Tags Posts taggeados en "préstamos"

préstamos






Are you Considering Applying for a Loan?

At some point of your life, you would have probably thought about applying for a loan. Maybe because you need just and extra economic push, or because you want to spend some additional money on doing something extraordinary. In any cases, you should inform well before making a decision on this matter.

Loans
Loans

What Is a Loan?

It is a lending you get from a friend, financial institution or a bank with some frames to pay back the money you are receiving. You commit to pay in the frame of a period of time, to the principal and interests, depending on the clauses you have settled with your lender.

There are several types of loans, your choice will always depend on the commitment and confidence you have on paying on time. Otherwise, the loan can become a serious problem for you and your family. It is very important to measure the consequences of failing in acquiring this responsibility in order to accomplish your goal, or accepting the possible losses you could eventually have.

In What Cases Should I Get a Loan?

Sometimes your savings will be enough to get covered all the expenses you have. But in some cases, this expenses are higher and there is no way for you to get them paid. This is the case of big purchases like a car, home, or a major expense like pay for college. It can be used also when you just need a start-up capital. Remember to ensure your loan by planning your payments. If not, you will get in a stressful situation. Think wisely about it.

Loans Mortgage
Loans Mortgage

What Kind of Loan Can I Get?

It depend on the amount of the loan you need, the institution which is giving you the loan, your allowance to pay, the time you will need to complete the loan payment, among other things.
Almost all banks are willing to give loans to their clients; it means a profit for them while you pay for the interests. They give some with low interest rates and others are very expensive at last. Once you have decided to apply for a loan, you need to take into account all these apparently subtle details; they will become an ally or an enemy in time.

It is important to know that some loans are secured, and some others are unsecured. It means that some banks will require you to have an asset or collateral for your loan. In case you are not able to pay on time your credit or loan, then the bank will take something off you; a property you have settled before in this case. In general terms, the collateral worth is equivalent to the amount you have received. These loans are generally higher than unsecured.

Unsecured loans mean lower amounts; let us say less than $5,000. One disadvantage you can find is that rates of interest are usually the highest. However, you can get them easily with no much paperwork and immediately. They have high interests because the bank does not have any asset to rely on in case you are not able to pay on time.
You can find personal loans. The credit history you have achieved until the moment you apply for a loan will certainly decide your chances to get one. If you have been punctual at paying your credit card statements, your former loans, and have showed you actually have a clean and satisfactory credit at your banks or any other commerce, then you are eligible for getting a loan.

Another way you can get a loan is through cash advances. Nevertheless, try not to use it unless it is not necessary. Your credit card company or others can give you cash in advance, but the interest rates are very high, extremely expensive at the end. Yet, if you are in a rush and you actually need to get less than $1,000 this can be a good chance for you. Just remember the rates are going to be exceptionally high.

On the other side, if you need a loan to accomplish College studies, then you could afford for student loans, they are very convenient since they will not start to charge you until you have obtained your diploma, if you are full time college student. The downside is that you could get a debt up to $100,000 and it will be difficult to begin the career with such a big bill to pay. The advice should probably be to study something you really love and will lead you to a successful career to allow you paying everything.

If you are looking for purchasing a home, then mortgage loan is the best option you have. The pros of this kind of loans leads you to get 10-, 15- or even 30-year terms. The payments are tax-deductible and they result in the lowest interest rates. In these cases, the asset to secure your loan is the house itself. It is also the most daring loan, since if you do not pay in a timely way, then the bank will take the house as part of the payment. You need to make certain on being able to pay.

There are some loans which are equivalent to mortgages ones. They are made over the mortgage you already have. It is equal to the amount you already own of your house and it is ideal for additions in your house, improvement, debt consolidation or any other big purchase you need to do. The advantage is that it is usually tax-deductible and the rates are low comparing to others.

