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Unicaja Banco offers one more year the possibility of financing the tax bill and of receiving the tax refund in advance

It offers the possibility of receiving in advance the refund due by the Tax Agency and also specific loans under advantageous terms to fund the amount due to the AEAT in case of positive tax returns

11 JUN 2021

5 Min reading

Unicaja Banco, on the occasion of the 2020 Income Tax Campaign (IRPF), now in its final stage, offers one more year the possibility to receive the tax refund in advance or to finance tax bills under advantageous terms. As an institution that collaborates with the Agencia Tributaria, it allows to use the Internet within the service offered to file tax returns online.

 

The bank offers the possibility of receiving in advance the refund due by the Tax Agency and also specific loans under advantageous terms to fund the amount due to the AEAT in case of positive tax returns.

 

If the taxpayer must pay a tax bill, Unicaja Banco offers a loan through Renta Fácil Positiva, to be repaid in 12 installments and under advantageous conditions.

 

If the filing results in a tax refund, the Bank allows the customer to receive in advance total or part of the refund, with a 0% nominal interest rate and a APR from 3,780% until 12,957%, according to representative example, through Renta Fácil Negativa, up to 3,000 euros and to be repaid by 31 December 2021.

 

The Income Tax campaign 2020 will end on 30 June, both for positive and negative tax bills. However, tax returns with tax amounts payable, if payment is to be made by bank direct debit, must be filed by 25 June.

 

Collaborating institution

 

Unicaja Banco is an institution that collaborates with the Agencia Tributaria, and it allows to use the Internet within the service offered to file tax income online.

 

The Tax Agency offers taxpayers services to prepare and file the income tax via different channels (further information on www.agenciatributaria.es).

 

The 2020 Income Tax Campaing, marked by the situation caused by the COVID-19, started on 7 April to file the income tax online, and on 2 June to file it at offices. It will be in force until 30 June. The Agencia Tributaria has designed the campaign reinforcing the customized service to those groups that may require special assistance in this moment, such as those furloughed (ERTE schemes) and those receiving Minimum Living Income (Ingreso Mínimo Vital, IMV).

 

 

 

1 Préstamo

Ejemplos representativos:

Importe: la cantidad a ingresar en Hacienda. Plazo máximo: hasta doce meses. TIN: 6%.

TAE: 8,168% calculada para principal del préstamo igual a 5.000 euros y plazo 12 meses con liquidación de intereses y amortización de capital mensual, con una cuota mensual de 430,39€, excepto la última cuota que es de 430,44€.. Comisión de apertura 1% (mínimo 30 euros). Importe total adeudado 5.214,73€. Intereses totales: 164,73€. Coste total: 214,73 €

TAE: 9,065% calculada para principal del préstamo igual a 5.000 euros y plazo 8 meses con liquidación de intereses y amortización de capital mensual, con una cuota mensual de 639,18€, excepto la última cuota que es de 639,22€. Comisión de apertura 1% (mínimo 30 euros). Importe total adeudado: 5.163,48€. Intereses totales: 113,48€. Coste total: 163,48€.

TAE: 9,902% calculada para principal del préstamo igual a 3.000 euros y plazo 6 meses con liquidación de intereses y amortización de capital mensual, con una cuota mensual de 508,80€, excepto la última cuota que es de 508,82€. Comisión de apertura 1% (mínimo 30 euros). Importe total adeudado: 3.082,82€. Intereses totales: 52,82€. Coste total: 82,82€.

TAE: 15,140% calculada para principal del préstamo igual a 1.500 euros y plazo 5 meses con liquidación de intereses y amortización de capital mensual, con una cuota mensual de 304,52€, excepto la última cuota que es de 304,53€. Comisión de apertura 1% (mínimo 30 euros). Importe total adeudado: 1.552,61€. Intereses totales: 22,61€. Coste total: 52,61€.

La TAE puede variar según el importe o el plazo del préstamo. Sistema amortización francés. Concesión sujeta a criterio de la entidad. Condiciones válidas hasta el 30 de septiembre de 2021.

 

 

2 Anticipo renta

Ejemplos representativos:

Importe: hasta 3.000 euros. Plazo máximo: hasta 31 de diciembre 2021. TIN: 0%.

TAE: 3,780% calculada para principal del préstamo igual a 3.000 euros y plazo 6 meses. Comisión de apertura 2% (mínimo 30 euros). Amortización a vencimiento o anticipadamente a la recepción de la devolución. Importe total adeudado: 3.060 euros. Intereses totales: 0 euros. Coste total: 60 euros.

TAE: 6,248% calculada para principal del préstamo igual a 1.500 euros y plazo 4 meses. Comisión de apertura 2% (mínimo 30 euros). Amortización a vencimiento o anticipadamente a la recepción de la devolución. Importe total adeudado: 1.530 euros. Intereses totales: 0 euros. Coste total: 30 euros.

TAE: 12,957% calculada para principal del préstamo igual a 1.000 euros y plazo 3 meses. Comisión de apertura 2% (mínimo 30 euros). Amortización a vencimiento o anticipadamente a la recepción de la devolución. Importe total adeudado:1.030 euros. Intereses totales: 0 euros. Coste total: 30 euros

La TAE puede variar según el importe o el plazo del préstamo. Sistema amortización francés. Concesión sujeta a criterio de la entidad. Condiciones válidas hasta el 30 de septiembre de 2021.

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