Nowadays the Brazilian and Portuguese resort to a personal loan or personal loan for various things. Making a personal loan to pay for vacations, to buy a car or a personal computer is something increasingly common.
To prevent people from becoming too indebted and entering a vicious cycle of paying interest and more interest to the banks the most important thing is to be informed about the loan terms and choose not to hurry, but with head.
Thus before making a loan or personal loan should have a ready cash reserve. If you can pay in cash and will avoid many problems and long-term costs.
If you need to make personal loans because there is no other alternative is to see the various offers available on the market and try to read as much about it before signing any contract. It should be noted that any bank want to sell your product for profit, should not believe the word of the sellers but in numbers.
Before choosing the bank to the credit or loan should have a few things into account. Must make several simulations for various credit payment periods. The longer the period for which you choose will pay more interest even if the benefit is lighter. Despite paying more this can be a solution for some cases, the worst that can happen is the person unable to pay and have to make another personal credit to cover what can not pay.
Must be informed of all conditions of the loan, since the required insurance, taxes payable, bank commissions or seller, penalties for non-payment or advance payment, APR, etc.. You should use the APR, which is the annual rate of charge as a factor in comparing the various loans and personal loans .
The first step in getting a loan or personal loan is to contact your bank. On your bank will know people and have a greater bargaining power, should use their rights and demanding customer a better price. So you will get more favorable terms than normal.
When you make a personal loan should take into account the amount of money they will ask. If you are in Portugal and in need of a loan up to € 2,500 credit that cheaper credit is generally orderly account. Up to this amount the interest rate the account ordered is less than the rate of one credit or personal loan. In the case of the loan over the € 15,000 with a maturity exceeding 36 months should also avoid personal credit and choose to make a mortgage of property. So to Portugal to make a personal loan is for amounts between 2,500 € and 15,000 €. In Brazil, these values are smaller due to a lower cost of life.
Regarding the timing of personal loans is quite simple. The longer it takes to pay more out in terms of interest to the bank. In most cases the term of the credit is calculated according to the durability of the good or service you are purchasing with this money. If you buy a car or motorcycle can have a deadline to pay the debt within 60 months.
Goods or services in short-term rentals as the term is much smaller. The important thing for you to know is that the longer it takes to pay more interest you pay. So to calculate how maximum benefit can be paid and use that number as your monthly payment, so will settle the debt as quickly as possible.
To prevent people from becoming too indebted and entering a vicious cycle of paying interest and more interest to the banks the most important thing is to be informed about the loan terms and choose not to hurry, but with head.
Thus before making a loan or personal loan should have a ready cash reserve. If you can pay in cash and will avoid many problems and long-term costs.
If you need to make personal loans because there is no other alternative is to see the various offers available on the market and try to read as much about it before signing any contract. It should be noted that any bank want to sell your product for profit, should not believe the word of the sellers but in numbers.
Before choosing the bank to the credit or loan should have a few things into account. Must make several simulations for various credit payment periods. The longer the period for which you choose will pay more interest even if the benefit is lighter. Despite paying more this can be a solution for some cases, the worst that can happen is the person unable to pay and have to make another personal credit to cover what can not pay.
Must be informed of all conditions of the loan, since the required insurance, taxes payable, bank commissions or seller, penalties for non-payment or advance payment, APR, etc.. You should use the APR, which is the annual rate of charge as a factor in comparing the various loans and personal loans .
The first step in getting a loan or personal loan is to contact your bank. On your bank will know people and have a greater bargaining power, should use their rights and demanding customer a better price. So you will get more favorable terms than normal.
When you make a personal loan should take into account the amount of money they will ask. If you are in Portugal and in need of a loan up to € 2,500 credit that cheaper credit is generally orderly account. Up to this amount the interest rate the account ordered is less than the rate of one credit or personal loan. In the case of the loan over the € 15,000 with a maturity exceeding 36 months should also avoid personal credit and choose to make a mortgage of property. So to Portugal to make a personal loan is for amounts between 2,500 € and 15,000 €. In Brazil, these values are smaller due to a lower cost of life.
Regarding the timing of personal loans is quite simple. The longer it takes to pay more out in terms of interest to the bank. In most cases the term of the credit is calculated according to the durability of the good or service you are purchasing with this money. If you buy a car or motorcycle can have a deadline to pay the debt within 60 months.
Goods or services in short-term rentals as the term is much smaller. The important thing for you to know is that the longer it takes to pay more interest you pay. So to calculate how maximum benefit can be paid and use that number as your monthly payment, so will settle the debt as quickly as possible.
PERSONAL LOAN WITH RESTRICTION
To make a personal loan with restrictions will have to look a little better and will have a rate higher personal credit. The interest rates of this type of personal credit is higher as banks and financial know that people in need of a personal credit constrained are more desperate and usually require a personal credit urgently.
I hope this article will be useful in searching for your personal loan. When you buy a personal loan or credit should always think about whether you really need one as well because things can go wrong on occasion. The Brazilians and Portuguese are already highly indebted and this is one of the reasons for this event is to make hasty and spending without thinking. If you have any questions please feel free to leave a comment.
No comments:
Post a Comment