They walk the financial organizations with the fly behind the ear. To the increasing difficulties to generate business, to the elevation of the blackberry, etc, the accusation, fomented by politicians and means is united, to be strangling the economy, to families and companies, but especially to these last ones. For that reason many very send campaigns demonstrating ready that they are to finance SMEs. In my modest opinion, mainly they are loaded more of image than of substance. And among them, the Loan Commerce without interests of Caixa Catalonia, focused to finance the needs of this enterprise segment.
When I saw the holder drew attention to me. Especially if we considered the problems that to him its high dilatoriness generates to Caixa Catalonia. A dangerous bet for that must mimar its account of results. Once I put myself to crumble the supply, was clear that it was a clear example of much noise and few nuts. You judge by you yourself, in view of the note of press published by Five Days:
Caixa Catalonia sends a line of financing for commerce to 0% of interest, that will only have the cost of study and opening, with commissions among 3.25% and 3.5%. The credit will have to destine to an aim related to the own business of the commerce or its activity.The loan has a maximum period of six months and it is possible to be amortized quarterly or to the victory. In order to be able to accede to this product, the commerce must be tie to the organization by means of Cuenta Commerce and adhered to a new package of services by which a reduced flat tariff of 10 Euros is pleased to the month.
For many it will have been clear. There are no interests, but there is one lady commission of opening, eliminated logically in advance that combined with a so brief term she gives like result Mr. TAE. Thus, with a 3.5% of commission of opening for an operation to 6 months we spoke of a 13.5% TAE. If we added the obligation to contract pack to him with flat tariff and little services, rather white and in bottle. I almost prefer high interests much more with a longer term. Less financial cost and greater possibility of operations to finance, because saving for very concrete situations or financings of campaign, already they will say to me that investments can generate returns in 6 months.
That if, without a doubt will be able to convince many retailers who the operation is good, and will be able to have a hollow in the means, especially in which they do not know of financing. But the conclusion is clear: without interests it can, but with a financial cost elevated enough.
