LOANS

Ganador Loan

A loan as unique as you are, so that you can carry out your projects and also “earn points”¹.

FIND OUT

MAXIMUM AMOUNT

from 80.000€.

FLEXIBILITY

because you can return it in up to 7 years.

COMFORT

because you choose the monthly fee you want to pay

Comfortable and flexible consumer financing

The Préstamo Ganador is a fixed rate consumer loan with which you “earn points” if you meet its conditions¹.

The Préstamo Ganador offers you:

Annual nominal interest rate: 5.75% (fixed rate).
APR² 8.81% meeting conditions.
Opening Commission (financed): 2.25%.
Comfort: because you choose the monthly repayment you want to pay.
Flexibility: because you can repay it over up to 7 years.
Maximum amount € 80,000.
Security: because every day you are exposed to risks or difficulties that can alter your peace of mind or that of your family, you will be able to guarantee the repayments in the event of death, permanent absolute disability, temporary disability or unemployment³.

Financing operations subject to prior approval by the Bank. Ask for the credit agreement information sheet (INE) at your branch.
1. Conditions: (a) Have your salary or pension paid in (min. €700/month. If you are self-employed, it will be necessary to have a direct debit for social security payments set up. If this condition is not met, the NIR will be increased by 1% (b) Take out a Loan Protection Insurance, otherwise the NIR will be increased by 0.75%. See conditions and interest rates at your branch office, with your manager or by calling 915 123 123. Both conditions are independent of each other and will be reviewed annually.
2. Calculation of the APR for a loan signed on the last day of the month for an amount of € 12,000 for a term of 6 years and opening fee 2.25% financed:
· For a customer who meets payroll and insurance condition: TIN 5.75%; APR 8.81%. Opening fee financed: 285,10€. Total amount due €15,349.68; monthly fee 213,19 €.
· For a customer who meets payroll condition, but not insurance TIN 5.75% 1st year; TIN 6.50% rest years; APR 7.27%. Opening fee financed: 270,00€. Total amount due €14,757.60; monthly fee: 201,90€ first year; 205,58€ rest of years.
· For a client who does not meet payroll condition, but insurance: TIN 5.75% 1st year; TIN 6.75% rest years; APR 9.56%. Opening fee financed: 285,10€. Total amount due €15,660.48; monthly fee: 213,19€ first year; 218,37€ rest of years.
· For a customer who does not meet payroll or insurance status: TIN 5.75% 1st year; TIN 7.50% rest years; APR 8.00%. Opening fee financed: 270,00€. Total amount due €15,054.60; monthly fee: 201,90€ first year; 210,53€ rest of years.
Calculations made using the French depreciation system. The total amount due includes the amount requested, commissions and interest, as well as, where appropriate, the single insurance premium financed by an amount of € 670.94 calculated for a person of 40 years.
If the transaction is signed on a day other than the last day of the month, a first installment of interest corresponding to the days between the day of signature and the last day of the month will be settled. No study commission. Early cancellation fee 1% if the cancellation period and the expiration date is greater than one year and 0.50% if said term does not exceed one year.
Apply for the INE in your office.
3. Insurance brokered by Santander Mediación Operador de Banca-Seguros Vinculado S.A., VAT No. (CIF) A-28360311, via its Distribution Network: Operator entered in the Register of the Directorate General of Insurance and Pension Funds with no. OV-0042. Civil Liability and Financial Capacity covered in accordance with current legislation. Insurance Company: Santander Seguros y Reaseguros Compañía Aseguradora, S.A. Consult the Insurance Companies with which the Operator maintains an Agency Contract for the distribution of insurance products at www.santandermediacionobsv.com. Subject to the contractual conditions of the insurance policy.

Get started now

Check here if you have your pre-granted loan and its conditions

MORE INFORMATION

Shall we discuss it?

If you have any questions or want to know more, call us at

915 123 123

WE CALL YOU

You decide how and where to take out the loan

Come to your Santander branch and apply for the Préstamo Ganador.
And if you are a customer and you have a Digital Banking Agreement and an electronic signature you can check via Online Banking whether you already have a pre-approved loan available.

In the bancosantander.es customer area within the global position/customer area.
Through the mobile banking app,under the “My offers” section. If you don't have it yet, download it here
Or call Superlinea on 915123123.

Financing operations subject to prior approval by the Bank. Ask for the credit agreement information sheet (INE) at your branch.
1. Conditions: (a) Have your salary or pension paid in (min. €700/month. If you are self-employed, it will be necessary to have a direct debit for social security payments set up. If this condition is not met, the NIR will be increased by 1% (b) Take out a Loan Protection Insurance, otherwise the NIR will be increased by 0.75%. See conditions and interest rates at your branch office, with your manager or by calling 915 123 123. Both conditions are independent of each other and will be reviewed annually.
2. Calculation of the APR for a loan signed on the last day of the month for an amount of € 12,000 for a term of 6 years and opening fee 2.25% financed:
· For a customer who meets payroll and insurance condition: TIN 5.75%; APR 8.81%. Opening fee financed: 285,10€. Total amount due €15,349.68; monthly fee 213,19 €.
· For a customer who meets payroll condition, but not insurance TIN 5.75% 1st year; TIN 6.50% rest years; APR 7.27%. Opening fee financed: 270,00€. Total amount due €14,757.60; monthly fee: 201,90€ first year; 205,58€ rest of years.
· For a client who does not meet payroll condition, but insurance: TIN 5.75% 1st year; TIN 6.75% rest years; APR 9.56%. Opening fee financed: 285,10€. Total amount due €15,660.48; monthly fee: 213,19€ first year; 218,37€ rest of years.
· For a customer who does not meet payroll or insurance status: TIN 5.75% 1st year; TIN 7.50% rest years; APR 8.00%. Opening fee financed: 270,00€. Total amount due €15,054.60; monthly fee: 201,90€ first year; 210,53€ rest of years.
Calculations made using the French depreciation system. The total amount due includes the amount requested, commissions and interest, as well as, where appropriate, the single insurance premium financed by an amount of € 670.94 calculated for a person of 40 years.
If the transaction is signed on a day other than the last day of the month, a first installment of interest corresponding to the days between the day of signature and the last day of the month will be settled. No study commission. Early cancellation fee 1% if the cancellation period and the expiration date is greater than one year and 0.50% if said term does not exceed one year.
Apply for the INE in your office.
3. Insurance brokered by Santander Mediación Operador de Banca-Seguros Vinculado S.A., VAT No. (CIF) A-28360311, via its Distribution Network: Operator entered in the Register of the Directorate General of Insurance and Pension Funds with no. OV-0042. Civil Liability and Financial Capacity covered in accordance with current legislation. Insurance Company: Santander Seguros y Reaseguros Compañía Aseguradora, S.A. Consult the Insurance Companies with which the Operator maintains an Agency Contract for the distribution of insurance products at www.santandermediacionobsv.com. Subject to the contractual conditions of the insurance policy.