How to Apply for Credits and Loans for Engineers Online

With that you can obtain financial solutions specially made for you, which you can return in comfortable monthly installments with no fees for partial amortization or cancellation.

It is a cooperative credit and savings company with more than 150,000 members currently participating in this model of personal, commercial and institutional banking.

The company in Spanish territory has the vocation to provide service specifically to professionals, whether engineers or workers of other professions.

This company was established 50 years ago, and since then its cooperative model has been maintained as the basis of its performance, in this way it can be said that it is a socially rooted entity without becoming a political subject served by its corporate purpose. C

We understands that financial services should generate a shared value between partners and society, so that society can be built and improved jointly by all.

These are some of the bases in the performance, mission and objectives of the company. Its main beliefs are the common good and cooperative social responsibility, on these beliefs its financial model acts.

Advantages

Advantages 

A financial solutions company with good objectives, beliefs and missions, which guide clients and the company to improve society as a whole by providing credit, savings and other financial advantages that support the construction of society and fulfill these objectives. But, why should you open an account?

Next, we will review what are the advantages that this company has over the other credit entities that exist in the market.

Some of the different advantages offered by this company are: a current account with no commissions, the ability to make national transfers without any cost, offer free cards, office hours from 8:30 a.m. to 7:00 p.m. and more than 8,000 ATMs. your disposition around the whole country.

A cooperative entity that offers loans in which the partner is at the same time client and owner of the entity, therefore, the benefits obtained by the entity are directly reverted to it, making it possible to obtain numerous additional advantages.

These advantages are those mentioned above, in addition to other advantages such as direct debit of payroll, bonus of direct debits, mortgage without land clause, flexible savings products adapted to your needs, discounts on purchases of Ingenium Shopping, and online banking , mobile banking and telephone banking to offer personalized service and complete attention at all times.

The main characteristics

The main characteristics 

Seeks mainly that clients enjoy as many advantages as possible, feel ownership of their investment and obtain benefits when being financed.

Following these objectives, offers a wide variety of services and products to its clients, among the main credit financing services and personal loans we find mortgage loans, personal loans and business financing.

You can also find advisory services for many aspects of financing, savings and investment; Some of the advisory topics are in investments, insurance, financial and patrimonial, retirement and social security, and business financing.

Other banking services that you can find at the time of opening an account are investment funds, savings, deposits, pension plans, among others. You can also obtain a wide variety of insurance for auto, home, health insurance, life insurance, death insurance, professional and business insurance, among others.

The clients that seeks mainly are all professionals, whether engineers or other professions. Giving access to young people, families and businesses to all the banking services offered by this company with great missions and social growth objectives.

Types of loans and credits

Types of loans and credits 

You can find five different types of loans, each one specifically directed towards the needs and possibilities of the different clients that come to the company, allowing them an efficient and comfortable financing.

Next, we will review all types of loans available in this company, along with their respective characteristics, advantages and benefits for each of the different financing cases.

ECO Loan: With this type of loan you can have a maximum amount of up to € 30,000 to improve the energy efficiency of your home or business. If you are looking to invest in energy efficiency for your business specifically, a good option is to get the ECO loan for professionals, a variation of this loan aimed especially at companies with which you can get up to € 120,000.

The repayment term can be up to 5 years, the fixed interest rate is 3.90% (TIN), opening fee of 0.50% (minimum of € 100), partial or total depreciation commission of 1, 00%

The requirements to apply for this type of loan is the direct debit of your payroll, minimum three receipts and a credit card which is free with a minimum consumption of € 1,000 per year, during the term of the loan.

Payroll Loan: The loan with your direct debit from your payroll will allow you to obtain the best personal loan conditions with low interest rate, comfortable monthly installments, a repayment term of up to 10 years, maximum amount of up to 60,000 € without commission for early repayment and neither for cancellation.

Interest rate from 5.66% (fixed), opening commission from € 0.50 (minimum of € 100). The additional costs may be the notarial intervention that can cost approximately 0.30% of the loan amount.

Loan consumption: With this loan you can get the extra help you need to get what you want, in an easy and comfortable way.

You can use this loan for a variety of purposes, such as: reforms to your home or business, buying a vehicle, expenses for your trip, and other needs or tastes with which you need extra money.

