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Occasional Expansion Loan

Préstamo Expansión Puntual

If a need arises, we have the solution. Now you can make some extraordinary purchases, get the latest technology or face an unforeseen expense for very little a month and with total ease.

With an Expansión Puntual Loan you can get up to € 3,000, repay it in instalments as it suits you and without paying interest (APR 5.94 % / 27.43 %)(1).


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  • Feature
       
    Nominal annual interest rate: 0.00 %(1)
    Amount: From 1,000 eruos to 3,000 euros
    Period: 1, 3, 6 or 10 months
    APR: From 5.94 % to 27.43 %(1)
    Arrangement fee: From 20 euros to 100 euros(1)*
    Assessment fee: 0.00 %


    Offer valid until 31/12/2020. Conditions valid for individuals who have been customers for over 6 months and made their application via remote channels for amounts between 1,000 euros and 3,000 euros. The granting of the loan, its amount and the repayment period for each transaction requested will be determined by and contingent on the bank’s risk criteria.

    (1) One-off Expansion Loan at 0.00% NIR (APR from 5.94% to 26.27%). The APR may change, depending on the repayment period and amount of the transaction, due to the existence of fixed fee brackets. The APR calculation includes a fixed arrangement fee depending on the term (1 month - €20 / 3 months - €30 / 6 months - €50 / 10 months - €100).

    Minimum APR of 5.94% for a requested amount of 3,000 euros, to be repaid over 6 months at an annual nominal interest rate of 0%, with monthly instalments of 500 euros. The calculation of the APR includes the 50-euro arrangement fee and the 0% assessment fee. The 50-euro arrangement fee will not be financed. Total debt amount: 3,050 euros. Total cost of the loan: 50 euros.

    Minimum APR of 27.43% for a requested amount of 1,000 euros, to be repaid over 1 month at an annual nominal interest rate of 0%, with monthly instalments of 1,000 euros. The calculation of the APR includes the 20-euro arrangement fee and the 0% assessment fee. The 20-euro arrangement fee will not be financed. Total debt amount: 1,020 euros. Total cost of the loan: 20 euros.

    APR of 6.22% for a requested amount of 3,000 euros, to be repaid over 3 months at an annual nominal interest rate of 0%, with monthly instalments of 1,000 euros. The calculation of the APR includes the 30-euro arrangement fee and the 0% assessment fee. The 30-euro arrangement fee will not be financed. Total debt amount: 3,030 euros. Total cost of the loan: 30 euros.

    APR of 26.27% for a requested amount of 1,000 euros, to be repaid over 10 months at an annual nominal interest rate of 0%, with monthly instalments of 100 euros. The calculation of the APR includes the 100-euro arrangement fee and the 0% assessment fee. The 100-euro arrangement fee will not be financed. Total debt amount: 1,100 euros. Total cost of the loan: 100 euros.


    Repayment system and calculation formula for the repayment of the principal debt and the interest:
    The French repayment system, which features a system of consistent instalments, is used for the calculation of the instalments to be paid. In other words, the same amount is paid every month, provided that the interest rate applicable to the transaction does not vary during the settlement period or that no early repayments have been made.

    Valid for loans with a personal guarantee to individuals (natural persons) (excluding business and professional purposes) under the conditions established in the Letter of Commitment to Immediate Payment of the Expansion Loan, which you can read at your branch or on our website. The response time for accepting or refusing to grant the loan takes into account the number of working days for the branch that processes the transaction and starts at the moment when, once the application has been duly completed by the customer, the latter provides the documentation required by the bank to assess the risk and evaluate the transaction and, additionally, in the case of non-customers, following the customer’s prior effective registration. For the payment of the amount, in the event that the loan transaction is approved in accordance with Banco Sabadell’s risk criteria, the period will start on the day on which the loan agreement is signed.