Expansión Loan

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)Expansion Loan at 8.25% NIR. Interest rate and arrangement and assessment fees for natural persons (excluding business and professional purposes) for customers who have been with the bank for more than six months, with their salary paid directly into their account and who have contracted the Total Loan Protection insurance and subject to the risk assessment.

Offer valid until 30/12/2021. Conditions valid for applications made through remote channels for amounts ranging from €2,500 to €60,000.

(2)The APR may vary, depending on the repayment period and amount of the transaction as a percentage fee applies. The calculation of the APR includes an arrangement fee of 2.50% (minimum €75) and an assessment fee of 0.25% (minimum €30) calculated on the term and amount of the loan requested and the contracting of the Total Loan Protection Insurance for a person aged 34. Fee calculated without taking into account the three-month optional waiting period. Check with your branch about the possibility of financing the insurance premium.

Example for a requested loan amount of €2,500:

Minimum APR of 11.47% to be repaid in 96 months, at an annual nominal interest rate of 8.25% and a monthly payment of €35.66, and the contracting of the Total Loan Protection Insurance with a single payment premium of €118.03. Total debt amount: 3,646.39 euros. Total cost of the loan: 1,146.39 euros. Total amount of interest on the loan: 923.36 euros. Arrangement fee €75 and assessment fee €30.

Maximum APR of 21.22% to be repaid in 18 months, at an annual nominal interest rate of 8.25% and a monthly payment of €148.14, and the contracting of the Total Loan Protection Insurance with a single premium payment of €97.46. The final instalment is of a lower amount: 148.07 euros. Total debt amount: 2,868.91 euros. Total cost of the loan: 368.91 euros. Total amount of interest on the loan: 166.45 euros. Arrangement fee €75 and assessment fee €30.

Example for a requested loan principal amount of €5,000:

Minimum APR of 10.98% to be repaid in 96 months, at an annual nominal interest rate of 8.25% and a monthly payment of €71.32, and the contracting of the Total Loan Protection Insurance with a single premium payment of €220.13. The final instalment is of a higher amount: €71.40. Total debt amount: 7,221.93 euros. Total cost of the loan: €2,221.93. Total amount of interest on the loan: 1,846.80 euros. Arrangement fee €125 and assessment fee €30.

Maximum APR of 17.90% to be repaid in 18 months, at an annual nominal interest rate of 8.25% and a monthly payment of €296.27, and the contracting of the Total Loan Protection Insurance with a single premium payment of €152.30. The final instalment is of a higher amount: €296.31. Total debt amount: 5,640.20 euros. Total cost of the loan: 640.20 euros. Total amount of interest on the loan: 332.90 euros. Arrangement fee €125 and assessment fee €30.

Example for a requested loan principal amount of €12,000:

Minimum APR of 10.86% to be repaid in 96 months, at an annual nominal interest rate of 8.25% and a monthly payment of €171.17, and the contracting of the Total Loan Protection Insurance with a single premium payment of €528.31. The final instalment is of a lower amount: 170.99 euros. Total debt amount: 17,290.45 euros. Total cost of the loan: 5,290.45 euros. Total amount of interest on the loan: 4,432.14 euros. Arrangement fee €300 and assessment fee €30.

Maximum APR of 17.21% to be repaid in 18 months, at an annual nominal interest rate of 8.25% and a monthly payment of €711.05, and the contracting of the Total Loan Protection Insurance with a single premium payment of €356.52. The final instalment is of a higher amount: €711.14. Total debt amount: €13,485.51. Total cost of the loan: 1,485.51 euros. Total amount of interest on the loan: 798.99 euros. Arrangement fee of 2.50% and assessment fee of 0.25% calculated in accordance with the principal amount of €12,000. Arrangement fee €300 and assessment fee €30.21

(3)If the loan is for the purpose of carrying out cosmetic renovations, which are not intended to prevent the property becoming completely derelict, the APR may vary, depending on the repayment period and the amount of the operation due to the existence of a percentage-based fee. The calculation of the APR includes an arrangement fee of 1.25% (minimum €50) and an assessment fee of 0.25% (minimum €15) calculated on the repayment period and the amount of the loan requested and the contracting of the Total Loan Protection Insurance for a person aged 34. The APR may vary depending on the amount and term of the loan. Fee calculated without taking into account the three-month optional waiting period. Check with your branch about the possibility of financing the insurance premium.

