Yes, the credit institution may apply the spread without the subsidy if you fail to subscribe to contractually anticipated financial products or services. However, if the institution does not do so for a year, that right shall lapse.

Although institutions are prohibited from making credit renegotiation dependent on the acquisition of other financial products or services, it does not cover those cases where the contract already provides, from the outset, the conditions for effecting a lower spread due to the fulfilment of requirements, in particular, of the subscription of other banking products or services.