* Product advertised: personal loan.
Loan offered by Nuevo Micro Bank, S.A.U. (Microbank) with tax ID A65619421, and listed in the Bank of Spain Official Register of Companies under number 0133. CaixaBank, S.A. markets Microbank products.
imaginersGen S.A. is the entity that offers financing solutions and is an agent of CaixaBank, S.A., with registered office at Calle Pintor Sorolla, 2-4, 46002 Valencia, and Tax ID number A-08663619, listed in the Mercantile Register of Valencia, Volume 10370, Sheet 1, Page V-178351, and in the Special Administrative Register of the Bank of Spain, under number 2100.
The approval of this operation is subject to the analysis of the applicant's credit rating and repayment capacity, as per the risk policies of CaixaBank.
This financing is possible thanks to the support of the European Investment Fund (EIF) within the InvestEU guarantee programme. The goal is to help support financing, implement productive investments in the European Union and increase access to finance.
1. The grace period is the time during which you only pay interest. Once this period is over, your bill will include interest and principal. The grace period on the principal is optional as long as the total loan duration with the grace period included does not exceed 10 and a half years. A maximum optional principal grace period of up to 54 months from the start of the loan, provided that the end of this grace period does not exceed 12 months after the studies have ended.
2. Up to 100% of the cost of the studies can be financed. This amount cannot exceed €30,000.
3. The loan has a €0 commitment fee. Representative example: 8.192% AER calculated for a €5,000 loan. 7.90% NIR. Repayable over 72 months. Total cost of the loan: €1,294.40. Total amount owed €6,294.40 (€5,000 principal + €1,294.40 interest). 71 monthly payments of €87.42. The payment of month 72 shall be €87.58. French repayment system.
4. This coupon must be in your name, it is non-transferable and cannot be combined with other coupons. It is valid until 31/12/2025. It may not be used to pay for products for which Facilitea acts as an intermediary (e.g., insurance policies or alarm services) or products in the outlet or refurbished section. It may be redeemed once only, for the full amount, on purchases over the value of the coupon. If you return the product purchased, the amount will be refunded through a new coupon that will have that same validity date. Amounts will never be refunded by another method (cash, transfer, etc.). The use of the coupon is subject to personal income tax as payment in kind and is subject to payment on account in accordance with current legislation. The coupon will be taxed in your personal income tax in the year in which the coupon is redeemed. CaixaBank will make a deposit in the customer's account to cover the amount to be withheld for tax purposes.
5. TERMS AND CONDITIONS OF SALE. Products sold by Facilitea Selectplace, S.A.U., Gran Via de les Corts Catalanes, 159, 08014 Barcelona. Tax ID: A58481730.
6. No account maintenance fee. The account is not remunerated 0% AER, 0% NIR. CaixaBank, S.A., with Tax ID A08663619, registered in the Special Administrative Register of the Bank of Spain, under code 2100, is the entity offering the bank account.
7. No card issuance or maintenance fee. The credit/debit card is offered by the hybrid payment institution CAIXABANK PAYMENTS & CONSUMER, E.F.C., E.P., S.A.U., (hereinafter CPC), with registered office at Avenida de Manoteras n.º 20, Edificio París (28050 Madrid). The system chosen by CPC to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. Issuance of the credit card subject to approval by CPC. CaixaBank markets the products of CPC.
