FEATURES PERSONAL LOANS
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When choosing a loan staff to look at a number of important features defined in the interest rate, commissions both opening, study at the beginning of operation as partial or total cancellation the maximum term, as well as the result of the combination of these type of effective interest or TAE and the fee we pay every month.
The price of the operation does not mark the nominal, if not interest rate the TAE, financial operations of time shorter than the mortgages such as personal loans, the commitments that they will be applied in the opening of operation pose a more significant increase in operation, so to compare loans of the same amount and term must do it with the TAE.
Some loans may have a nominal rate low, but many commissions for other concepts. If we add these, we can see a 7% nominal interest loan comes out more expensive than other 9%, but with less Commission. An ejemenga an TAE delplo clear are “non-interest” loans that they charge us a fee at the beginning of the operation, but to be des low duration makes that for example that a Commission of 3% the total cost exceeds 12%.
Credit and personal loans are destined to the purchase of goods and services to the consumer as a vehicle, computer, vacation or studies. Its amount is not usually high and to apply only it will be necessary to justify our income, but in any case we are committed specifically with a particular good. Thus, the processing is faster in the case of mortgage loans. Also, unlike these loans, the interest rate is usually higher
There is a special category in the personal loans: the consumer credit. It is a type of financing for certain personal needs that are outside of our professional or business activity. Its amount should amount, at least 200 euros
On the other hand, of a time advertising has been invaded with a large number of entities ads offering fast credits (the amount of which does not usually amount to more than 4,000 euros) and which is granted within a maximum of 48 hours and with little documentation. ID card, a payroll, the number of story to enter the requested money and any receipt attesting to our residence, will be more than sufficient to make cash fast credit
In this category we have loans Direct Cash of Cofidis, a credit that allows you to have up to 6,000 euros for what you want and with complete flexibility when it comes to pay the fee every month or define the term of repayment of the credit. Or Big Bank fast credit, up to $ 10,000