Example for a requested loan amount of €2,500:

Minimum APR APR of 10.92% to be repaid in 96 months, at an annual nominal interest rate of 8.25% and a monthly payment of €35.66, and the contracting of the Total Loan Protection Insurance with a single premium payment of €118.03. Total cost of the loan: 1,106.39 euros. Total amount of interest on the loan: €923.36, the total amount due: €3,606.39. Arrangement fee €50 and assessment fee €15.

Maximum APR of 18.49% to be repaid in 18 months, at an annual nominal interest rate of 8.25% and a monthly payment of €148.14, and the contracting of the Total Loan Protection Insurance with a single payment premium of €97.46. The final instalment is of a lower amount: 148.07 euros. Total cost of the loan: 328.91 euros. Total amount of interest on the loan: 166.45 euros. Total debt amount: 2,828.91 euros. Arrangement fee €50 and assessment fee €15.

Example for a requested principal amount of €5,000:

Minimum APR of 10.46% to be repaid in 96 months, at an annual nominal interest rate of 8.25% and a monthly payment of €71.32, and the contracting of the Total Loan Protection Insurance with a single payment premium of €220.13. The final instalment is of a higher amount: €71.40. Total cost of the loan: 2,144.43 euros. Total amount of interest on the loan: 1,846.80 euros. Total debt amount: 7,144.43 euros. Arrangement fee €62.50 and assessment fee €15.

Maximum APR of 15.40% to be repaid in 18 months, at an annual nominal interest rate of 8.25% and a monthly payment of €296.27, and the contracting of the Total Loan Protection Insurance with a single payment premium of €152.30. The final instalment is of a higher amount: €296.31. Total cost of the loan: 562.70 euros. Total amount of interest on the loan: 332.90 euros. Total debt amount: 5,562.70 euros. Arrangement fee €62.50 and assessment fee €15.

Example for a requested loan principal amount of €12,000:

Minimum APR of 10.44% to be repaid in 96 months, at an annual nominal interest rate of 8.25% and a monthly payment of €171.17, and the contracting of the Total Loan Protection Insurance with a single premium payment of €528.31. The final instalment is of a lower amount: 170.99 euros. Total cost of the loan: 5,140.45 euros. Total amount of interest on the loan: 4,432.14 euros. Total debt amount: 17,140.45 euros. Arrangement fee €150 and assessment fee €30.

Maximum APR of 15.21% to be repaid in 18 months, at an annual nominal interest rate of 8.25% and a monthly payment of €711.05, and the contracting of the Total Loan Protection Insurance with a single payment premium of €356.52. The final instalment is of a higher amount: €711.14. Total cost of the loan: 1,335.51 euros. Total amount of interest on the loan: 798.99 euros. Total debt amount: 13,335.51 euros. Arrangement fee €150 and assessment fee €30.

If the period from the early cancellation to the theoretical maturity of the contract is less than 12 months, the fee is 0.50%; if it is longer, it is 1.00%.

Repayment system and calculation formula for the repayment of the principal 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.

Additional information about the insurance linked to your loan: Total Loan Protection includes Total Life Protection and Total Payment Protection insurance. Total Life Protection is a life insurance policy of BanSabadell Vida, S.A. de Seguros y Reaseguros and Total Payment Protection is an insurance policy of BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros and both are brokered by BanSabadell Mediación. Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., NIF A03424223 and its registered address at Avenida Óscar Esplá, 37, 03007, Alicante, registered in the Com. Reg. of Alicante and in the DGSyFP Insurance Company Register, under code no. OV-0004, having taken out civil liability insurance and having financial capacity in accordance with the Private Insurance and Reinsurance Brokerage Act. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at the website: www.bancosabadell.com/bsmediacion.

BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Mercantile Register of Madrid and the DGSyFP Insurance Company Registry under code no. C-0557. BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, with Tax ID no. A64194590 and its registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Mercantile Register of Madrid and the DGSyFP Insurance Company Registry under code no. C-0767.