With this surprising name, Cajamadrid is bombarding us for television with an aggressive campaign of publicity, with different commercials in that a slightly chubby trainer harangues his players to obtain better results. Under the name of Deposit Cosmic Keg hides a fixed-term deposit of 1 year with which it is possible to obtain profitability of 6,5 % TAE, the highest for this term right now on the market.
Now then: is it a gold everything what it re-shows?. We are going to analyze it because this type of offers usually has sometimes some weak point that it is always necessary to study, and in this case the question is in the conditions that demand us to open the deposit.
What do they offer us?
- A fixed-term deposit to 12 months with profitability of 6,5 % TAE
- You receive the interests of the year for anticipated
- Immediate liquidity
- There is no minimum. Only one maximum of 300.000 €
- Several contributions can be realized
- It is both for new and ancient clients
For what do they ask us?
- To have received at least nine payroll fertilizers or to have paid nine Social security quotas or autonomous
- To have paid up to nine receipts domiciled in Cajamadrid or that the domiciled amount is superior to 500 €
- To have with the Entity a card of debit and one of credit, and to have used it at least nine times.
- To be a holder of a pension plan with at least 300 € or to have a receipt Mapfre with an annual quota of 125 €.
- That the whole of what it has in Cajamadrid, reducing 95 % of the balance that it had to the beginning, it is more than it has in the deposit.
- Case to any of these requisites not be fulfilled, then the remuneration will be 4 %
Personally, I think that there are too many requirements to support a deposit for 1 year. Namely like new client, you will have to domicile the payroll, domicile the receipts, ask for two cards (attention to the commissions that should charge from you for her) and more, above, to open a pension plan to you. In case of this deposit, obviously those who less benefit are the new clients, since the ancient ones, if they have some of these products will have saved some of the "costs" that has opening the Deposit Cosmic Keg.
Bear in mind that if you think that it can be that you do not fulfill to the expiration any of the conditions, 4 % is a low interest for what it is offered today of average on the market.
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