It is not difficult if we can find good loans “zero interest”, but always ask the bank usually change the domicile of the payroll to ensure the entry of a fixed capital every month so as not to lose money. The amounts of these loans are not very high and are only accepted in certain cases after a study by the entity. The only costs that raise the loan are the fees for opening or study. Only if the APR of 0% loan bank required only to refund the amount you borrow.
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%.