Keys so that you do not get fooled with a personal loan
That we do not always read that it can ruin our lives these three thousand euros that grant us quickly and easily to change the sofa the car or go on vacation often multiply when it comes to amortizing although from the outset the interest that the entity asks us may seem reasonable the variants can change once the loan is granted for the simple fact of changing certain conditions reduce the quota monthly or extend the terms are just two examples of actions that end up causing pain these penalties Not many ads talk about the additional services that once the loan is signed force us to hire credit card insurance Added costs that may not compensate We really know the small print that is hidden in personal loans Now Muñoz really know the fine print of personal loans is that it is impossible to know that letter Small and although we get to read it is a letter that we have said with many occasions that it is an unintelligible letter that there is no way to see what it means then tricks to avoid that this September slope is put even more if we have to resort to a personal loan preferably do it with an entity of a lifetime avoid those television ads that bombard us
TRICKS:
1ST TRICK
Look especially at the T.A.E annual rate equivalent to 5% APR that many times we know what that detail is because when we see in the bank there are not many ads that still offer us a loan at 0% and this as it is a loan to zero is a zero percent without that we have never heard that of a zero percent has 10%
2ND TRICK
Looking at the T.I.N is a nominal interest rate and does not include all the commissions or all the associated expenses or the related products all that comes behind can is and can be much more expensive a loan 0% team than 118 percent APR that is to say that you have to look at the apr in can is fundamental is the comparator that in addition to calculating the same throughout Europe and We can compare loans foreign entities etc. We are not worth anything a loan that the team has because we will not be able to compare it with another entity if we do not pay the monthly fee because you can not pay it What happens that then comes the interest of delay with the whip The interest of delay Traditionally has been subject to abuses by financial institutions of a lifetime and especially by of private lenders but here we have a novelty that is not well known since April 2015 so it is not so novel that it is a judgment of the Supreme Court for personal loans that say that the default interest can only be two points more than the agreed interest what does this mean this roll that continued agreed 14 percent APR because they are usually high interest can only charge me a 16 percent interest of delay nothing of a 30 or a 300 or a 3000 as they have come to see and this despite the sentences in situation to be of the sentence we continue trying to sneak them then if we sign us you are not all lost now we go
3rd TRICK
Look at the sentence that hurts us to strain, we have to review it because it is appealable and therefore voidable but there are some credits that escape this sentence and escape the general law of consumer credits what are the microcredits that why dramatic pause what are the micro those that at least are very bad for people those ads with that tune are moved with some well-known characters that tell us about very attractive interests very low even that 0% that hide some streets close to 4 thousand percent as four thousand percent to 4% the other day on the sofa watching TV with my husband you see how boring I am I tell look at the tae and tells me but how about what do you tell me stop the image and in small tiny print came out below in the screen that put the 2002 two thousand 333 percent time these interest rates are and so down to earth as it is if I ask for one hundred euros of credit that he paid to him because two thousand euros can be converted into two while hundreds of tions perfectly because because within that of sad eyed that interest are associated with the commissions all those expenses etc. that are not detailed in the advertising law Obligatorily they have to announce it but it is the interest rate team they put it very big very nice and the APR runs in lowercase letter below the belly you can not set a signature base is the contract you can also back down they grant you the credit you can also pay it for this tranquility for those parents.
4°TRICK
They can break the contract, we can back down because we have the right of withdrawal 14 calendar days from the signing of the contract or since they send us the conditions because there are times that we have been able to sign it and the conditions of the send them then we have those 14 days to throw us back to leave it without effect we return the money we must pay the interest until the day that for example if we have hired it Thursday because from Thursday to today the interest that has been generated and is already the same as when we buy a TV an appliance that we do not like that we have 14 days of evolution because with personal loans the same thing that can not be returned are the mortgages the rest of products of goods and services YES.