{"id":12355,"date":"2019-02-06T12:55:29","date_gmt":"2019-02-06T11:55:29","guid":{"rendered":"https:\/\/www.ccooservicios.es\/unicaja\/zona\/estatales\/financiacion-y-prestamos\/"},"modified":"2026-04-28T21:40:36","modified_gmt":"2026-04-28T19:40:36","slug":"financiacion-y-prestamos","status":"publish","type":"post","link":"https:\/\/www.ccooservicios.es\/unicaja\/comunicados\/financiacion-y-prestamos\/","title":{"rendered":"Financiaci\u00f3n y pr\u00e9stamos"},"content":{"rendered":"<div>\n<div>\n<p>El Acuerdo de Integraci\u00f3n&nbsp;<strong>homologa los pr\u00e9stamos<\/strong>&nbsp;de la totalidad de la plantilla<strong>.<\/strong><\/p>\n<\/div>\n<ul>\n<li>Los tipos m\u00ednimos de los pr\u00e9stamos se rebajan al&nbsp;<strong>0<\/strong>% y al&nbsp;<strong>0,5<\/strong>%.<\/li>\n<li>El&nbsp;<strong>l\u00edmite de endeudamiento<\/strong>&nbsp;para la concesi\u00f3n de operaciones de cr\u00e9dito se fija en un&nbsp;<strong>35% de los ingresos brutos<\/strong>&nbsp;de la unidad familiar.<\/li>\n<li>En los traslados de m\u00e1s de 100 km que impliquen cambio de residencia, se podr\u00e1 optar a otro&nbsp;pr\u00e9stamo de vivienda mientras se vende la vivienda actual, aumentando el endeudamiento&nbsp;hasta el 45%.<\/li>\n<\/ul>\n<\/div>\n<div>[<a href=\"https:\/\/www.ccoo-servicios.es\/unicaja\/html\/44206.html\">&#8230;<\/a>]&nbsp;<\/div>\n<div>\n<div>\n<div>\n<p><strong><a href=\"https:\/\/www.ccooservicios.es\/unicaja\/wp-content\/uploads\/sites\/3\/2026\/04\/2019-02-06-ALI-AcuerdoLaboral8Prestamos.pdf\" title=\"Comunicado en PDF\" target=\"_blank\"><strong>Comunicado en PDF<\/strong><\/a><\/strong><\/p>\n<hr>\n<div>\n<div><\/div>\n<\/div>\n<\/div>\n<p margin-top:0cm;margin-right:-8.6pt;margin-bottom:6.0pt;margin-left:0cm\"\"=\"\"><strong><\/strong><\/p>\n<div><\/div>\n<\/div>\n<p><span style=\"font-weight:bold;font-size:11pt;font-family:'Arial Narrow', sans-serif;color:#c00000;text-indent:-17.85pt\" class=\"<img loading=\"lazy\" decoding=\"async\" src=\" https:=\"\" www.ccoo-servicios.es=\"\" admon=\"\" tema=\"\" default=\"\" images=\"\" pixel.gif\"=\"\" title=\"file:\/\/\/C:\\Users\\SSCCOO~1\\AppData\\Local\\Temp\\msohtmlclip1\\01\\clip_image002.jpg\" rel=\"media048734039534312545\" width=\"100\" height=\"100\"><br \/><\/span><\/p>\n<div>\n<table width=\"100%\" rules=\"all\" style=\"border:1px solid;background-color:#244061\">\n<tbody>\n<tr>\n<td width=\"100%\" style=\"color:#ffffff\">&nbsp;PR\u00c9STAMOS<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div><span style=\"font-weight:bold;font-size:11pt;font-family:'Arial Narrow', sans-serif;color:#c00000;text-indent:-17.85pt\" class=\"<img loading=\"lazy\" decoding=\"async\" src=\" https:=\"\" www.ccoo-servicios.es=\"\" admon=\"\" tema=\"\" default=\"\" images=\"\" pixel.gif\"=\"\" title=\"file:\/\/\/C:\\Users\\SSCCOO~1\\AppData\\Local\\Temp\\msohtmlclip1\\01\\clip_image002.jpg\" rel=\"media5409817865281383\" width=\"100\" height=\"100\"><br \/><span style=\"color:#cc0000\">1.&nbsp;<\/span><\/span><strong style=\"text-indent:-17.85pt;color:#cc0000\">Pr\u00e9stamo<br \/>\nsocial:<\/strong><\/div>\n<p><\/p>\n<ul>\n<li>Tipo: <strong>Euribor<\/strong> a Octubre con el l\u00edmite de inter\u00e9s legal del dinero. M\u00ednimo<br \/>\n<strong>0%.