All given options are for personal loans. However, if you are thinking on a small business, then you can rely on a small business loan. What you need to do is get prepared with all the paperwork to get it. You have to register the company and start the process of taxing, office, everything written and certificated so you seem reliable to the bank. Almost all local banks are willing to offer business loans, so you just need to get your business plan and go for it.

Another important fact about loans is the kind of rate, if it is fixed or variable. Fix means it will remain the same on time; variable will change in time according to the national base rate for loans. It will change the total amount to be paid at the end of the term you agreed with the financial institution.

If you are thinking on starting your own business, for sure you are going to need from a higher amount of money to start it. One of the biggest challenges to an entrepreneur or start-up business is to gather all the funds needed to kick it off. Moreover, the one who owns lots of money is of course, a bank. Actually, one of the main reasons most people approach banks, is to get a loan.

Even though, it does not mean it is an easy task. Trying to finance a new business can be a tough errand to do for beginners. Some of the entrepreneurs are lucky and perseverant enough to make the pre-approval papers done and get their goal to be selected for a loan. However, there are many rejected applications for one approved.

This situation has been changing over the years due to the potential small businesses have. Banks has become more open to help and offer this kind of loans in order to build strong business relationships with new small companies.
Even when getting a bank loan is not the only way to raise funds for a small business, it is the most common. You should make certain to explore and consider the pros and cons of them. There will always be some advantages and disadvantages you should think about.

Credit Loans
Credit Loans

Some Pros of Bank Loans for Small Business

Useful and accessible. Banks are always accessible; it means you can reach them easily day by day. Once you have become a bank client for years, they become familiar to you, the services get more personalized. That is the reason to consider the bank you have been working with for years.

Several Loan options. Almost all banks are always trying to offer different kinds of loans for their clients to help them set a new business. They get a good profit from the interest they charge on the loans. They use to offer options like standard business loans, term loans and many other personalized to the entrepreneur.
Non profit participation. Some investors are willing to provide a loan with the agreement of sharing ownership, right to change or influence decision making or sharing the profits of your newly set business.

However, with banks you will not face any of these disturbances. They just want you to pay your interest and it will be fine for them; it helps you preserve your prerogative to decide anything about your business.
Lesser interest rates. Even when you are being charged every time you purchase a new loan, it will be always better than other lending agencies or instruments like credit cards.
Benefits on taxes. One major advantage on bank loans. If you are paying a small business loan, you get a tax-deductible rate, since you are using part of your profits to pay it.

Nevertheless, there are some points you should also consider when making the decision of getting a loan. For example:
Slow and meticulous application process. As the bank needs to verify all the information given by you on your business before approving the loan, these processes can take a lot of time. Be patient.

Long prerequisite list to get the loan. Sometimes it is difficult or troublesome to get all these requirements at once, precisely because an entrepreneur is starting a business. Some papers are in standby, others take time to be ready. Therefore, many times it is difficult to meet all of them.
Risk of losing your assets. As most of the loans are secured with a collateral, there is a big risk to lose your goods if you fail the right time payment.

Predilection for running businesses. As credit history is very important to approve a new one, since they give reliability and profitability to the bank, new businesses are difficult to get the first attention and confidence from the bank.
Incomplete final amount. This is something you should take into account when applying for a loan. Most of banks grant up to 70 to 80% of the amount you applied for. This can be a problem for the entrepreneur who is counting with the full loan.

Awkward. Sometimes banks ask for lots of information you might think is not necessary. However, you have to overcome the difficulties and try to keep a good attitude and cooperate as much as possible.
These are some of the advantages and disadvantages you will find once you decide to apply for a personal or business loan in a bank. Get prepared to overcome all the difficulties and be positive in every step of the process.

How to Deal with the Loan

Once you loan has been approved, there are several things you should change about your habits, to get the best advantage and not being trapped on the fixed charges.
It will depend on the type of interest you loan has, fixed or variable. The first advice is to pay on time at least your minimum fee. And of course, if you can make an additional payment, you can do it. However, you need to evaluate your profits and see what is best to do. It is a long-term work to get familiar with the numbers and find the best way to cushion your debt.

