You can use this loan to finance up to 100% of the enrolment costs, with special terms and conditions:
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Amount. Up to 100% of enrolment costs if a bank guarantee is provided; 80% in all other cases. |
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Interest-only period. You can choose to pay lower instalments over the first two years by paying interest only. |
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Maximum term. Up to 9 years, including the interest-only period, enabling you to tailor the instalments to your needs. |
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No comissions. €0 in arrangement, appraisal and early repayment fees. |
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Interest rate. An exclusive interest rate for financing enrolment on IESE courses, specially designed for the next generation of talent. |
To apply or for more information, please write to [email protected]
Residents in Spain
| Features | With bank guarantee | With direct deposit for the salary or professional income 1 | Other cases |
|---|---|---|---|
| % Financing | 100% | 80% | 80% |
| Fixed interest rate | 3.50% | 3.50% | 5.00% |
| Effective APR | 3.56%2 | 3.56%3 | 5.12%4 |
| Arrangement fee | €0 | €0 | €0 |
| Appraisal fee | €0 | €0 | €0 |
| Repayment fee | €0 | €0 | €0 |
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Instalments for a total term of 9 years |
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| Example amount | €80,000 | €60,000 | €60,000 |
| Interest-only (first 2 years) | €233.33 | €175.00 | €250.00 |
| Remaining years (7 years) | €1,075.19 | €806.39 | €848.03 |
ADVERTISING
1. Provided the direct deposit for the salary or professional income of the group (calculated individually) > €2,000/month.
2. Representative example: Effective APR 3.56% calculated for a loan of €80,000 drawn down all at once. For a total term of 9 years (2 for interest only and 7 for amortisation), you would pay 24 monthly instalments of €233.33 (during the interest-only period) and 83 monthly instalments of €1,075.19 and a last one of €1,075.01 (during the amortisation period). Total amount paid: €95,915.70 (€80,000 capital + €15,915.70 interest). Total cost of credit: €15,915.70. No arrangement or credit-check fees. French-style repayment system.
3. Representative example: Effective APR 3.56% calculated for a loan of €60,000 drawn down all at once. For a total term of 9 years (2 for interest only and 7 for amortisation), you would pay 24 monthly instalments of €122.50 (during the interest-only period) and 83 monthly instalments of €806.39 and a last one of €806.52 (during the amortisation period). Total amount paid: €71,936.89 (€60,000 capital + €11,936.89 interest). Total cost of credit: €11,936.89. No arrangement or credit-check fees. French-style repayment system.
4. Representative example: Effective APR 5.12% calculated for a loan of €60,000 drawn down all at once. For a total term of 9 years (2 for interest only and 7 for amortisation), you would pay 24 monthly instalments of €250.00 (during the interest-only period) and 83 monthly instalments of €848.03 and a last one of €848.46 (during the amortisation period). Total amount paid: €77,235.95 (€60,000 capital + €17,234.75 interest). Total cost of credit: €17,234.75. No arrangement or credit-check fees. French-style repayment system.
Loan terms valid for new operations only and the granting of the loan is subject to an analysis of the applicant's credit score and repayment capacity, according to CaixaBank's risk policies.
NRI: 22975-2023-17195