<\/strong><\/li>\n<li>Plazo amortizaci\u00f3n: <strong>9 a\u00f1os<\/strong>. Se puede renovar transcurrido<br \/>\n1\/3 del plazo.<\/li>\n<li>Importe m\u00e1ximo <strong>30.000<\/strong>&nbsp;euros.<\/li>\n<li>Garant\u00eda: personal.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"color: rgb(204, 0, 0);\" margin-top:0cm;margin-right:-1.4pt;margin-bottom:3.0pt;margin-left:17.85pt;text-indent:-18.0pt\"=\"\"><strong>2.&nbsp;<\/strong><strong>Pr\u00e9stamo<br \/>\nvivienda habitual:<\/strong><\/p>\n<p><\/p>\n<ul>\n<li>Tipo: <strong>70% Euribor a un a\u00f1o<\/strong>. Revisi\u00f3n semestral en enero y julio (m\u00ednimo <strong>0%<\/strong>,<br \/>\nm\u00e1ximo 5,25%).<\/li>\n<li>Exento de todo tipo de<br \/>\ncomisiones.<\/li>\n<li>Importe <strong>m\u00ednimo: 210.000 euros <\/strong>y m\u00e1ximo el menor de estos tres: 5<br \/>\nanualidades brutas o 5 anualidades del nivel X; el valor de tasaci\u00f3n o el valor<br \/>\nde compra m\u00e1s un 8% (inclu\u00eddo IVA o ITP).<\/li>\n<li>Plazo amortizaci\u00f3n: m\u00e1ximo de<br \/>\n<strong>35 a\u00f1os<\/strong>, m\u00ednimo de 15 sin superar<br \/>\nlos 72 a\u00f1os del empleado\/a.<\/li>\n<li>Garant\u00eda: hipotecaria con la<br \/>\nobligaci\u00f3n de suscribir un seguro de da\u00f1os a\/f de Unicaja por el valor de<br \/>\nreposici\u00f3n a nuevo.<\/li>\n<li>Se puede pedir tantas veces<br \/>\ncomo sea necesario. Si existe un pr\u00e9stamo en vigor y se cambia de vivienda, hay<br \/>\nque cancelar el primero y se concede la diferencia entre el valor de tasaci\u00f3n<br \/>\nactual y el del que se va a adquirir m\u00e1s el saldo vivo del pr\u00e9stamo a cancelar.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"color: rgb(204, 0, 0);\" margin-top:0cm;margin-right:-1.4pt;margin-bottom:3.0pt;margin-left:10.5pt;text-indent:-17.85pt\"=\"\"><strong>3.&nbsp;<\/strong><strong>Hipotecario<br \/>\nlibre: <\/strong><strong><\/strong><\/p>\n<p><\/p>\n<ul>\n<li>Tipo: fijo al <strong>4,5<\/strong>% o variable a <strong>Euribor a<br \/>\nun a\u00f1o + 0,25<\/strong>% con m\u00ednimo del <strong>0,5<\/strong>%. Revisi\u00f3n anual.<\/li>\n<li>Garant\u00eda: hipotecaria.<\/li>\n<li>Plazo amortizaci\u00f3n: 30 a\u00f1os sin superar los<br \/>\n72 a\u00f1os del empleado\/a.<\/li>\n<li>Exento de comisiones.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"\" margin-top:0cm;margin-right:-1.4pt;margin-bottom:3.0pt;margin-left:10.5pt;text-indent:-17.85pt\"=\"\"><strong style=\"color:#cc0000\">4.&nbsp;<\/strong><strong style=\"color:#cc0000\">Pr\u00e9stamo libre:<\/strong><v:shapetype id=\"_x0000_t75\" coordsize=\"21600,21600\" o:spt=\"75\" o:preferrelative=\"t\" path=\"m@4@5l@4@11@9@11@9@5xe\" filled=\"f\" stroked=\"f\"><br \/>\n <v:stroke joinstyle=\"miter\"><br \/>\n <v:formulas><br \/>\n  <v:f eqn=\"if lineDrawn pixelLineWidth 0\"><br \/>\n  <v:f eqn=\"sum @0 1 0\"><br \/>\n  <v:f eqn=\"sum 0 0 @1\"><br \/>\n  <v:f eqn=\"prod @2 1 2\"><br \/>\n  <v:f eqn=\"prod @3 21600 pixelWidth\"><br \/>\n  <v:f eqn=\"prod @3 21600 pixelHeight\"><br \/>\n  <v:f eqn=\"sum @0 0 1\"><br \/>\n  <v:f eqn=\"prod @6 1 2\"><br \/>\n  <v:f eqn=\"prod @7 21600 pixelWidth\"><br \/>\n  <v:f eqn=\"sum @8 21600 0\"><br \/>\n  <v:f eqn=\"prod @7 21600 pixelHeight\"><br \/>\n  <v:f eqn=\"sum @10 21600 0\"><br \/>\n <\/v:f><\/v:f><\/v:f><\/v:f><\/v:f><\/v:f><\/v:f><\/v:f><\/v:f><\/v:f><\/v:f><\/v:f><\/v:formulas><br \/>\n <v:path o:extrusionok=\"f\" gradientshapeok=\"t\" o:connecttype=\"rect\"><br \/>\n <o:lock v:ext=\"edit\" aspectratio=\"t\"><br \/>\n<\/o:lock><\/v:path><\/v:stroke><\/v:shapetype><v:shape id=\"Imagen_x0020_6\" o:spid=\"_x0000_s2050\" type=\"#_x0000_t75\" style=\"position: absolute; left: 0px; margin-left: 108.5pt; margin-top: 440.2pt; width: 125.6pt; height: 82.9pt; z-index: 1; visibility: visible;\"><br \/>\n <v:imagedata src=\"file:\/\/\/C:\\Users\\SSCCOO~1\\AppData\\Local\\Temp\\msohtmlclip1\\01\\clip_image002.jpg\" o:title=\"classic_car_automobile_isolated_background_car_show_collector_hobby_nostalgia-526001[1]\"><br \/>\n<\/v:imagedata><\/v:shape><strong><\/strong><\/p>\n<p><\/p>\n<ul>\n<li>Inter\u00e9s: fijo al <strong>5<\/strong>% o variable a <strong>Euribor a un<br \/>\na\u00f1o + 0,5%<\/strong> (m\u00ednimo <strong>0,5<\/strong>%) con revisi\u00f3n anual desde formalizaci\u00f3n.<\/li>\n<li>Importe m\u00e1ximo: <strong>50.000<\/strong> euros.  <\/li>\n<li>Garant\u00eda: personal (en r\u00e9gimen de<br \/>\ngananciales es obligatoria la firma del c\u00f3nyuge)<\/li>\n<li>Plazo m\u00e1ximo: 10 a\u00f1os sin superar la vida<br \/>\nlaboral del empleado\/a<\/li>\n<\/ul>\n<p><\/p>\n<div>\n<table width=\"100%\" rules=\"all\" style=\"border:1px solid;background-color:#244061\">\n<tbody>\n<tr>\n<td width=\"100%\" style=\"color:#ffffff\">&nbsp;ANTICIPOS Y DISPONIBLE EN CUENTA N\u00d3MINA<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"\" mso-element:para-border-div;border:double=\"\" #eaf1dd=\"\" 1.5pt;padding:1.0pt=\"\" 4.0pt=\"\" 1.0pt=\"\" 4.0pt;background:#244061;margin-left:0cm;margin-right:-8.6pt\"\"=\"\">\n<\/p>\n<ul>\n<li>Adem\u00e1s del anticipo de<br \/>\nConvenio, se puede solicitar un <strong>anticipo<br \/>\nal 0% de inter\u00e9s<\/strong> por importe m\u00e1ximo de <strong>3.000 euros<\/strong> a devolver en <strong>30 meses<\/strong> y sin justificar la causa.<\/li>\n<\/ul>\n<ul>\n<li>Saldo deudor<strong> disponible en cuenta n\u00f3mina del 75% de la<br \/>\nmensualidad l\u00edquida, al 0% de inter\u00e9s.&nbsp;<\/strong><\/li>\n<\/ul>\n<\/div><\/div>\n<div><\/div>\n<p><strong><a href=\"https:\/\/www.ccooservicios.es\/unicaja\/wp-content\/uploads\/sites\/3\/2026\/04\/2019-02-06-ALI-AcuerdoLaboral8Prestamos.pdf\" title=\"Comunicado en PDF\" target=\"_blank\"><strong>Comunicado en PDF<\/strong><\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Acuerdo de Integraci\u00f3n&nbsp;homologa los pr\u00e9stamos&nbsp;de la totalidad de la plantilla. Los tipos m\u00ednimos de los pr\u00e9stamos se rebajan al&nbsp;0% y al&nbsp;0,5%. El&nbsp;l\u00edmite de endeudamiento&nbsp;para la concesi\u00f3n de operaciones de cr\u00e9dito se fija en un&nbsp;35% de los ingresos brutos&nbsp;de la unidad familiar. En los traslados de m\u00e1s de 100 km que impliquen