You can use extra profits to make extra payments, try to do it at least once in a year if you can. Nevertheless, the most important is you can start a new way of earning money with the loan you received. That is why you should plan your financial activities to make of it a good investment.

 



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Are you Considering Applying for a Loan?

At some point of your life, you would have probably thought about applying for a loan. Maybe because you need just and extra economic push, or because you want to spend some additional money on doing something extraordinary. In any cases, you should inform well before making a decision on this matter.

Loans
Loans

What Is a Loan?

It is a lending you get from a friend, financial institution or a bank with some frames to pay back the money you are receiving. You commit to pay in the frame of a period of time, to the principal and interests, depending on the clauses you have settled with your lender.

There are several types of loans, your choice will always depend on the commitment and confidence you have on paying on time. Otherwise, the loan can become a serious problem for you and your family. It is very important to measure the consequences of failing in acquiring this responsibility in order to accomplish your goal, or accepting the possible losses you could eventually have.

In What Cases Should I Get a Loan?

Sometimes your savings will be enough to get covered all the expenses you have. But in some cases, this expenses are higher and there is no way for you to get them paid. This is the case of big purchases like a car, home, or a major expense like pay for college. It can be used also when you just need a start-up capital. Remember to ensure your loan by planning your payments. If not, you will get in a stressful situation. Think wisely about it.

Loans Mortgage
Loans Mortgage

What Kind of Loan Can I Get?

It depend on the amount of the loan you need, the institution which is giving you the loan, your allowance to pay, the time you will need to complete the loan payment, among other things.
Almost all banks are willing to give loans to their clients; it means a profit for them while you pay for the interests. They give some with low interest rates and others are very expensive at last. Once you have decided to apply for a loan, you need to take into account all these apparently subtle details; they will become an ally or an enemy in time.

It is important to know that some loans are secured, and some others are unsecured. It means that some banks will require you to have an asset or collateral for your loan. In case you are not able to pay on time your credit or loan, then the bank will take something off you; a property you have settled before in this case. In general terms, the collateral worth is equivalent to the amount you have received. These loans are generally higher than unsecured.

Unsecured loans mean lower amounts; let us say less than $5,000. One disadvantage you can find is that rates of interest are usually the highest. However, you can get them easily with no much paperwork and immediately. They have high interests because the bank does not have any asset to rely on in case you are not able to pay on time.
You can find personal loans. The credit history you have achieved until the moment you apply for a loan will certainly decide your chances to get one. If you have been punctual at paying your credit card statements, your former loans, and have showed you actually have a clean and satisfactory credit at your banks or any other commerce, then you are eligible for getting a loan.

Another way you can get a loan is through cash advances. Nevertheless, try not to use it unless it is not necessary. Your credit card company or others can give you cash in advance, but the interest rates are very high, extremely expensive at the end. Yet, if you are in a rush and you actually need to get less than $1,000 this can be a good chance for you. Just remember the rates are going to be exceptionally high.

On the other side, if you need a loan to accomplish College studies, then you could afford for student loans, they are very convenient since they will not start to charge you until you have obtained your diploma, if you are full time college student. The downside is that you could get a debt up to $100,000 and it will be difficult to begin the career with such a big bill to pay. The advice should probably be to study something you really love and will lead you to a successful career to allow you paying everything.

If you are looking for purchasing a home, then mortgage loan is the best option you have. The pros of this kind of loans leads you to get 10-, 15- or even 30-year terms. The payments are tax-deductible and they result in the lowest interest rates. In these cases, the asset to secure your loan is the house itself. It is also the most daring loan, since if you do not pay in a timely way, then the bank will take the house as part of the payment. You need to make certain on being able to pay.

