It makes few days comentabamos that the credits to the consumption every time are more expensive, the main reason, according to the bank, is the uncontrolled increase of the dilatoriness. For that reason and to compensate, the banks are offering personal loans to a greater cost “to coast” to increase the types of interest.
Today we are going to deal with the Personal Loan oficinadirecta.com that, to be correctly updated the data of the loan in its Web, we would be speaking of a very competitive personal credit, with conditions significantly better than the average general of credits to the consumption.
The personal loan of oficinadirecta.com is the answer of the organization to the needs of the consumers to confront the expenses of trips, reforms in the home, purchase of furniture, trips of studies of the children to the foreigner, etc.
Characteristics of the loan
Type of initial interest 5.95% the first year, as it indicated before, a type of interest noticeably inferior to the average of credits to the consumption. The rest of years, the credit has annual revision of interests to Euribor + 2,75
It does not have expenses of Commission of opening nor Commission of study.
Maximum term of amortization: Up to 10 years, according to purpose
Minimum term: 2 years
Examples of TAE 6.33% for a loan of 6,000 € to 2 years.
5.90% for a loan of 6,000 € to 5 years.
Calculations conducted including one € of the insurance of life for a man of 30 years prevails annual of 14.96, and considering the last one
Euribor, published in the BOE by the Bank of Spain in March of 2009 (2.135%)
Commission by anticipated amortization 1% of the amount cancelled early
Requirements
Domiciliation of monthly income and at least two receipts of provisions
Card hiring 4b and Visa, gratuitous while it maintains his income domiciled.
Formalization of an insurance of life by the amount of the loan.
The loan as so many other personal credits can be asked for by telephone route or by Internet.
Positive and negative aspects of the loan
Like positive part, previously stressed, it is a loan cheaper than the average of the market that at the moment is placed surroundings to a 11% although it varies following the banking organization or the financial establishment of credit enough.
In the negative, the additional hiring of products to be able to accede to the loan in the set out conditions. The additional financial product hiring seemed boundary reserved for the mortgages but lately we are verifying as this practices extends
