Loans and personal loans

Loans and personal loans

 

It was born as a result of the alliance between the Banc Sabadell group and a consortium of Andorran businessmen who wanted to invest in the company to make a better company.

In the last 10 years,  has established itself as a solvent and reliable company in Andorra thanks to the values of trust, service and solvency with which it is based.

Today, there are many products offered by BancSabadell d’Andorra , such as savings accounts, payroll accounts, savings funds, pensions and, of course, loans and mortgages designed in different schemes to suit all customers. Next, we will tell you about these schemes, their characteristics, advantages and particularities.

Loans and personal loans 

That is why the loans and personal loans offered to their clients are designed so that those who require personal financing can find a customized scheme that does not affect their pocket and that they can return easily and without further complications.

Next, we tell you a little more about the types of loans offered by BancSabadell d’Andorra so that you can analyze them and choose the one that best suits your needs.

Nowadays, education has become a necessity in order to guarantee a stable future economically and socially. The truth is that many people decide to stop studying for different reasons, being one of those who weigh the high costs of enrollment, not to mention the stays, transfers and the material required to achieve it.

But you should not let these obstacles interfere in your way to become a better professional, because in BancSabadell d’Andorra you will find the Studies Loan , with which you can finance all or part of the university studies you wish to study.

It also applies to language courses, specialization courses or even educational seminars. The characteristics of this type of loan include:

  • A fixed rate at 8.25% for up to 3 years
  • A commission for the opening of .50% per year starting with a minimum of 1%
  • Up to 3 years to repay the entire loan.

In addition to the documents that are required to apply for any loan at BancSabadell d’Andorra , you will also have to present an accreditation of the course you wish to study. This can be a letter copy that includes registration or pre-registration. Do not hesitate any more and continue the studies you have so desired with this special loan for you from BancSabadell d’Andorra.

computer loan

A computer is no longer a luxury, it is a necessity to be able to perform correctly at work or at school, without mentioning that it is the window to everything that happens in the world.

Owning a computer is quite an investment, so we must be very careful when selecting one. It is better to invest in one that has more complete and functional characteristics, although it is more expensive, than a cheap one which we have to change every year or every couple of years.

Thinking about this need, BancSabadell d’Andorra puts the computer loan at your disposal , so you can get your computer or any computer equipment without worrying about big payments that hurt your economy. The characteristics of this loan are:

  • An interest of the fixed rate at 8.25% for up to 5 years
  • An opening commission of .50% per year with a minimum term of 1%
  • Up to 5 years to return the entire payment.

As in the loan studies, the computer loan has an extra requirement to request it, but this is simply to present along with your documentation the invoice or the budget of the computer equipment to be purchased.

vehicle loan

It is increasingly difficult to transport if we do not have our own vehicle. Whether a car or a motorcycle, any vehicle that is ours and is at our disposal will greatly help us to be more efficient in all our activities. But the truth is that buying a vehicle of your own is a considerable expense that not all people can afford from one day to the next.

That is why Bsandorra puts at your disposal this option of special financing for vehicles, with which you can finally get that car, motorcycle, or any vehicle you want, paying it little by little and at your time, with a preferential rate and a long term to return it.

The vehicle loan has the following characteristics:

  • A fixed interest rate of 8.25% at 5 years
  • A commission for opening, 50% for one year with a minimum of 1%
  • Up to 5 years term for loan repayment.

In addition to the basic requirements for hiring a personal loan at BancSabadell d’Andorra, you will need to include in your documentation a proforma invoice of the vehicle you wish to finance with the vehicle loan of BancSabadell d’Andorra. Do not wait any longer and decide today to contract this loan and stop suffering for long and tired journeys.

reform loan

All families grow and change. There are times when a new member arrives in the family, we move, or we simply need a change in our context.

If you need to expand your home, paint it, change furniture, add windows or repair structural damage, this is the kind of loan you need.

For all these reforms, renovations and to buy furniture, BancSabadell d’Andorra puts at your disposal the loan reforms, with which you can make your dreams come true so that your home looks just as you have always imagined it.

The loan reform of BancSabadell d’Andorra has the following characteristics:

  • A fixed rate of 8.5% for up to 5 years
  • An opening commission of .50% for one year with a minimum of 1%
  • Up to 5 years to repay the entire loan.

If you wish to apply for this loan, do not forget to include a budget in the application documentation, where you include all the concepts to be financed.

In this way you can get a credit from BancSabadell d’Andorra with all the facilities and qualities you need to return to your home the vitality you need so that you and your family can live much happier and more comfortable in your home.

loan and credit simulators

You will find simulators to easily calculate any loan you wish to request. Just go to any of the pages that describe the loans and go to the section titled “How much will I pay?” In the Amount box enter the budget you need to finance, whether for your studies, your vehicle, your reform or your computer equipment.

Then, in the return period box enter the number of years in which you plan to return. Finally, enter the interest rate you want to apply to your loan.

The fee that you will have to pay during the first year on a monthly basis, as well as the rest of the loan’s duration, will also appear automatically on a monthly basis.

Do not hesitate to use this useful tool to calculate the loan that best suits your needs and possibilities. You will see that surely you will find a type of credit that will fit perfectly to you to meet your goals and projects.

The mortgages

The mortgages of BancSabadell d

At BancSabadell d’Andorra, you are also aware that sometimes, it takes more than a personal loan to finance our projects, even more if it is about the purchase of a house.

That is why BancSabadell d’Andorra offers you the Yellow Mortgage , of which we will talk a little more in depth in the following section.