There are some loans which are equivalent to mortgages ones. They are made over the mortgage you already have. It is equal to the amount you already own of your house and it is ideal for additions in your house, improvement, debt consolidation or any other big purchase you need to do. The advantage is that it is usually tax-deductible and the rates are low comparing to others.

All given options are for personal loans. However, if you are thinking on a small business, then you can rely on a small business loan. What you need to do is get prepared with all the paperwork to get it. You have to register the company and start the process of taxing, office, everything written and certificated so you seem reliable to the bank. Almost all local banks are willing to offer business loans, so you just need to get your business plan and go for it.

Another important fact about loans is the kind of rate, if it is fixed or variable. Fix means it will remain the same on time; variable will change in time according to the national base rate for loans. It will change the total amount to be paid at the end of the term you agreed with the financial institution.

If you are thinking on starting your own business, for sure you are going to need from a higher amount of money to start it. One of the biggest challenges to an entrepreneur or start-up business is to gather all the funds needed to kick it off. Moreover, the one who owns lots of money is of course, a bank. Actually, one of the main reasons most people approach banks, is to get a loan.

Even though, it does not mean it is an easy task. Trying to finance a new business can be a tough errand to do for beginners. Some of the entrepreneurs are lucky and perseverant enough to make the pre-approval papers done and get their goal to be selected for a loan. However, there are many rejected applications for one approved.

This situation has been changing over the years due to the potential small businesses have. Banks has become more open to help and offer this kind of loans in order to build strong business relationships with new small companies.
Even when getting a bank loan is not the only way to raise funds for a small business, it is the most common. You should make certain to explore and consider the pros and cons of them. There will always be some advantages and disadvantages you should think about.

Credit Loans
Credit Loans

Some Pros of Bank Loans for Small Business

Useful and accessible. Banks are always accessible; it means you can reach them easily day by day. Once you have become a bank client for years, they become familiar to you, the services get more personalized. That is the reason to consider the bank you have been working with for years.

Several Loan options. Almost all banks are always trying to offer different kinds of loans for their clients to help them set a new business. They get a good profit from the interest they charge on the loans. They use to offer options like standard business loans, term loans and many other personalized to the entrepreneur.
Non profit participation. Some investors are willing to provide a loan with the agreement of sharing ownership, right to change or influence decision making or sharing the profits of your newly set business.

However, with banks you will not face any of these disturbances. They just want you to pay your interest and it will be fine for them; it helps you preserve your prerogative to decide anything about your business.
Lesser interest rates. Even when you are being charged every time you purchase a new loan, it will be always better than other lending agencies or instruments like credit cards.
Benefits on taxes. One major advantage on bank loans. If you are paying a small business loan, you get a tax-deductible rate, since you are using part of your profits to pay it.

Nevertheless, there are some points you should also consider when making the decision of getting a loan. For example:
Slow and meticulous application process. As the bank needs to verify all the information given by you on your business before approving the loan, these processes can take a lot of time. Be patient.

Long prerequisite list to get the loan. Sometimes it is difficult or troublesome to get all these requirements at once, precisely because an entrepreneur is starting a business. Some papers are in standby, others take time to be ready. Therefore, many times it is difficult to meet all of them.
Risk of losing your assets. As most of the loans are secured with a collateral, there is a big risk to lose your goods if you fail the right time payment.

Predilection for running businesses. As credit history is very important to approve a new one, since they give reliability and profitability to the bank, new businesses are difficult to get the first attention and confidence from the bank.
Incomplete final amount. This is something you should take into account when applying for a loan. Most of banks grant up to 70 to 80% of the amount you applied for. This can be a problem for the entrepreneur who is counting with the full loan.

Awkward. Sometimes banks ask for lots of information you might think is not necessary. However, you have to overcome the difficulties and try to keep a good attitude and cooperate as much as possible.
These are some of the advantages and disadvantages you will find once you decide to apply for a personal or business loan in a bank. Get prepared to overcome all the difficulties and be positive in every step of the process.

