{"id":15617,"date":"2026-11-03T09:28:35","date_gmt":"2026-11-03T08:28:35","guid":{"rendered":"https:\/\/www.ccoocaixabank.net\/es\/?p=15617"},"modified":"2026-11-03T13:57:56","modified_gmt":"2026-11-03T12:57:56","slug":"resumen-prestamos-y-cuentas-de-empleado-a-2027","status":"publish","type":"post","link":"https:\/\/www.ccoocaixabank.net\/es\/zona\/estatales\/resumen-prestamos-y-cuentas-de-empleado-a-2027\/","title":{"rendered":"Resumen Pr\u00e9stamos y Cuentas de Empleado\/a 2027"},"content":{"rendered":"\n<div class=\"wp-block-group has-background is-layout-flow wp-container-core-group-is-layout-fff8ce8c wp-block-group-is-layout-flow\" style=\"border-style:none;border-width:0px;background-color:#737373;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n<p class=\"has-text-align-center has-base-color has-text-color has-link-color has-large-font-size wp-elements-1 wp-block-paragraph\"><em><em><strong><strong><em><mark style=\"background-color:#737373\" class=\"has-inline-color has-base-color\">Resumen de intereses de Pr\u00e9stamos y Cuentas de empleados\/as para el 2027.<\/mark><\/em><\/strong><\/strong><\/em><\/em><\/p>\n\n\n\n<p class=\"has-text-align-center has-base-color has-text-color has-link-color has-large-font-size wp-elements-2 wp-block-paragraph\"><strong><em>Y r<strong><mark style=\"background-color:#737373\" class=\"has-inline-color has-base-color\">e<\/mark><\/strong><\/em><\/strong><em><em><strong><strong><em><mark style=\"background-color:#737373\" class=\"has-inline-color has-base-color\">cordamos el abono de intereses en cuenta en diciembre de 2026<\/mark><\/em><\/strong><\/strong><\/em><\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-advgb-accordions advgb-accordions-015807e2-726f-4536-ac47-11350db64b2b advgb-accordion-wrapper advgb-dyn-ff40cd05\" data-collapsed=\"true\">\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:20px\"><div class=\"advgb-accordion-header\" style=\"background-color:#e0291d;color:#ffffff;border-style:solid;border-width:10px;border-color:#f4f2f0;border-radius:2px\"><span class=\"advgb-accordion-header-icon accordion-state\"><svg fill=\"#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\"><path fill=\"none\" d=\"M24,24H0L0,0l24,0V24z\"><\/path><path d=\"M16.59,8.59L12,13.17L7.41,8.59L6,10l6,6l6-6L16.59,8.59z\"><\/path><\/svg><svg fill=\"#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\"><path fill=\"none\" d=\"M24,24H0L0,0l24,0V24z\"><\/path><path d=\"M7.41,15.41L12,10.83l4.59,4.58L18,14l-6-6l-6,6L7.41,15.41z\"><\/path><\/svg><\/span><h4 class=\"advgb-accordion-header-title\" style=\"color:inherit\">Cuenta de Haberes abono 2026<\/h4><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid;border-width:10px;border-color:#f4f2f0;border-top:none;border-radius:2px\">\n\n<ul class=\"wp-block-list\">\n\n<li style=\"margin-top:var(--wp--preset--spacing--30)\"><strong>Cuenta de Haberes 2,43% hasta saldo medio 115.935,37\u20ac.<\/strong><\/li>\n\n\n<li><strong>Cuenta de Haberes 2,18% resto de saldo medio<\/strong><\/li>\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--30)\"><strong>Segunda Cuenta 2,18%<\/strong><\/li>\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"><strong>Los intereses se cierran anualmente el 15 de diciembre de cada a\u00f1o y se abonan en los siguientes 5 d\u00edas h\u00e1biles<\/strong><\/li>\n\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 6.4px) * 0.938), 20px);\"><strong>Una vez conocido el Eur\u00edbor a un a\u00f1o del mes de octubre (3,239%*) hace que el ICFE (\u00edndice condiciones financieras empleados) sea del 3,23% para el 2027.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>*Estimaci\u00f3n del cierre del Euribor de octubre. El oficial aun no se ha publicado en el BOE.<\/strong><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 6.4px) * 0.938), 20px);\"><strong><mark style=\"background-color:#ffffff\" class=\"has-inline-color has-primary-color\">CCOO insistimos en la necesidad de renovar el IBM<\/mark><\/strong>, reconocer el esfuerzo de la plantilla y hacerlo en un contexto de <strong><mark style=\"background-color:#ffffff\" class=\"has-inline-color has-primary-color\">beneficios hist\u00f3ricos<\/mark><\/strong> para la entidad. Son muchas las mejoras pendientes en materia de financiaci\u00f3n, pero <mark style=\"background-color:#ffffff\" class=\"has-inline-color has-primary-color\"><strong>ahora mismo lo urgente es el IBM<\/strong>. <\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Por otro lado<\/strong> <a href=\"https:\/\/www.ccoocaixabank.net\/es\/zona\/estatales\/ccoo-inicia-acciones-legales-para-defender-las-condiciones-de-los-prestamos-de-la-plantilla\/\"><em><em><strong>CCOO hemos presentado un conflicto colectivo<\/strong><\/em><\/em> <\/a><em><em><strong>para exigir a CaixaBank que respete las condiciones pactadas en el Acuerdo Laboral de Pr\u00e9stamos y Anticipos de Empleados y deje de aplicar restricciones que perjudican a la plantilla.