Civil servants

1. APR 0% on the assumption that a daily balance of €7,000 is held constantly for 1 year, subject to an annual nominal interest rate of 0% and with an account maintenance fee of €0.
2. Insurance through Santander Intermediación Correduría de Seguros, S.A. According to the conditions of the policy listed as J-989 in the Special Insurance Brokerage Company Register. Third-party liability and financial capacity covered in accordance with applicable law.
3. Card eligibility subject to the bank's prior approval. This card allows payment to be deferred. Bear in mind that if you choose too low a repayment, your debt may remain outstanding longer than expected, given that your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card responsibly. Abusive usage of financing entails a risk of indebtedness with long-term consequences that may affect your financial planning.
4. Representative example (as per the parameters set forth in the standard on regulation and control of advertising of banking services and products): NIR 18%. APR: 19.56%, calculated based on a drawdown of €1,500 and an issuance and maintenance fee of €0. Total amount repayable €2,114.88, to be repaid in 48 monthly instalments of €44.06. However, please note that, pursuant to the minimum limits for the repayment instalments provided for in the agreement (3% of the drawn balance with a minimum of €25) and considering the same drawdown, the total amount repayable will be €1,835.19 to be repaid in 27 monthly instalments of €67.97. Calculations made in accordance with the fixed-instalment repayment system.
5. Financing transactions subject to the Bank’s prior approval.
6. Financing subject to prior approval by the bank. Request the INE (European Standard Information) at your office. APR of 2.04% calculated according to the French repayment system in constant installments for loans amounting to € 6,000 that is amortized in advance in the 6th month. Total amount owed € 6,060, broken down into: € 6,000 principal + € 60 opening commission + € 0 interest. A one-time fee in the sixth month of € 6,000. From the 7th month nominal annual interest rate 11% (APR 8.74%) calculated according to the French repayment system in constant installments for loan amounting to € 6,000 for a term of 36 months. Total amount due 6,950.10, broken down into: € 6,000 principal + € 60 opening commission + € 890.10 interest. Monthly fee for the first six months € 0. Fee from month 7 to 36: € 229.67.
Total cost of the loan: € 1,010.10.