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Employee loans and advances
- First home loan, starting from a minimum of 200,000 euros (reviewed annually for inflation). Interest rate: 55% of the Euribor.
- Employee loans for sundry purposes: Maximum of 36,000 euros, with a repayment term of up to 10 years. Interest rate: 100% of the Euribor.
- Interest-free advances of three or six months' payment.
- Home purchase loan with mortgage collateral, for up to 110% of the investment or appraised value, whichever is lower, for transactions other than the Collective Agreement loan. Other transactions: up to 85% of the appraised value. Repayment term of up to 40 years with cut-off at age 70. Interest rate: Euribor + 0.39.
- Credit Account for the purchase of a principal residence (self-developer transactions; bridging facility while waiting to sell the old home). Repayment term of up to 36 months. Interest rate: Euribor + 0.39.
- Zero fees on the transactions typical of a family economy that go through the employee or associated account, and in securities sales or purchases up to €36,060 and/or 15 operations.