<\/strong><\/em><\/em><\/p>\n\n\n\n<p class=\"has-text-align-center has-xx-large-font-size wp-block-paragraph\"><strong>2027<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9ba6dbca wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-9279a97f-552c-4555-a99b-c71db03d2808\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Atenciones Diversas<\/strong><br><strong>3,23%<\/strong><\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-942a71cf-cfa0-4aa6-82ad-60d631e8b7ac\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Cuenta de Haberes <\/strong><br><strong>1\u00aa:<\/strong> <strong>3,48%<\/strong><br><strong>2\u00aa: 3,23%<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\"><strong>Vivienda<\/strong> <strong>2 Primeros a\u00f1os ( + 0,47%)<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9ba6dbca wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-6ba10188-6c56-41ac-978b-f70e79ec4e3c\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Vivienda \u00abA\u00bb<\/strong><br><strong>Tramo 1: 1,20%<\/strong><br><strong>Resto: 4,35%<\/strong><\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-22daf33d-cf53-4b4a-89cf-8515e73a2919\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Vivienda \u00abB\u00bb<\/strong><br><strong>Tramo 1: 3,95%<\/strong><br><strong>Resto: 5,20%<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\"><strong>Vivienda a partir del tercer a\u00f1o<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9ba6dbca wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-93a19e26-0e9d-40b7-adc8-d0c0b3ab9574\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Vivienda \u00abA\u00bb<\/strong><br><strong>Tramo 1: 0,73%<\/strong><br><strong>Resto: 3,88%<\/strong><\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-666cf2ef-f4ac-4115-a597-226414c1468c\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Vivienda \u00abB\u00bb<\/strong><br><strong>Tramo 1: 3,48%<\/strong><br><strong>Resto: 4,73%<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\"><strong>Mejora de vivienda<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9ba6dbca wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-b2c3e5c8-c334-43b3-92c8-23c6f645b2ef\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>2 primeros a\u00f1os<\/strong><br><strong>1,20%<\/strong><\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-7fd78c52-c00f-406e-9312-2946bd337b9a\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>A partir a\u00f1o 3<\/strong><br><strong>0,73%<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\"><strong><mark style=\"background-color:#ffffff\" class=\"has-inline-color has-primary-color\">Retribuci\u00f3n en especie<\/mark><\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9ba6dbca wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-403f28d1-9c03-44ac-82ab-9a148fe610f5\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Vivienda con garant\u00eda hipotecaria<\/strong><br><strong>Euribor + 0,30% <\/strong><br><strong> 3,53%<\/strong><\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-f404d528-70f4-421c-88c8-a84d5afe6352\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Vivienda sin garant\u00eda hipotecaria<\/strong><br><strong>Euribor + 1,00%<\/strong><br><strong>4,23%<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-b3ee7953-9916-4cb1-a694-9db8b045be7e\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Consumo y otras finalidades<\/strong><br><strong>Euribor + 1,90% <\/strong><br><strong> 5,13%<\/strong><\/span><\/a><\/div>\n\n\n\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\"><strong><mark style=\"background-color:#ffffff\" class=\"has-inline-color has-primary-color\">Empleadas\/os Pasivas\/os<\/mark><\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9ba6dbca wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-c7cd11c0-03bf-4159-96a4-cd1ca53f1a3a\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Cuenta de Haberes <\/strong><br><strong>1\u00aa:<\/strong> <strong>3,23%<\/strong><br><strong>2\u00aa: 3,13%<\/strong><\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter\"><a class=\"wp-block-advgb-button_link advgbbtn-64b0a357-1bd3-4d64-bce4-d324deb8db4c\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>Atenciones diversas<\/strong><br><strong>Euribor + 