cambio de residencia, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17595,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","editor_notices":[],"footnotes":""},"categories":[205,188,220,195],"tags":[],"class_list":["post-12355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beneficiossociales","category-comunicados","category-condicionesdetrabajo","category-negociacioncolectiva"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financiaci\u00f3n y pr\u00e9stamos - Unicaja CCOO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ccooservicios.es\/unicaja\/comunicados\/financiacion-y-prestamos\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financiaci\u00f3n y pr\u00e9stamos - Unicaja CCOO\" \/>\n<meta property=\"og:description\" content=\"El Acuerdo de Integraci\u00f3n&nbsp;homologa los pr\u00e9stamos&nbsp;de la totalidad de la plantilla. Los tipos m\u00ednimos de los pr\u00e9stamos se rebajan al&nbsp;0% y al&nbsp;0,5%. El&nbsp;l\u00edmite de endeudamiento&nbsp;para la concesi\u00f3n de operaciones de cr\u00e9dito se fija en un&nbsp;35% de los ingresos brutos&nbsp;de la unidad familiar. En los traslados de m\u00e1s de 100 km que impliquen cambio de residencia, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ccooservicios.es\/unicaja\/comunicados\/financiacion-y-prestamos\/\" \/>\n<meta property=\"og:site_name\" content=\"Unicaja CCOO\" \/>\n<meta property=\"article:published_time\" content=\"2019-02-06T11:55:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-28T19:40:36+00:00\" \/>\n<meta name=\"author\" content=\"ccooservicios\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"ccooservicios\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.ccooservicios.es\\\/unicaja\\\/comunicados\\\/financiacion-y-prestamos\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.ccooservicios.es\\\/unicaja\\\/comunicados\\\/financiacion-y-prestamos\\\/\"},\"author\":{\"name\":\"ccooservicios\",\"@id\":\"https:\\\/\\\/www.ccooservicios.es\\\/unicaja\\\/#\\\/schema\\\/person\\\/b322f557c0929329bcc6173f29a18b3b\"},\"headline\":\"Financiaci\u00f3n y pr\u00e9stamos\",\"datePublished\":\"2019-02-06T11:55:29+00:00\",\"dateModified\":\"2026-04-28T19:40:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.ccooservicios.es\\\/unicaja\\\/comunicados\\\/financiacion-y-prestamos\\\/\"},\"wordCount\":146,\"publisher\":{\"@id\":\"https:\\\/\\\/www.ccooservicios.es\\\/unicaja\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.ccooservicios.es\\\/unicaja\\\/comunicados\\\/financiacion-y-prestamos\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.ccooservicios.es\\\/unicaja\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2026\\\/04\\\/refugees.avif\",\"articleSection\":[\"Beneficios Sociales\",\"Comunicados\",\"Condiciones de trabajo\",\"Negociacion Colectiva\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.ccooservicios.es\\\/unicaja\\\/comunicados\\\/financiacion-y-prestamos\\\/\",\"url\":\"https:\\\/\\\/www.ccooservicios.es\\\/unicaja\\\/comunicados\\\/financiacion-y-prestamos\\\/\",\"name\":\"Financiaci\u00f3n y pr\u00e9stamos - 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