How to Deal with the Loan

Once you loan has been approved, there are several things you should change about your habits, to get the best advantage and not being trapped on the fixed charges.
It will depend on the type of interest you loan has, fixed or variable. The first advice is to pay on time at least your minimum fee. And of course, if you can make an additional payment, you can do it. However, you need to evaluate your profits and see what is best to do. It is a long-term work to get familiar with the numbers and find the best way to cushion your debt.

You can use extra profits to make extra payments, try to do it at least once in a year if you can. Nevertheless, the most important is you can start a new way of earning money with the loan you received. That is why you should plan your financial activities to make of it a good investment.

 

créditos

 
No cabe duda que el momento más difícil en la vida de un emprendedor es contar con la liquidez necesaria para desarrollar su proyecto empresarial, y máxime si estas personas son jóvenes y no cuentan con la solvencia de sus padres. Es un duro proceso que puede terminar finalmente con el abandono de la iniciativa.

No obstante, los jóvenes emprendedores cuentan en estos momentos con algunas vías de financiación muy especiales para afrontar las necesidades de su nueva etapa empresarial. Se tratan de los préstamos destinados a este importante colectivo social, y que algunos bancos se encargan de comercializar entre sus clientes.

De momento no hay habilitadas excesivas propuestas, pero sí las suficientes como para poder llevar a la práctica sus ideas. Se trata de préstamos de entre 10.000 y 35.000 euros que están destinados a esta actividad profesional, y que cuentan con plazos de amortización muy flexibles, que van desde los 2 años a un máximo de 10.

Pero lo más importante en estos productos bancarios son los tipos de interés que aplica. Pues bien, son más beneficiosos para sus demandantes, en no más del 7%, y generalmente exentos de cualquier clase de comisiones. Además, suelen contar con otras aportaciones, como son los períodos de carencia, o poder cancelarlos con anticipación, sin ninguna penalización.

Para acceder a estos productos hay que presentar el proyecto, y será necesario que éste sea viable, en cuyo caso se aprobará la demanda rápidamente, sin la necesidad de presentar cualquier clase de aval, ni familiar ni profesional. Entonces ya estarán listos los jóvenes emprendedores para firmar el contrato.

Se trata de una de las líneas de financiación más favorables, y que sin constituir un crédito blando, permiten a sus demandantes iniciar un proyecto profesional en el que creen. Precisamente al principio, que es el momento más decisivo para acometer este reto.

Y que en cualquier caso, se diferencia de los créditos a emprendedores de mayor edad, que cuentan con otros productos más específicos en la actual oferta bancario de este año.

creditos

 
Los trabajadores con sueldos más bajos, por debajo de los 800 euros cuentan con pocas opciones para que les sean concedidos las vías de financiación habilitadas por los bancos. A pesar de esta gran traba para conseguir alguna punta de liquidez no tienen que desistir, ya que algunos pequeños créditos pueden formalizarlos con estos sueldos.

Se trata de los préstamos más pequeños en cuanto a su importe mínimo, y que deben ser acompañados por plazos de amortización mucho más amplios para que las cuotas mensuales puedan realizarse durante la vida de este producto bancario. De esta forma, se reducen en gran cantidad las propuestas que vienen comercializando las entidades de créditos.

Asimismo, deben estar exentos de comisiones y otros gastos administrativos para no incidir en el nivel de endeudamiento de sus titulares. Y a ser posible con los tipos de interés más competitivos del mercado bancario, que en cualquier caso pasan por estar situados por debajo de la barrera del 8%, y que puedan asumir con los salarios que tienen estos trabajadores.

Por otra parte, no deben contemplar gastos adicionales que dificulten su devolución, y en donde la última palabra siempre la tendrá la entidad encargada de conceder el importe requerido por los clientes. Pueden ser créditos personales, para el consumo, para la compra de algún bien materia, incluso para sufragar alguna necesidad que se les presenten en un determinado momento.

