan equal to € 6,000 at a term of 1 year, with a monthly liquidation of interest and capital, with a monthly quota of € 520.31, except for the last quota which is of 520.29 . Total amount owed: € 6,243.7. Unicaja reserves the right not to implement the credit if, during its period of validity, it has knowledge of any circumstance that amends the risk level attributed to the holder.
(*) € 6,000 maximum per operationand client.
(**) The Variable AER stated is calculated on 10th April 2019, considering that no advance cancellation arises, either partial or total, throughout the whole term of the loan. The Variable AER shall vary according to the term and amount of the loan. Monthly capital and interest quotas. The Variable AER has been calculated with the Euribor at one year from the month of March 2019 (-0.109 %), under the hypothesis that the reference indexes do not vary; thus, this Variable AER shall vary with the interest rate reviews. Annual reviews.
The documents with the fundamental data for the participant in all the pension schemes are available for downloading and consultation in the Catalogue of Pension Schemes, the Entity promoting being: Unicorp Vida, Cía de Seguros y Reaseguros S.A./Unicaja Banco S.A. Gestora: Unicorp Vida, Cía. de Seguros y Reaseguros S.A., Custodian: CECABANK, S.A. For more information, consult the Pension Schemes promoted.