Example of financing of usual residence: 5.1) If all the bonus conditions are met, based on the theory that you can select the maximum bonus: (i) Amount: €150,000. (ii) Duration: 20 years. (iii) Arrangement fee: 1 %, with a minimum of €500.00. (iv) Interest rate: fixed, 2.35 % Nominal Interest Rate. (v) 4.208 % APR (the AER may vary depending on the amount and term). (vi) Payment: €783.94 (last payment: €783.54). (vii) No. of payments: 240. (viii) Total amount to pay (expenses included): €218,582.69. 5.2) If the bonus conditions are not met: (i) Amount: €150,000. (ii) Duration: 20 years. (iii) Arrangement fee: 1 %, with a minimum of €500.00. (iv) Interest rate: fixed, 3.55 % Nominal Interest Rate. (v) 3.982% APR. (vi) Payment: €873.80 (last payment: €873.28). (vii) No. of payments: 240. (viii) Total amount to pay (expenses included): €215,019.59. Other common financing conditions: (i) Compensation for waiver if the extraordinary depreciation is less than 5 years: 0.50 %; rest of cases: 0.25 %. (ii) Compensation for interest rate risk: 2.5 %. Preparatory expenses: (i) Taxes: €1,215.74, for a mortgage responsibility of €162,099 and a tax rate of 0.75%. (ii) Register verification: €10.91. (iii) Valuation: €254.10. (iv) Management: €181.50. In the event that the financing is not allocated to a business, professional or commercial purpose, CaixaBank will be responsible for the expenses of recording the mortgage in the Property Register, the management expenses arising from managing and processing said recording at the Property Register and the expenses involved in sending the notarial copies in CaixaBank’s interest. *Associated ancillary services: fire and damage insurance: €107.29 annual premium. Amount of the annual premium based on the theory that this will not vary during the term of the transaction. The amount is merely a guideline and takes into consideration damage insurance products sold by CaixaBank, S.A. (example based on a mortgage loan with capital totalling €150,000 with respect to a property valued at €188,395 and for a cover of €102,066, with the amount to be paid for this concept during the term of the transaction being €2,145.80).
Bonus conditions. Percentage points that will be subtracted from the Nominal Interest Rate, with the maximum bonus limit that is set in each case, if the following products are taken out: (i) Salary or pension deposit equal to or above €600 + three direct debit payments + purchases on cards sold by CaixaBank, S.A. where the owner is the party in default and the relevant card payments are charged directly to an open demand deposit account, where said card has been used for at least three purchases during the last three months: 0.4 points. (ii)* Taking out fire and damage insurance with the entity for a minimum of 3 years: 0.2 points. (iii) Taking out a health insurance (€633.99 annual premium): 0.2 points. (iv) Taking out a Securitas Direct alarm service with intermediation by CaixaBank (€64.70 financed monthly premium–personal loan of €2,329.25 at 36 months, APR 0 %, rest of the term €49.6): 0.2 points. (v) Investment in investment funds, managed portfolios, unit linked or pension plans with an average annual balance exceeding €25,000 per year: 0.2 points. The services indicated must always be sold by CaixaBank in order to obtain the bonus. Taking out the preceding list of products is optional, except for the damage insurance, which is compulsory throughout the duration of the loan. Each one can be taken out independently.
Warning: (i) Failure to comply with the obligations arising from the loan can incur serious consequences for the mortgage debtor, his guarantor or for the owner of the mortgaged property, such as losing the dwelling and other goods. (ii) CaixaBank reserves the right to deny granting the transaction, or to approving it according to the conditions it deems appropriate, following a solvency analysis of the applicant and depending on the entity’s risk criteria. (iii) The APR, according to the law, comprises the financial conditions of the example, the expenses and ancillary services, under the assumption that the insurance premium will not vary during the term of the contract.
SegurCaixa Hogar Premium, SegurCaixa Auto and Adeslas Premium are insurances by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, sold by CaixaBank, S.A., exclusive insurance-banking operator of VidaCaixa, S.A.U. de Seguros y Reaseguros, and authorised by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, assigned Tax Identification No. A08663619 and with registered offices in Pintor Sorolla Street, 2-4, 46002 Valencia, and listed on the Insurance DGSFP Mediators Register with code C0611A08663619.
NRI: 16356-2018-5555
