Total Career Loan

Learn more about this loan for university studies that will help you finance the costs of your career.

Request the SECCI at your branch. Transactions subject to prior approval by the bank.
1. 7.10% VariableAPR for a loan of 12.000 euros for a term of 5 years and arrangement fee (without financing) of 3% (360 euros), at a nominal annual interest rate of Euribor + 5.95%. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €57.13 and from month 7: €252.54 Total amount repayable: €14.339,94. Calculations according to the French repayment system. Reviewed yearly. Monthly instalments. The VariableAPR has been calculated on the assumption that the benchmark indices do not vary, so the APR will vary with each interest rate revision. (Euribor published in the Official Spanish State Gazette (BOE) in April 2022: -0.237%).
2. The parent must have at least one of the following with Banco Santander: salary, mortgage or pension plan. 6.03% VariableAPR for a loan of 12,000 euros for a period of 5 years and arrangement fee (without financing) of 3% (360 euros), at a nominal annual interest rate Euribor + 4.95%. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €47.13 and from month 7: €247.05. Total amount repayable: €13.983.48. Calculations according to the French repayment system. Reviewed yearly. Monthly instalments. The VariableAPR has been calculated on the assumption that the benchmark indices do not vary, so the APR will vary with each interest rate revision. (Euribor published in the Official Spanish State Gazette (BOE) in April 2022: -0.237%).
3. 4.97% VariableAPR for a loan of 12,000 euros for a period of 5 years and arrangement fee (without financing) of 3% (360 euros), at a nominal annual interest rate Euribor + 3.95%. Grace period for principal payments of 6 months. Interest rate during the grace period (from month 1 to month 6): €37.13 and from month 7: €241.65. Total amount repayable: €13.631,88. Calculations according to the French repayment system. Reviewed yearly. Monthly instalments. The VariableAPR has been calculated on the assumption that the benchmark indices do not vary, so the APR will vary with each interest rate revision. (Euribor published in the Official Spanish State Gazette (BOE) in April 2022: -0.237%).
4. The term will be equal to the duration of the studies plus one year, multiplied by two, with a maximum of 10 years. The grace period will have a limit of the duration of the studies plus one year, with a maximum of 6 years.

Financing solution for undergraduate and postgraduate students

Apply for a variable rate loan for your undergraduate or postgraduate studies. The Préstamo Total Carrera is a solution adapted to your financial needs that offers you the possibility of having a comfortable payment term after your studies.

A loan with which you will be able to cover the costs generated by the studies themselves, the enrolment and residing in the city in which you study.

If you are also a customer of Banco Santander, you can enjoy all the benefits of employment and training programmes designed for our young customers.

What are the requirements to access the Préstamo Total Carrera?

If you want to apply for the Préstamo Total Carrera to finance your university or postgraduate studies, these are the conditions:

Grace period: minimum of 6 months and a maximum of 6 years.
Provision. You can receive the loan in up to 6 annual instalments.
Nominal annual interest rate: 5.71% (eur12m+5,95% Euribor published in April 2022: -0.237%).
VariableAPR: 7.10%¹.
Interest payments: monthly.
Repayments: monthly.
Discount: -1% of the interest rate if any parent is a customer from the first year (Euribor + 4.95%, 6.03% APR)² and if in the previous year the holder passed all subjects -2%, from the second year (Euribor + 3.95%, 4.97% APR)³.
Arrangement fee: 3% (non financed).
Amount: up to € 80,000.
Term: 1-10 years⁴.