lanzamiento-aval-alquiler-joven

Unicaja Banco launches a bank rental guarantee for young people and reinforces its offer to facilitate their emancipation

Unicaja Banco’s bank rental guarantee for young people, with the best economic conditions in the market, covers the payment guarantees requested by landlords in most rental agreements and it offers advantageous conditions for young people, a group for which accessing housing is particularly challenging.

26 JUN 2019

6 Min reading

Young people between 18 and 35 years old can get a bank guarantee for a term ranging from one to three years, to secure the payment of the rent up to the amount in the guarantee, with no opening or study fees.

 

The launch of this new product joins the range of products and services of Unicaja Banco for young people, and especially those aimed to facilitate their emancipation, such as the youth mortgage with excellent financial conditions for the under 35, and also with the launch of the new section Vive in the bank’s platform Espacio Joven Uni, with contents of interest for those wishing to live on their own.

 

Unicaja Banco has launched the bank rental guarantee for people under 35 years old, a solution to guarantee the landlord that the tenant is going to meet the payment obligations, something requested in most rental contracts and that often becomes a difficulty for young people to access housing. Unicaja Banco’s bank rental guarantee for young people, with the best economic conditions in the market, reinforces the range of financial products and services under favourable conditions to help the under 35 leave home, such as the Youth Mortgage or the generation of interesting contents for those young adults wishing to live on their own, available on the section Vive of the bank’s platform Espacio Joven Uni.

 

Unicaja Banco’s bank rental guarantee for the under 35 is a solution for those who choose to rent in order to leave home and who, when entering into the rental contract, find that they have to provide a bank guarantee to the owner.

 

This new product guarantees the payment of the rent to landlords, up to the amount in the bank guarantee issued by Unicaja Banco, should the tenant not pay the rent.

Young people between 18 and 35 years old can apply for a guarantee for a term ranging from one to three years to secure, during that period, the payment of rents in the rental contract, up to the amount in the bank guarantee, with excellent conditions and without opening or study fees. The guarantee has a quarterly cost of 1% of the amount granted, provided that Notary intervention is not required. For example, a bank guarantee of 3,000€ would have a cost of 10€ per month. (Further information: https://www.unicajabanco.es/es/particulares/hipotecas-y-prestamos/prestamos-personales/aval-bancario-joven)

 

Wide and competitive range of products for young people

 

Unicaja Banco has a wide and competitive range of financial products and services for the youth, under special conditions adapted to the needs of this group and covering all the cycle of financial life of the under 35, from financing studies to buy a vehicle or a home, or to facilitate access to rent, with the new bank rental guarantee. Some of the products for young people are:

 

  • Youth Mortgage

 

Unicaja Banco offers a Youth Mortgage with a variable interest rate and with excellent financial conditions for borrowers between 18 and 35 years old: no fees (only appraisal fees and subscription of a damage insurance), up to 80% of the appraisal value or acquisition price (the lower), improved interest rate on subscribing other Unicaja Banco products, repayment adapted to the needs of the young, with a term of up to 30 years and variable interest rate with a highly competitive initial rate (Further information:

https://www.unicajabanco.es/es/particulares/hipotecas-y-prestamos/hipotecas/hipoteca-joven)

 

  • Young Person’s Loan

 

Unicaja Banco Young Person’s Loan offers young people between 18 to 35 years old up to 18,000€ to be used for anything they want, available with variable or fixed interest rates, adapted to their preferences and with a repayment term of up to 8 years. Further information:

 https://www.unicajabanco.es/es/particulares/hipotecas-y-prestamos/prestamos-personales/prestamo-joven

 

 

  • Young Motor Loan

 

Unicaja Banco also facilitates young people the acquisition of a vehicle with the Young Motor Loan, for those aged between 18 and 35. Up to 60,000 €, with fixed interest rate, 8 years for repayment and easy application process: just by presenting the proforma invoice of the vehicle and a document of the first registration of the vehicle. Further information:

https://www.unicajabanco.es/es/particulares/hipotecas-y-prestamos/prestamos-personales/prestamo-motor/joven

 

 

  • Account, debit and credit card and digital banking

 

Other Unicaja Banco services for this group include Unicaja Banco Young Person’s Card and the Contactless Mastercard Young Card (debit and credit), with no opening or maintenance fees until the holder is 28 years old. It is convenient and practical, as with Unicaja Banco’s mobile app there are no limits to bank wherever and whenever you need it, 24/7. Further information:

https://www.unicajabanco.es/es/particulares/cuentas-y-tarjetas/tarjetas-de-credito/tarjeta-mastercard-credito-joven-contactless

https://www.unicajabanco.es/es/particulares/cuentas-y-tarjetas/tarjetas-de-debito/tarjeta-debito-joven-contactless

 

Unicaja Banco’s support to young people: Espacio Joven Uni

 

Espacio Joven Uni (www.espaciojovenuni.com) is Unicaja Banco’s digital platform dedicated to the youth. It has been developed on the basis of the demands and interest of young people, and it intends to promote employment, entrepreneurship, training, innovation, interactivity and talent.

 

Unicaja Banco’s interest in offering products to facilitate the emancipation of the young is reflected on Espacio Joven Uni platform with the launch of the new section Vive, which intends to respond to the concerns of young people when leaving home.

 

Vive will include information related to those topics that the young need to know when leaving home, and will recommend the available Unicaja Banco products especially designed for them and which best suit their current situation.

 

Vive joins the other projects of Espacio Joven Uni: Avanza, Emprende, Disfruta and Gamer. The section Avanza explains how the financial system works, consolidating the knowledge of users related to investment, savings and financing in a practical and easy way, in collaboration with the financial education platform Edufinet.

 

Aprende is another section aimed at assisting young people to choose the best career for them, with many resources on training, employment and entrepreneurship. It also includes all the information and assistance required to launch a personal project.

 

 With the focus on leisure, Disfruta is a section that informs of the best plans for music, sports, leisure and culture activities, as well as of the more than 6,000 shops offering discounts to holders of Unicaja Banco’s Young Card. Finally, Gamer is the section where the lovers of videogames meet, with all the news on this area.

  • Productos y servicios

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