Creand One-off Savings
Make the most of your savings
Now you can maximize your savings obtaining the guaranteed net return* following:
- First year: APR 2%
- Second year: APR 2.25%
- Third year: APR 2.50%
*On maturity (three years) the guaranteed net cumulative return is 6.90% (APR 2.25%).
Characteristics
- One-off contribution at the beginning of the contract.
- From €10,000 and up to €50,000.
- Guaranteed net profitability on maturity and allocated for all years of the policy
- €1,000 death insurance.
- The group's creditworthiness and leadership on a national scale provide maximum confidence regarding the safety and stability of the product.
- The product invests in sustainable companies. According to the Clarity AI data provider, this product delivers savings in terms of CO₂ emissions and energy and water consumption against the benchmark.
Advantages
- Preservation of capital. Guarantee of 100% of the contribution on maturity of the product (guaranteed capital on maturity date).
- Profitability with maximum transparency. We offer you a guaranteed net annual interest rate (no commissions and expenses).
Redemption
- Partial redemptions cannot be made.
- After the first year, a full redemption can be made with a penalty of 1% on the redeemed capital. In this case, however, the capital will not be guaranteed.
- The redemption value is the minimum amount between the mathematical provision and the market value of the monetary and financial assets the contribution is invested in.
Maturity
A one-off payment integrated by the contribution made plus the accumulation of the profitability obtained each year
is guaranteed.
Maturity
A one-off payment integrated by the contribution made plus the accumulation of the profitability obtained each year is guaranteed.
This product is sold by remittance. The conditions of the product may vary according to the remittance in effect at the time of contracting.
* The guaranteed net returns for each year of this remittance would be 2% in the first year, 2.25% in the second year and 2.50% in the third year.
FAQ
If you have questions about our products, take a look at the answers to frequently asked questions in this section.
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