Personal Loans

Are there different types of personal loans?
The personal loans (loans to consumo9 can be fixed or variable rate. If the rate is variable amount of the loan usually has a limit.

What is asking for personal loans?
To cope with all kinds of expenses, from buying a car or computer, even a trip, an investment opportunity ...

Is it advisable to request a personal loan to pay a debt?
Such credits are asking for a lot of needs, all of them valid unless by their characteristics (repayment of the loan in the short term, etc.) be more profitable other type of loan (a credit card ...).

Should we review the credit history before requesting a personal loan?
As in all types of loans, it is advisable to check the history of credits, to know in advance if you are going to grant or not and save time.

Can you negotiate the commissions?
In all types of loans are due to negotiate commissions, as the financial institution that lends money tends to play with a margin that adds to the commission to negotiate the terms with him.

What is rounding into a loan?
In variable rate loans, when reviewing the initial interest is added to a spread that once joined the first leads to a new rate to apply. Some entities, rather than using the interest that results from the previous operation, it rounded the quarter-point higher or lower. Rounding down to benefit the customer, and rounding upward hurt him

8 reviews

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# 1, Charlie

March 27, 2006, at 8:41.

Rounding upward imperative for banking is illegal, claiming one!

# 2, ANONIMO

March 4, 2008, at 12:28.

this pretty well

# 3, luis

March 4, 2008, at 12:29.

okay

-1

# 4, luis

March 4, 2008, at 12:30.

this pretty well

-1

# 5, OCAIRIC

March 14, 2008, at 11:53.

Hello everybody. My question is whether there is a personal loan in multi parallel or independent of the mortgage multicurrency. Thank you very much.

# 6, Rafael

April 1, 2008, at 9:47.

It is possible to acquire a loan in dollars with fixed rate?, A bank offers this type of loan?

Greetings,

-2

# 7, isabel

October 22, 2008, at 16:06.

I wish someone could advise me between home mortgage change of UCI's Santander and BBV CHANGE OF HOUSE two years lack of capital Euribor + 1.15 + interest and the two years it brings a preset amount + interest is assumed that should already have sold but with this picture gives me a little afraid of not having sold.

# 8, isabel

October 22, 2008, at 16:15.

Elizabeth I am again appealing to the page because I do not trust the bancos.Quiero leaf binding, I say the ICU is going to cost me regarding the operation in the BBV have told me that about 4,000 euros to open mortgage also notaries etc ... I read some comments from users of ICU and put them fatal one hand I am well UCI, since in the worst case of no bandages from 3 years the share is higher but without capital and from 5 years pay capital + Interests.
BBV at 2 years you have to pay a one-time interest plus a predetermined amount. Help me that soon called the promoter.

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