And although this may vary throughout the service life margins will remain very similar. This is certainly the best indicator to compare different loans in the market and that calculation takes into account the interest rate, fees and expenses charged by the entity and the term of the transaction.

To give an example of this types of loans, we can name the Loan Star Express of La Caixa to return in 10 months but applying origination fees (2.25%) and study (1%) loan for the return to school CajaSur up 5000 euros and 12 months of repayment, the Young Credit 0% IberCaja for young people aged between 18 and 25 years can get up to 1,800 euros and Credit Zero BBVA request an advance that allows up to 14 net payroll with a commission of opening of 1.5%.

Uno-e offers your mortgage to an interest rate of Euribor +0.69%, with no additional commitment. This difference can be downloaded three tenths to 0.39%, this time household payroll holders against a home insurance and life insurance (0.1% less interest for each product purchased).

This mortgage unoe no commissions, no soil, and can be requested from 30000 euros and up to 80% of the appraised value of the floor. The time limit would be 35 years. It has additional advantages such as the ability to change the mortgage to a fixed period from the first year deferral of payment of annual fees and two others that make it very attractive for recruitment of the mortgage with a-e.

On the other hand “tuhipoteca light” of tubancaja not have any kind of commission, may be requested from EUR 150000 and up to 80% of the appraised value of the floor. The time limit in this case are 40 years and the interest rate is Euribor +0.7% without linking. Like a mortgage, and the differential can be reduced to 0.55% if household payroll, contracts and pension plan funding insurance contracts (0.05 less per product) As a bonus, “light tuhipoteca “allows you to defer up to 6 installments in case of loss of employment of the holder, in these times is warranted. These are mortgages that since blogprestamos think may be more attractive at the moment, because although they offer other conditions and similar interests, the relationship is mandatory and affects more products (receipts, minimum charge card, credit card contracts, … etc)

We must be very careful with these solutions, because what is a difficult situation can become a critical situation. You have to evaluate many different options, and view each particular case, why not for everybody this is the best solution. In what cases can be a solution to regroup loans ?, because honestly think very few. Since we do not forget that these companies are not sisters of charity, are companies looking for profit, and we can assure a profit seeking disproportionately greater than those banks and savings banks or financial institutions, because obviously the risk is greater.

For example, if the family’s financial problem is given because it has lost some of the income of the family unit, but another part of income is considered to be completely stable, almost impossible to lose (the salary of an official, perhaps) whether it would be an option to evaluate the possibility of refinancing the debt with one of the many companies that offer this service. Extend the life of the loan, at the expense of paying more interest, but with a markedly lower monthly fee.

But for the rest of cases, and even then, before venturing to the desperate to accept this type of refinancing your loan, it is better to see the other options: renegotiate your loans and mortgages with your bank, try to change some condition, sell the property on which there is a loan to pay off the remainder of the loan with the proceeds from the sale,. etc. .. Sometimes there is no option, but be very sure, do many accounts, and consider all available options before going to regroup loans and exorbitant interest about irreversibly worsen your financial situation.

We are not against this type of product, provided it is headed, thinking it to be needed, how much is needed, the minimum possible, and seeing the different offers or opportunities offered by companies that supply these products, we must also take into account obviously a plan to pay this loan, which revenues and expenses are going to have on month to meet payments.

One company that has been offering this series of products for over 25 years with millions of customers in Spain, which enjoys the confidence of the market is Cofidis, which offers personal loans for consumption up to 6000 euros.

With Cofidis you can get your loan granted in less than 5 minutes you can choose the payment period from 24 to 48 months. No need to change banks to do or perform any sort of paperwork. As an example, if you request a loan of 4000 euros would you pay a fee of 209 euros to 24 months (1016 euros would pay interest) or 127 euros a share to 48 months (in this case the interest would be 2096 euros).

Our advice as always is to try not to order a consumer credit but if you have no other end or you do trust companies with experience and quality in the sector, such as Cofidis.

The benefits of applying this loan are that you do your bi-weekly automatic payments, variable interest rate is fixed at the time of having the money, procedures very simple, revolving credit once you pay, free secure release on death.

The period is 36 months, you can get up to 8 months of salary or $ 80,000 depending on ability to pay.

If you have credit references can be obtained up to 10 months’ salary or 350,000, depending on ability to pay.

The least they provide are $ 2,000

To hire is necessary to go to a branch of Banamex and cover:
Be between 18 and 79, to receive your payments through payroll or Executive Profile Banamex, 2000 gross monthly minimum, have a minimum of 3 months old in your current job, official identification, proof of income.

1.Avoid delinquent credit obligations. Late payments, bad debts or legal judgments against you make you look like a customer at risk. Get a copy of your credit report and eliminate errors.

2.Click check your credit application. Credit application is incomplete. Perhaps you left out some important information or made an error in the application. Any large discrepancy between the application and your credit record can count against him. The lender will wonder if you are hiding something. Always check your application.

3.Know if you have many queries. Consultations are done every time you apply for credit. Requesting your own report also counts as a question, but is not usually used against you. At the discretion of the creditor, only four inquiries within six months may be considered as a sign of excessive credit activity. The creditor may then assume that you are trying desperately to get credit and are being rejected elsewhere.
NOTE * In general, several investigations of a “significant” purchase like a house or a car loan are counted as “an” investigation.

4.The if there are errors in your credit file. These may arise simply typographical errors, or to confuse his name with some other similar name. Since the credit bureaus handle millions of files, the possibility of error is substantial. Errors can be found and corrected only by carefully reviewing your file for accuracy at least once a year and then take the necessary steps to correct any errors you find.

5.Consider you do not have enough credit. Insufficient credit file. Your credit history is too low for the type or amount of credit requested. You need to develop your credit history more fully before qualifying for the level of credit being requested now.

They often do not know how much it costs us to lend us money, you just ask and I. But often this is what we get to hang and even lead to bankruptcy.

There is a very good option that could be called a win-win and is what many people were engaged before he was as popular as the ATM, before the internet, and even before there was banking organizations.

It is a loan between individuals, but as we could make a win-win situation? (Win-win?).

It’s very simple you have to do is the following.

1. You need a friend who wants to lend dinery and is willing to make money doing it (not much yet earn money)
2. You need to explain that the advantage of this business must be to provide benefits that no one not even the bank offers
3. Need to explain that you need money, which you can pay within ‘n’ months, weeks, days or whatever.
4. Should explain that each will be adding an interest payment, down from ls banks, but this will be the profit that your friend may have.

In this way you get rid of the cumbersome paperwork, of embargoes if not paying, and you can “pay” for that service.

The stringent conditions are:

* You will need full and complete confidentiality between the parties
* You will need trust
* Responsibility for payment
* Be consistent calculation of time and interest
* Be aware of that needed to cover the timely payment because you run the risk that your friend will not lend you money even once more.
* Do not abuse the sums of money because the more money, there will be more risk of losing.

If these rules are made clear will be an excellent strategy of availability of money that you can have.

Hope you have served the boards and have a great day.