Bank loans may be required for any personal needs of customers as emergency home repairs, debt consolidation, long-term projects, among others. Ie cases in which a greater outlay is required and can also be paid in a longer interval of time.
While credit cards are a good resource, these are usually more effective for temporary situations, explained Ignacio Caparelli, vice president of Citibank products of Peru. Today, many banks offer loans to seven times our salary or more. Learn how you can access these loans and their options in the market.
1. WHAT DO I NEED TO ACCESS A LOAN?
To access credit, customers must meet the following requirements: not submit adverse information in a credit bureau, receive a minimum net income of between S / 700 and S / .1.000, the bank, and having more than a year in the current job. If you meet these guidelines, you simply approach a bank branch to be evaluated with your ID and, in some cases your phone bill.
2. HOW TO I GET?
Some banks offer loans of up to seven times their salary to a maximum of S /. 60,000 in the case of BanBif and Interbank, of S / 50000 provides the Banco Falabella and S / .87.500 in the case of BCP. Fernando Cisneros, deputy consumption BBVA Continental, explains that the number of times your salary is a standard parameter to measure the ability to pay the client, according to their income.
However, Juan EcheandÃa manager BanBif Products Division, states that the final amount of the loan is defined by variables that make the client profile, such as income level, if you have other debts in the financial system, expenditures that you may have, family burden and other expenses to indicate the maximum ceiling on each.
3. WHAT IS THE MAXIMUM OF FEES?
The financial system usually gives the ability to repay loans with a maximum of between 48 and 60 shares. This gives the customer a choice within this range the term that best suits you. Interbank, BCP and BBVA give a maximum period of 60 months to pay cash credit, while Banco Falabella BanBif and given a period of up to 48 months.
"Based on the assessment, the credit profile of the customer will be determined and will indicate the maximum amount of each installment" refers Benjamin Castro, area manager credit cards, personal loans and segments of the BCP. Remember to always be advisable to measure the amount of fees, to avoid excessive interest.
4. INTEREST RATES
BBVA Cisneros indicates that interest rates are variable and depend on the customer profile: consumer segment, loan amount you wish and credit history are major. On the side of BanBif, although the rate is variable, its standard tariff rates indicates that they are reaching 24% TEA. According to SBS, if we apply a personal loan of S / 10 000 to 12 months, the maximum rate will go from 23.67% in Banco Financiero up to 57.52% in Banco Falabella, with shares of S / .931 to S / .1.056.
5. CARD OR CASH
When having credit, this is disbursed in a savings account and can be accessed through a debit card at any bank branch. Also through the alliance of these Globalnet teller, ATM or Internet Correspondents. If you do not have a savings account at the bank where he took credit, this will open a loan to deposit. "The loan has better rates than other products, is the best choice if you need money and do not have time to save him," said Castro. <.>
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