0,30%<\/strong><br><strong>Euribor en el momento de la firma<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-border-color has-primary-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-26986416 wp-block-group-is-layout-constrained\" style=\"border-width:5px;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\"><strong><em>CCOO, persona a persona<\/em><\/strong><br><strong>Estamos contigo a cada paso<\/strong><\/p>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"731\" height=\"114\" src=\"https:\/\/www.ccoocaixabank.net\/es\/wp-content\/uploads\/sites\/2\/2026\/10\/ALAHORAGRIS.jpg\" alt=\"\" class=\"wp-image-15222\" srcset=\"https:\/\/www.ccoocaixabank.net\/es\/wp-content\/uploads\/sites\/2\/2026\/10\/ALAHORAGRIS.jpg 731w, https:\/\/www.ccoocaixabank.net\/es\/wp-content\/uploads\/sites\/2\/2026\/10\/ALAHORAGRIS-512x80.jpg 512w\" sizes=\"auto, (max-width: 731px) 100vw, 731px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">RECUERDA: <\/mark>Este a\u00f1o estrenamos un nuevo sistema de gesti\u00f3n a trav\u00e9s de TuLotero, una plataforma que nos permite ofrecer un servicio m\u00e1s c\u00f3modo, \u00e1gil, sin recargo y seguro para toda la afiliaci\u00f3n.\u00a0<\/strong><br><strong>C\u00d3DIGO DE ACCESO:<\/strong> <strong><mark><mark style=\"background-color:#ffffff\" class=\"has-inline-color has-primary-color\">CCOOCAIXA26<\/mark><\/mark><\/strong><br><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"203\" src=\"https:\/\/www.ccoocaixabank.net\/es\/wp-content\/uploads\/sites\/2\/2026\/09\/tulotero-loreria-navidad-512x203.png\" alt=\"\" class=\"wp-image-14978\" srcset=\"https:\/\/www.ccoocaixabank.net\/es\/wp-content\/uploads\/sites\/2\/2026\/09\/tulotero-loreria-navidad-512x203.png 512w, https:\/\/www.ccoocaixabank.net\/es\/wp-content\/uploads\/sites\/2\/2026\/09\/tulotero-loreria-navidad-768x305.png 768w, https:\/\/www.ccoocaixabank.net\/es\/wp-content\/uploads\/sites\/2\/2026\/09\/tulotero-loreria-navidad.png 818w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/figure>\n<style class=\"advgb-styles-renderer\">.advgbbtn-9279a97f-552c-4555-a99b-c71db03d2808{font-size:22px;color:#000000 !important;background-color:#ffffff !important;margin:10px 0px 10px 0px !important;padding:30px 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Pr\u00e9stamos y Cuentas de empleados\/as para el 2027. Y recordamos el abono de intereses en cuenta en diciembre de 2026 Una vez conocido el Eur\u00edbor a un a\u00f1o del mes de octubre (3,239%*) hace que el ICFE (\u00edndice condiciones financieras empleados) sea del 3,23% para el 2027. *Estimaci\u00f3n del cierre del [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":15647,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"wp-custom-template-noticia-con-encabezado-el-momento-es-ahora-y-pie-el-poder-de-cambiar-las-cosas","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","editor_notices":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15617","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estatales"],"author_meta":{"display_name":"Juan Morais","author_link":"https:\/\/www.ccoocaixabank.net\/es\/author\/juanmorais\/"},"featured_img":"https:\/\/www.ccoocaixabank.net\/es\/wp-content\/uploads\/sites\/2\/2026\/11\/resumen-cuentas-y-prestamos-2027-cas-512x384.jpg","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.ccoocaixabank.net\/es\/categoria\/zona\/estatales\/\" class=\"advgb-post-tax-term\">Estatales<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Estatales<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Publicado 3 d\u00edas hace","modified":"Actualizado 2 d\u00edas hace"},"absolute_dates":{"created":"Publicado el 3 de noviembre de 2026","modified":"Actualizado el 3 de noviembre de 2026"},"absolute_dates_time":{"created":"Publicado el 3 de noviembre de 2026 09:28","modified":"Actualizado el 3 de noviembre de 2026 13:57"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/posts\/15617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/comments?post=15617"}],"version-history":[{"count":34,"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/posts\/15617\/revisions"}],"predecessor-version":[{"id":15701,"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/posts\/15617\/revisions\/15701"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/media\/15647"}],"wp:attachment":[{"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/media?parent=15617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/categories?post=15617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/es\/wp-json\/wp\/v2\/tags?post=15617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}