The characteristics of this loan is a low interest rate with comfortable monthly installments and with repayment terms of up to 5 years, a maximum amount of up to € 40,000 without a commission for early repayment or cancellation.

The minimum amount is € 3,000, fixed interest rate from 6.25% and opening fee from 0.50% (minimum € 100). Additional expenses may include notarial intervention that may cost approximately 0.30% of the loan amount.

If you direct your payroll, pension or professional income (minimum 3 receipts and also an active credit card) you can get extra benefits on your loan such as: payment insurance protection, and also a life insurance that can cover the amount total of the loan, or even an amount greater than the loan. In case the loan has the purpose of acquiring a vehicle and if you contract insurance with Caja Ingenieros you can get a bonus on the interest rate of the loan.

The requirements to apply for the consumer loan are the following:

  • NIF / DNI / NIE
  • IRPF and patrimony declaration of the last year
  • Certificate of income company and the withholdings of the last year
  • Work life report provided by the General Treasury of the Social Security
  • Salary sheet for the last three months
  • Last receipt of the loan in other financial institutions
  • Domiciliation of the owner’s payroll
  • Justification of the investment that must be financed
  • Payment of the IRPF and the VAT of the current year (in case of being a self-employed worker)
  • Proof of being up-to-date with the IAE payment (in the case of being a self-employed worker)

Loan studies: As a member you have access to loan financing studies, the characteristics of the loan vary depending on the amount of amount required for the loan. The amount varies from € 2,000 to € 50,000.

If a loan is requested with less than € 6,000, there is no commission for cancellation or early amortization, nor for study. The return period can be up to 10 months, 0% interest rate and 50 euros opening fee.

A loan with an amount greater than € 6,000 but less than € 15,000 will also not incur a commission for cancellation or early repayment, the repayment term can be up to 7 years, interest rate at 4.25% and opening commission of 1% (minimum 50 euros).

And the last loan that can have an amount greater than € 15,000 but less than € 50,000 has no commission for cancellation or early repayment, the repayment term is up to 7 years with the possibility of 2 years of capital shortage, interest rate to 4.25 and opening commission of 1% (minimum of 50 euros).

The requirements to apply for any of these loans are: be over 18 years old, prove a level of income or incorporate as a co-owner a person who can prove sufficient income for the risk assessment, and not have the RAI / ASNEF or any other public record of delinquency.

The necessary documentation to process it is the copy of the DNI O NIE, the last two payrolls, IRPF declaration and a proof of registration of the course to be carried out.

Investment Loan: With an investment loan you can make all your investor dreams come true, with a low interest rate, comfortable monthly payments for up to 10 years and a maximum amount of up to € 100,000, this type of loan is an excellent option for People who are looking to invest in a business or any other type of investment.

The main characteristics of this type of loan are a fixed interest rate from 6.65%, opening commission from 0.50% (minimum of 100 euros), maximum amount of € 100,000 and repayment term of up to 10 years. There is no commission for amortization or cancellation.

As in other loans you can get bonuses when you pay your payroll, such as: life insurance and payment protection insurance.

The requirements to apply for this type of loan are the following

The requirements to apply for this type of loan are the following

  • NIE / DNI / NIF
  • IRPF and patrimony declaration of the last year
  • Company certificate of income and withholdings of the last year
  • Salary sheet for the last three months
  • Work life report provided by the General Treasury of the Social Security
  • Last receipt of the loan in other financial institutions

How to apply for credits and loans Online

How to apply for credits and loans Caja de Ingenieros Online

To apply for a Caja Ingenieros loan, you just have to enter the official website, choose the loan you wish to apply for and fill out a simple form that will be sent directly to the company. They will contact you briefly to provide you with all the information you need to follow the loan application process.

Customer service and online banking

All kinds of customer service so that you always stay connected and in control of your bank account. You can use the Online Banking with which you access financial operations 24 hours with total security, you also have access to Mobile Banking with which you can easily operate your operations from your mobile, and Telephone Banking where you can make inquiries and operations in real time with a direct call to the company with business hours from Monday to Friday from 8:00 a.m. to 9:00 p.m.

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