IBanesto 15% TAE a un mes si contratas hipoteca

El banco virtual de Banesto, Ibanesto.com, sube el listón de los depósitos a un mes: 15% TAE –lo que da, en realidad, un 1,25% de rentabilidad, fruto de prorratear la retribución gancho entre los doce meses del año–.

Pero conseguir este tipo de interás es necesario contratar una hipoteca –cobra euribor más 0,35%– en el plazo máximo de un año y medio. Si el cliente no la contrata, el depósito sólo remunera a un 3,5% TAE. Por eso, Banesto los denomina depósitos hipotecarios, en los que permite invertir, como máximo, 50.000 euros.



8 Comentarios »
  1. A los bancos y cajas de ahorro se les llena la boca cuando hablan de estos depósitos «mega-hiper-rentables». Y no dejan de ser más que un gancho con poca rentabilidad. Bien saben ellos que lo que realmente repercute es el interás anual en la cuenta corriente, no estas ofertas temporales que cuando finalizan se acaba el negocio. Mientras que muchos bancos dan intereses anuales por debajo del 1% (además de las comisiones que cobran) otros se dedican a ofrecer unas condiciones razonables a sus clientes, como INGDirect.

    Comment by Su Vivienda — mayo 25, 2007 #

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