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CatalanDiscounted Sustainable Loan
Make changes that make a difference in your home and your mobility
Improve energy efficiency in your everyday decisions: less consumption, more savings and greater peace of mind.
Taking out a loan requires proof of what you will use the funds for. You will therefore have to provide the purchase invoice or the renovation project quote within 90 days to prove that the loan amount has been used for one of the purposes classified as sustainable. If the documents are not provided on time or if the sustainability criteria for the loan are not met, the annual nominal interest rate will be increased by 1% from the 4th instalment2 .
A loan for every need
Whatever your goal, we have a loan designed to help you make the move towards more efficient and environmentally responsible consumption. Discover them now!
Everything designed to make things easier for you
More benefits, fewer costs
No arrangement fee
Enjoy a loan with no arrangement fee and repayment terms of up to 7 years.
100% digital
Calculate your repayments and apply for your loan through the Santander App or Online Banking.
Decision on the spot
Receive the money in your account quickly and get started straight away.
Receive a bonus of €6503 for your electric car!
An extra incentive for making the switch
If you’ve purchased or financed a fully electric vehicle, and you're a customer, you can request a bonus of €650 by having us process the Energy Savings Certificate (CAE). Find out how!
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Transparency without the small print
At Banco Santander, we want you to make decisions with all the information at hand and no nasty surprises. That’s why we explain the conditions of our promotions clearly and simply, avoiding the dreaded fine print. Here, transparency comes first.
Financing transactions subject to the Bank’s prior approval.
Pursuant to prevailing EU legislation, you have the European Standardised Information Sheet on loans available at your branch.
1. APR calculated for a loan signed on the first day of the month:
· From: Loan of €15,000 over a 7-year period, NIR 4.24%; APR 4.32%. No arrangement fee. Total amount repayable €17,362.33 (€15,000 amount requested + €2,362.33 interest + €0 fees). Monthly instalment: €206.69. Total cost of the loan: €2,362.33.
· Up to: Loan of €15,000 over a 7-year period, NIR 10,75%; APR 11,29%. No arrangement fee. Total amount repayable €21,409,00 (€15,000 amount requested + €6,409.00 interest + €0 fees). Monthly instalment: €254.87. Total cost of the loan: €6,409.00.
Scenario for a loan arranged on the first day of the month. If it is signed on a day other than the first day of the month, an initial interest instalment will be paid on the days elapsing between the date of signature and the first day of the next month. Calculations carried out according to the French repayment system. The NIR and APR will depend on the customer's credit profile.
2. You have 90 days to provide the documentation that allows us to verify the quote and whether the sustainability criteria for the loan purpose are met. If the documents are not submitted on time, the 1% discount on the annual nominal interest rate will be deducted from the 4th instalment.
APR calculated for a loan signed on the last day of the month, if the purpose of the loan is not the purchase of sustainable goods or services:
·From: APR 5,29%, for a loan of €15,000 over a period of 7 years. NIR 4.24% for the first three months and NIR 5.24% from the 4th instalment; no arrangement fee. Total amount repayable €17,910.87 (€15,000 amount requested + €2,910.87 interest + €0 fees). Monthly instalment, first 3 months: €206.69. Instalment from the fourth month onwards: €213.47. Total cost of the loan: €2,910.87.
·Up to: APR 12,31%, for a loan of €15,000 over a period of 7 years, NIR 10.75% for the first three months and NIR 11.75% from the 4th month onwards; no arrangement fee. Total amount repayable € 22,030.78 (€15,000 amount requested + € 7,030.78 interest + €0 fees). Monthly instalment, first 3 months: €254.87. Instalment from the fourth month onwards: €262.55. Total cost of the loan: €7,030.78.
3. Banco Santander, S.A. informs you that the advertised service is provided exclusively and independently by INTERACCIÓN DE ENERGÍAS, S.L. (Grintek), with registered office at Calle Monestir de Poblet, 46, 46015 Valencia, and with tax ID number B-21888888. If you wish to arrange the service, you must enter into the relevant agreement with GRINTEK, subject to the requirements and terms established by GRINTEK from time to time. GRINTEK will act as data controller in respect of your personal data for the purposes of performing the service and will inform you about the processing of your data in accordance with its data protection policy. Banco Santander, S.A. plays no part in the service provided by GRINTEK and under no circumstances will it be liable for the terms or quality of the service arranged with GRINTEK. No liability arising from your relationship with GRINTEK may be attributed to Banco Santander, S.A. At no time does Banco Santander, S.A. provide accounting, legal, financial, tax or any other advisory service, nor is it involved in any way in your relationship with GRINTEK. Banco Santander, S.A. receives a fee for this collaboration. Incentive available to Santander customers. If you are not a Santander customer, you can still rely on the support of our technology partner and receive an incentive of €450. What's more, if you become a Santander customer during the CAE application process, you will be eligible for the full incentive.