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A loan to help you fulfil your dreams
Apply for up to €30,000 with no minimum amount
Up to 5 years to repay your loan
Up to 5 years to repay your loan. provided the borrower's age and the loan term do not add up to more than 75 years.
You can spend it on trips, experiences and much more
Cover unforeseen circumstances or simply enjoy it. You surely have a lot of experiences to live through: a trip, shopping...
Attractive interest rate
This kind of loan is aimed at personal needs or consumption, such as financing holidays, refurbishing a home, renewing furniture, purchasing appliances, etc.
Yes, it does. Loans for pensioners and retirees require executing a notarial deed.
Yes, it does, a front-end fee of 1.5% (at least €60) and an assessment fee (at least €50).
Aside from having the pension deposited directly into Unicaja Banco, you must submit a proforma invoice setting out the expenses for which the loan will be used.
It is a loan for people aged between 60 and 70 years who have their pension deposited directly into their accounts. The borrowers' age plus the loan's term may not exceed 75 years.
* Granting subject to the institution's criteria.
(1) Terms and conditions valid until 31 December 2021.
Typical examples of AER
Nominal annual rate: 7.75%. AER: 12.105% calculated for the principal of a loan amounting to €3,000 having a two-year term and a monthly repayment of €135.33, except the last repayment of €135.46. Front-end fee of €60. Assessment fee of €50. Total amount owed: €3,358.05. Total amount of interest: €248.05. Total cost of credit: €358.05.
Nominal annual rate: 7.75%. AER: 9.167% calculated for the principal of a loan amounting to €15,000 having a four-year term and a monthly repayment of €364.43, except the last repayment of €364.68. Front-end fee of 1.5%. Assessment fee of 0.5%. Total amount owed: €17,792.89. Total amount of interest: €2,492.89. Total cost of credit: €2,792.89.
Nominal annual rate: 7.75%. AER: 8.955% calculated for the principal of a loan amounting to €30,000 having a five-year term and a monthly repayment of €604.72, except the last repayment of €604.97. Front-end fee of 1.5%. Assessment fee of 0.5%. Total amount owed: €36,883.45. Total amount of interest: €6,283.45. Total cost of credit: €6,883.45.
The French amortisation method has been used to calculate the repayments.
The AERs in the examples described vary according to loan's principal and term.
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