FAMILY
Saving and deposit accounts
CURRENT ACCOUNT: Maximum security and accuracy in payments and collections, with frequent extracts and information. All the traditional advantages plus an attractive return.
LIBRETA BLANCA BANK BOOK: availability, with growing interest from the first euro. Total cash availability and an attractive rate of return. Deposits starting at 60 euros. Automatic interest revision, applied to daily balance.
LIBRETA VIVA BANK BOOK: it channels fixed deposits guaranteeing a periodical interest payment to fit every customer. Annual returns guarantees without depending on the fluctuating financial market.
HOUSING ACCOUNT: with interest on the balance aimed at buying a home, for as long as the law permits (currently four years). Important tax rebates. Savings linked to a mortgage with preferential conditions.
ESTALVI CREIXENT: guaranteed interest for three years and a day. High aggregate returns and tax benefits.
EUROBORSA ASSEGURAT: Fixed deposit allowing you to invest in the stock market with no risk, with tax benefits and choosing the option you prefer. more information
Previson and future
FUTURE SAVINGS: to set up a capital amount so that your children have the financial backing they need when they travel to study abroad, pay the down payment for a home... And even when the parents pass on, the capital will continue up to the age that is established when the account is opened. Optionally, for a minor fee, you can guarantee your children a monthly income up to the end date.
PREVISION SAVINGS PLAN: this is the easiest way to save and recover your savings, whenever you wish, with magnificent interest rates based on periodical deposits. Extraordinary deposits permitted.
LAIETANA PENSION PLAN: basic instrument to improve your personal economy in the future and obtain additional income in the form of capital or a monthly pension. Maximum tax rebates. Your best bet for tomorrow. more information
MULTIFONS: Life insurance that invests in investment funds selected by the client. You can change from one fund to another at any time without tax more information
Investment funds
INVESTMENT FUNDS: A good return from the first penny and a favourable tax regime. With total availability, this is a highly positive investment with maximum security because these Funds operate with Public Debt and first-class fixed income stock., Fonlaietana30, Fonlaietana (FIM), Laidiner, LaietanaBorsa FIM.
Means of payment
6000 MAESTRO CARD: with total security, you will be able to obtain money all over the world, using 6000, 4B, Semp-Servired telling machines in Spain, and Europay and Cauce elsewhere. You will also be able to pay for products and services at Point of Sale Terminals the world over.
VISA CARD: in its classic and gold versions, it allows you to obtain money from telling machines and pay for your purchases in instalments. Both cards include free insurance when using public transport, as long as it is paid for with the cards. The gold VISA has more advantages.
6000 MASTERCARD: "Mastercard integral purchasing service". This card allows you to pay for your purchases from anywhere in the world in instalments.
Loans and credit lines: Consumer loans
to buy a car, renovate your home, buy furniture, domestic appliances, holidays..., and a fixed interest rate over 5 years or a variable rate over 10 years. Request information on the advantages of being a customer of Caixa Laietana, and mention that your pension or salary is paid here, or that you have a Pension Plan... when you apply for the loan.
HOUSING LOANS: to buy or renovate a home... we have a wide range of possibilities from which to choose (fixed, mixed or variable rate, revised every six months or every year). We have the loan that you need.
Payroll and pension payments
PAYROLL: paid directly into your Caixa Laietana bank book or account. No bank book maintenance fees, payroll loans if your salary is paid in direct, free accident insurance of up to one million pesetas, special conditions when taking out insurance of any kind and the convenience of accessing your funds at any time of the day or night using Caixa Laietana, 6000 telling machines... and now using Europay telling machines available the world over.
PENSIONS: free pension processing, accident insurance up to 6,000 euros, no bank book maintenance fees, special conditions when taking out insurance of any kind, monthly "double pension" lottery... We will take care of the formalities required to change your pension to this account. When you do so, you will receive a Sony clock-radio as a welcome gift.
DIRECT DEBIT: free direct debit services for your domestic bills, etc.
INSURANCE
LIFE INSURANCE: paying compensation upon the insured's death or invalidity.
HOME INSURANCE: insurance with a wide range of coverage for accidents, civil liability, etc.
LOAN PAYMENT INSURANCE: covering loan balance upon the death of a person holding loans granted by Caixa Laietana.
CAR INSURANCE: with excellent conditions. Ask for a cost estimate at 902 116 437.
CASER SALUD: broad-coverage health insurance, including first-class hospitals all over Spain, with excellent conditions for Caixa Laietana customers.