Expansión Loan

Conditions:

The approval, the sum and term of each operation requested shall be determined by, and contingent upon, the bank’s risk criteria.

(1) Valid for personally-secured loans for natural persons (excluding business or professional purposes) up to 18,000 euros under the conditions set out in the Letter of Commitment to Immediate Crediting of the Préstamo Expansión Loan, which is available at your branch and on our website. The response times for acceptance of refusal of the approval of the loan take into account days that are business days for the branch processing the operation, counting from the time when the customer, having duly completed the application, provides the documentation required by the bank to assess the risk and evaluate the operation, and in the case of non-customers, following their registration as customers. In the event the operation is approved in accordance with the risk criteria of Banco Sabadell, the payment period will commence as from the loan arrangement being formalised.

(2) Expansión Loan at 8.75%% NIR. Interest rate and arrangement and assessment fees for customers of over 6 months with salary direct deposited and Total Loan Protection insurance and contingent upon the risk classification. Offer valid until 30/09/2019. Conditions valid for applications submitted via remote channels for sums from 2,500 euros to 60.000 euros.

(3) The APR calculation includes the arrangement fee of 2.50% (minimum €75) and assessment fee of 0.5% (minimum €30) calculated on the amount of the loan and the purchase of Total Loan Protection insurance for a person aged 34. Instalment calculated without taking into account the optional three-month grace period. Ask at your branch about the possibility of financing the insurance premium.

Example for an application for 2,500 euros:

Minimum APR of 12.05% to be repaid in 96 months at an interest rate of a nominal annual 8.75% and a monthly instalment of 36.31 euros and purchase of Total Loan Protection, with a premium of 118.03 euros. The last instalment is for a lower sum: 35.17 euros. Total amount outstanding: 3,707.65 euros.

Maximum APR of 20.48% to be repaid in 18 months at an interest rate of a nominal annual 8.75% and a monthly instalment of 148.71 euros and the purchase of Total Loan Protection, with a premium of 77.84 euros. The last instalment is for a lower sum: 148.62 euros. Total amount outstanding: 2,859.53 euros.

Example for an application for 5,000 euros:

Minimum APR of 11.66% to be repaid in 96 months at an interest rate of a nominal annual 8.75% and a monthly instalment of 72.61 euros and the purchase of Total Loan Protection, with a premium of 236.06 euros. The last instalment is for a lower sum: 71.75 euros. Total amount outstanding: 7,360.08 euros.

Maximum APR of 18.62% to be repaid in 18 months at an interest rate of a nominal annual 8.75% and a monthly instalment of 297.42 euros and the purchase of Total Loan Protection, with a premium of 155.69 euros. The last instalment is for a lower sum: 297.25 euros. Total amount outstanding: 5,664.08 euros.

Example for an application for 12,000 euros:

Minimum APR of 11.63% to be repaid in 96 months at an interest rate of a nominal annual 8.75% and a monthly instalment of 174.26 euros and the purchase of Total Loan Protection, with a premium of 566.54 euros. The last instalment is for a lower sum: 172.83 euros. Total amount outstanding: 17,654.07 euros.

Maximum APR of 18.45% to be repaid in 18 months at an interest rate of a nominal annual 8.75% and a monthly instalment of 713.80 euros and the purchase of Total Loan Protection, with a premium of 373.64 euros. The last instalment is for a lower sum: 713.68 euros. Total amount outstanding: 13,581.92 euros.

(4) Should the period from the repayment date until the loan maturity date exceed 1 year, the applicable compensation is 1%.

Instalment calculated without taking into account the optional three-month grace period. Ask at your branch about the possibility of financing the insurance premium.

Additional information on loan-related insurance:

Total Loan Protection includes Total Life Protection and Total Payment Protection.

Total Life Protection is life insurance from BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros and Total Payment Protection is insurance from BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros and both are brokered by BanSabadell Mediación, Associated bank-insurance operator of the Grupo Banco Sabadell S.A., with tax I.D. A03424223 and registered office in Avda. Óscar Esplá, 37, 03007 Alicante. Registered in the Companies Register of Alicante and in the DGS and FP, with code OV-0004. It has civil liability insurance and financial capacity according to the Law on private insurance and reinsurance brokerage. You may consult the insurance entities with which BanSabadell Mediación has entered into insurance brokerage contracts at website www.bancosabadell.com/bsmediacion.

BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID. A08371908 and registered offices in Calle Isabel Colbrand, 22, 28050 Madrid, registered in Madrid Companies Register and in the Register of Insurance Entities of the DGS and FP, with code C-0557.

BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, with tax I.D. A64194590 and registered office in Calle Isabel Colbrand, 22, 28050 Madrid, registered in Madrid Companies Register and in the Register of Insurance Entities of the DGS and FP, with code C-0767.