CREDIT OR LOAN OF FREE INVESTMENT
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Car, House, or scholarship. With this said, goods that all dreams are summarized. However, over time these desires have changed both options offered by banks to helpus achieve them.
Today, a well deserved holiday, a computer or appliances for our kitchen also come into the list of basic goods.
Costs often require an effort of our pockets we can not always realize, but the need for them doesn’t wait, and then is when we think of to ask for financial aid.
Free investment credits are a good alternative to be free destination, as its name implies. They are loans granted from one million to 500 million pesos, with terms ranging from 6 to 180 months and conditions that each financial entity sets. Although the majority of these entities or banks lends money at fixed rates, there are some thatdo so with variable rate.
These represent interests that hover between 9% and 30% per year, unemploymentand temporary disability insurance, and, in some cases, associated costs.
In fact, the website Banlinea provides details of the appropriations available in the majority of banks operating in the country. There, you can see, products, fees and deadlines so that investigate, compare and decide which is the best choice.
WHAT MUST BE TAKEN INTO ACCOUNT?
In assessing who apply for the loan, the interest rate should not be the factor that most weigh in your decision. The chosen entity must have broad portfolio of products, channels and services enabling you to have it throughout its life credit and on theachievement of your goals.
Also you must ensure that all the conditions and characteristics of the credit offeredby the entity completely meet your needs.
But not everyone can access this type of loans. If you not bearing a fixed as employee, pensioner, or independent, income that is higher than a minimum wage, you may to the entity do not grant it.
In addition to this requirement, also could make harder it loan management the factthat you do not have a good habit of payment with its other financial obligations.
For banks it is also important that you can justify and support revenues that are reporting them. Thus, it will facilitate the analysis that will be on their ability to pay. Hishonesty is essential at this point: this is a study that should do before you go to an entity. Are you able to comply with the amount of fees that will be required for this credit?
Carefully check your finances in the short and medium term, because nobody betterthan you to know if you will not have problem to meet the payments that you will require.
Before these questions, there is an even more important question to resolve not to take steps to false: for you the loan? Bancolombia analysts ensure that such loans are made for goods considered to be a basic need. But a wrong way to invest this money are luxury items that only respond to satisfy desires.
Consulted experts say that it is common that the savings are not sufficient to support the investments that you want to make paying cash and that, therefore, such loans are being crowded.
In addition to providing the opportunity to acquire what you dream, although it does not have enough savings, free investment loans have other ‘bonus track’ which should be taken into account.
With these loans, a good payment history can generate in the financial system, allowing you to have good Bank references that would support their future projects with other loans.
To engage with certain payment dates and amounts of money, it is demonstrating its commitment and sense of responsibility. In a next chance, these elements will giveyou more confidence to any entity to grant loans or financial aid.
Such loans also allow you to have a closer relationship with the Bank chosen, whichwill accompany it in the achievement of their goals.
When you get into a free investment credit, don’t forget that, from that moment, you are writing their history and, sure, banks and other financial institutions will want to continue to do part of it if its behavior is correct.