Economy and Business Votes

No credit is not something that only citizens perceive or do statistics, including Esteban’s ceo has been recognized in the last presentation of results. even so, we see signs on benches or on television or internet ads offering these loans.

Banks know they need to increase business activity not see paralyzed, but also want their delinquency increases and the worst is that when considering the granting of credit, won the second premise. criteria with which to analyze the feasibility of a loan are becoming more rigid and larger collateral requirements. often one would say that banks are willing to grant loans to those who do not need

is there any way out?

from the comparison of banks iahorro you some tips when it comes to raising a financing transaction:

1. Set the maximum quantity to order: the criteria to measure our ability to borrow are more stringent, so that unlike a few years ago, we borrow the money strictly necessary and forget to ask for extra money.

2. Justify the expense: always accompany a budget or pro forma invoice we want to pay with the money and reason why the loan. reforms, vehicles are more valued studies, for example, travel.

3. The list, the best warranty: personal loans, the guarantee is our earnings and marriages if married in community of property, those of both, so that stable recurring income and are a very important point. have a permanent contract and seniority are currently inexcusable requirements.

4. Return it as soon as possible: it is a complicated balance, since the ability to pay in theory makes value more pay less fees. but if you cut the period as possible, pay less interest and will amortize more quickly, which is safer for the bank.

5. Depreciation and insurance payment protection, a mandatory condition: even small amounts of life insurance to guarantee the repayment of loans in case of death or disability are binding contracts. also tends to “force” to take out payment protection insurance, which covers fees for one year in case of becoming unemployed.

6. Additional guarantees: in the case of a personal loan means more speakers or guarantors. properties to provide guarantors, pledge (guarantee payment of the loan with other assets) shares, deposits or other family products liability is a guarantee of success.

The smallest amount possible, with minimum and maximum guarantee in the current environment are key to finally get a personal loan.

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