Unicaja, coinciding with the start of the 2024-2025 agricultural season, has launched its new intensive crops campaign with which it reinforces its long-standing support to agriculture for yet another year and makes available to its customers with farms in the fruit and vegetable sector a line of pre-approved loans1 of 700 million euros, with financial advantages.
The bank responds to the financing needs of farmers with this new campaign of pre-approved loans, which stand out for the agility of their concession and are especially designed to facilitate the coverage of expenses derived from the agricultural season.
The new campaign also includes other financing modalities adapted to the needs of those who develop their activity in the field of intensive agriculture.
In this sense, Unicaja offers loans2 of up to 12 months that allow its customers to cover the current expenses derived from the campaign, with the possibility of obtaining interest-free financing, in addition to other specific financial products, such as the Univerde Card3, which enables its users to defer payments until the end of the campaign, allowing them to choose the payment method that best suits their needs.
It also has a line of financing for the acquisition and improvement of greenhouses, change of plastics for the campaign and installation of drip irrigation, among other objectives. These loans are specially designed to cover investment needs and adapt the amortization and frequency of repayments to the needs of customers.
Full range of Unicaja products and services for the agricultural sector
Unicaja, in its long-standing support to the agricultural sector, offers a wide and complete range of products and services for this sector, aimed at meeting the financing and investment needs of companies and self-employed.
Other products and services include the wide range of agricultural insurance products4 to protect and guarantee production and farm facilities, as well as the recent launching of the Uni Seguro Agro Plan5, which facilitates the payment of insurance policies by unifying premiums, with financing at zero cost (APR. 0.00 %) and payment in easy monthly installments, without surcharges.
To facilitate the day-to-day activity of companies and self-employed professionals in the sector, it offers the Plan Cero Profesional Agro, with which, by linking and complying with a series of conditions6, they can benefit from accounts with no maintenance or administration fees7, (except cuentas Tarifa Plana and Confort), online transfers without issue fees8, associated professional credit cards or linked wireless mobile POS terminals without maintenance fees9 and check deposits10.
(1) Unicaja reserves the right not to pay the loan if during its validity period it becomes aware of any circumstance that modifies the level of risk attributed to the holder. Conditions valid until April 30, 2025, exclusive for the recipient of this communication, provided that their financial and risk situation remains the same as on the date of sending.
(2) Concession subject to entity criteria.
(3) Concession subject to the discretion of the entity. Use for businesses attached to the Univerde system. Consult the list of businesses in the Univerde Card section in the Agricultural Sector section.
(4) Temporary annual renewable, multi-year or single premium insurance, contracted with Unicorp Vida (accidents or life risk), Caser (cars, health, dental, multi-risk home, payment protection, pets, hunters, all-risk rentals, deaths or accidents), Santa Lucía (deaths) and/or Unión Duero Vida (life risk) mediated through Unimediación S.L.U., a linked banking-insurance operator, registered in the Special Administrative Registry of Insurance Distributors of the General Directorate of Insurance and Pension Funds with registration number OV-0010, acting through the Unicaja Banco, S.A. network. Arranged civil liability insurance in accordance with current legislation. You can consult the insurance companies with which Unimediación S.L.U. has an agency contract signed at www.unicajabanco.es/seguros. Insurance coverage subject to the General and Particular Conditions of the policies contracted.
(5) Credit aimed at self-employed workers and companies, exclusively for the payment of their insurance premiums. Conditions valid until January 31, 2025. Annual nominal interest rate: 0.00%. APR: 0.00%. Starting from a representative example of a loan in the Uni Seguro Empresas y Agro Plan granted of €1,500.00, which has been drawn down in full since the first day of validity of the contract, with a fixed monthly payment method of a regular installment for 12 months, in which the client would pay 12 monthly installments of €125.00, with the total amount owed being €1,500.00. For this example, the existence of new credit provisions in the Uni Seguro Empresas y Agro Plan in this period, nor any incidents in payments, is not considered.
(6) It is required to fully comply with one of the two options (1st option/2nd option) to be able to enjoy the exemption program of the Professional Zero Plan.
1st OPTION
Basic requirements (must be met simultaneously):
· Income* for an amount equal to or greater than €7,200 in the last 12 months with at least one income.
· Credit card consumption for an amount equal to or greater than €1,200 per year or a minimum of 2 monthly operations or POS consumption for an amount equal to or greater than €600 per month (Consult the type of operations taken into account in the Bases of the Professional Zero Plan for calculating consumption).
Optional requirements (at least one of them must be met):
· Balances for a total amount equal to or greater than €6,000 in the Entity of which the client is the owner in: Demand accounts, Deposits, Investment funds (including Discretionary Investment Portfolio Management), Pension plans and Savings insurance.
· Have contracted and in force with the Entity one or more insurance policies** other than Savings Insurance (as it is contemplated in the previous option), whose sum of the premiums paid is equal to or greater than €100.
2nd OPTION
Basic requirement:
· Balances for a total amount equal to or greater than €20,000 in the Entity, of which the client is the owner in: Investment Funds (including Discretionary Investment Portfolio Management), Pension Plans and Savings Insurance.
Optional requirements (at least one of them must be met):
· Credit card consumption for an amount equal to or greater than €1,200 per year or a minimum of 2 monthly operations or POS consumption for an amount equal to or greater than €600 per month (Consult the type of operations taken into account in the Bases of the Professional Zero Plan for calculating consumption).
· Have contracted and in force with the Entity one or more insurance policies** other than Savings Insurance (as it is considered a basic requirement), the sum of the premiums paid is equal to or greater than €200.
(*) Annual income will be considered to be that received by the CLIENT in an account opened in Unicaja of which he is the first owner, through income operations - except cash payments made at the counter or ATM and transfers made between accounts owned by the same CLIENT - , transfers from other entities and/or negotiation and clearing of checks.
(**) Insurance contracted through Unimediación S.L.U., linked banking-insurance operator, registered in the Special Administrative Registry of Insurance Distributors, of the General Directorate of Insurance and Pension Funds, with registration number OV-0010, acting under through the Unicaja Banco S.A. network. Arranged civil liability insurance in accordance with current legislation. You can consult the insurance companies with which Unimediación S.L.U. has an agency contract signed at www.unicajabanco.es/seguros.
(7) APR 0.00% calculated for an account with a balance of €6,000 constant for one year at 0.00% TIN, complying with the conditions of the Professional Zero Plan, that is, considering €0.00 for the administration fee, the account and credit card maintenance fee. No interest. (See the bases of Plan Zero).
Representative examples without meeting the conditions of the Zero Professional Plan and considering the maximum administration fee of €9/quarter, the account maintenance fee of €30/quarter, as well as an annual credit card maintenance fee of €44 :
APR: -3.301% calculated for an account with a balance of €6,000 constant for one year at 0.00% TIN. No interest.
APR: -9.710% calculated for an account with a balance of €2,000 constant for one year at 0.00% TIN. No interest.
In the cases described, the APR varies depending on the account balance.
(8) By issuing transfers through Digital Banking (Unicaja Web or App) or ATM, in euros, between customer payment accounts located in the SEPA zone. (Immediate transfers and Fund Movement Orders (OMF) -through the Bank of Spain- are excluded).
(9) The exemption will apply to the linked credit card or POS indicated in the membership document or to the one that replaces it.
(10)In euros, payable in the Spanish National Compensation System (SNCE).