Yellow Mortgage

BSA Yellow Mortgage

It does not matter if you want to finance the purchase of your first, second or third home, the Yellow Mortgage offers you a very useful credit scheme for whatever your situation is since it has the following characteristics:

  • By contracting the Yellow Mortgage of BancSabadell d’Andorra you can finance up to 80% of the total value of the purchase price of your new home. This way you will be able to insure your patrimony in a simple way and in a short time, since you will have to make an initial payment much smaller than what you would do if you acquired your house without any mortgage
  • The interest rate that is handled in the yellow mortgage is of the fixed rate at 4.5% the first year. Subsequently, the interest rate will change to a Euribor rate of -2.75% and above.
  • The term of return of your mortgage is very flexible, and it can be extended up to 30 years so that little by little and at your own pace you can make the necessary payments for your home.

Requirements 

Hiring a mortgage in BancSabadell d’Andorra is very simple, and the documents and requirements are easy to obtain, without mentioning that the processes are agile and you will always have a personalized attention service to solve all your doubts and take your suggestions.

If you are interested in obtaining a yellow mortgage in BancSabadell d’Andorra take into account the following documentation and requirements:

Documentation

  • Submit an appraisal report of the dwelling in question that does not have more than 6 tables of seniority.
  • Deliver the promise of sale of the house in question.
  • Attach CASS points

Additionally, people who are not BancSabadell d’Andorra customers will have to submit bank statements of the last six months at the time of the mortgage application.

Requirements

  • Be a resident in Andorra or have a business or company registered in the Principality of Andorra.
  • Be a client with an account of BancSabadell d’Andorra.

As you have seen, it is a very simple process and does not take much time, so do not wait any longer and go to the BancSabadell d’Andorra offices, or go to their website to request more personalized information and decide on this policy.

Credit Policy

BancSabadell d’Andorra offers another financing product called Credit Policy, with which you can keep your personal treasury balanced throughout the year, paying interest only when you use it.

This type of credit policy allows you to obtain immediate financing so that you can meet the specific treasury needs, with the flexible financing that BancSabadell d’Andorra puts at your disposal.

Among the features of this credit policy are:

  • It can be requested directly to your usual account, without having to open another specialized account for financing of this type.
  • The interest with which you work is of the type said at 8.25%
  • Additionally there is an opening commission of .50% per year with a minimum of 1%.
  • You have up to two years to make the return of your credit policy.
  • Interest payments can be quarterly.
  • You can check your balance in a simple, fast and secure way through the internet by BancaSabandell d’Andorra Online Banking.

Requirements for contracting  Credit Policy

Hiring a credit policy to obtain immediate financing is very simple and fast. The decantation and necessary requirements are the following:

Documentation:

  • An accreditation letter of the destination of the credit policy.
  • Letter with the points of the CASS of the holders.
  • If you are not a client of BancSabadell d’Andorra, bank statements of six months must also be submitted.

Requirements:

  • Be a resident in Andorra or have a business or company registered in the Principality of Andorra.
  • Be a client with an account of BancSabadell d’Andorra.

If you have the documentation and accounts with the requirements, what else are you waiting for? Go to your nearest BancSabadell d’Andorra branch office or enter the official website, where you can request more information or directly contract your credit policy without major problem.

Advantages of this type of credits and loans

BancSabadell d’Andorra offers multiple advantages compared to other credit institutions, since its main priority is that you can finance your personal projects without any problem:

  • Personalized loans with clear and fixed interest rates from the beginning, adapted to your needs and economic capacities.
  • Wide periods to return the loan, so you can go back little by little and without complications.
  • Online simulators that allow you to know in advance how much you will pay in total, without having to speculate about it or take complicated accounts.
  • Mortgage schemes with preferential interest rates that will allow you to get your home without further complication.

customer service and online banking

You can contact the experts of BancSabadell d’Andorra at +376735 600 , or fill out the form available on their website for an expert to contact you.

In the same way, BancSabadell d’Andorra puts at your disposal an Online Banking . Where you can consult and operate all the accounts and services you have contracted with the greatest security.

To contract it, you only need to be a BancSabadell d’Andorra customer and to register this service.

What are the basic requirements for the credits

Obtaining a personal loan is very simple and requires few steps and requirements. Once the application is started, the process is very fast and you will always be assisted by experts to answer your questions. The requirements for a loan from BancSabadell d’Andorra are:

  • The applicant must be a resident of Andorra, or have a business or company registered in the Principality of Andorra.
  • Be a client of BancSabadell d’Andorra preferably.
  • If not, submit bank statements of at least 6 months of your accounts in other banks.
  • Present a copy of the letter with the points of the CASS of whoever is the owner of the loan.
  • Comply with the individual requirements of each of the loans.

How to request this type of loans and credits Online

You can contract a loan from BancSabadell d’Andorra from the comfort of your home or office, simply follow the instructions below:

  • Select the type of loan that best suits your needs.
  • Use the simulator to know the amount of the loan that will suit you best
  • Click on hire.
  • Fill out the form with your data, in a short time they will contact you to continue the process.

Repayment of the loan

You will not have to worry about making payments, since the loan will be deducted from your account in BancSabadell d’Andorra automatically every month, allowing you to stay calm helping you in your personal finances, you just need to take care that your monthly income is constant and you can help by checking your balance and movements in online banking.

conclusion

BancSabadell d’Andorra is an excellent option if you are looking for a personal loan to finance your projects, whether school, academic, personal, for a vehicle or to finally buy the home you have wanted so much.

Do not wait any longer and get in touch with them, you will surely find a solution to your financing problems.