Solamente aplicando estas estrategias conseguirán que les sean concedidos, aunque pueden que les exijan un aval para conformar la operación con todo tipo de garantías, que puede proceder de amigos, familiares o compañeros de trabajo. Y en no más de 3 o 4 días dispondrán de sus aportaciones en su cuenta corriente.

Bien es cierto que la oferta se reduce sensiblemente, pero tendrán recursos para obtenerlos con estas características tan especiales de los usuarios bancarios. Solamente estarán diferenciados por las señas de identidad de cada uno de ellos, que se presentan con formatos diferentes, aluno de ellos innovadores.

 

créditos

 
Seguramente los usuarios hayan hablado alguna vez de lo que son los préstamos blandos, pero no los sepan identificar exactamente. Pues bien, esta clase de financiación, todavía no muy extendida por los bancos, es la que obtiene bajo unos tipos de interés muy favorables para los intereses de los clientes.

Porque, en efecto, aplican un interés muy por debajo de los comercializados habitualmente, y en cualquier caso por debajo del 7%, que es la media por la que se rigen estos productos. Incluso menos en los de carácter social, y con unas condiciones de contratación mucho más ventajosas para sus demandantes.

Esto es así, porque no suelen incluir comisiones de ninguna clase, ni otros gastos en su gestión para que el resultado final sea mucho más satisfactorio para todos. Es más, cuentan con unos plazos para su amortización más flexibles, y hasta llegan a presentar períodos de carencia para que su devolución sea más factible. Muchas más ventajas, en definitiva, que a través de las tradicionales vías de financiación.

¿Pero en que segmentos se pueden encontrar esta clase de créditos tan favorables? No hay una norma fija, por supuesto, pero son los destinados a estudiantes universitarios, personas en exclusión sociales o los denominados créditos sociales en donde están más extendidos en estos momentos.

También los microcréditos están ubicados en esta categoría tan especial, con tipos de interés, extremadamente bajos y muy competitivos, y que están destinados a las personas sin recursos económicos, para que puedan desarrollar algún proyecto emprendedor, siempre que los puedan demostrar, y bajo el control de la propia entidad.

Los créditos para estudios, en sus diferentes modalidades, también pueden englobarse en esta categoría (estudios en el extranjero, masters, post grado, incluso para los erasmus). Contemplan unas condiciones en su formalización más benévolas, tanto en los intereses que aplican como en otros gastos derivados de su contratación.

En los que se asemejan todos ellos es que las cantidades adelantadas no son muy amplias, siendo muy raro que excedan de 25.000 euros, y con mayores facilidades en su formalización, siempre que se cumplan los requisitos.

préstamos

 
El Banco Popular ha sacado al mercado el nuevo préstamo auto. Está destinado a aquellas personas que deseen adquirir un coche en los próximos días, disponiendo de una financiación ventajosa a un tipo de interés nominal del 8% y que cuenta con un importe máximo de 60.000 euros, para que de esta forma puedan elegir el modelo que prefieran.

Se trata de una vía de financiación que trata de revitalizar este segmento de negocio, ahora que el consumo se está empezando a revitalizar, y se comienza a incrementar la demanda en los créditos para el consumo, y especialmente los destinados para la compra de vehículos.

Este nuevo producto bancario se puede suscribir desde unas cuotas mínimas a partir de 170 euros al mes, en función de las condiciones del contrato firmado. No en vano, incluye un plazo de amortización máximo que alcanza los 8 años, y que está en consonancia con los desarrollados por otros créditos de similares características.

No obstante, lo peor en su suscripción son las comisiones que hay que pagar, algunas de ellas claramente expansivas. De esta manera, se incluyen una de apertura, que es del 1,75% (con un mínimo de 120,20 euros), y otra por gastos por estudios que equivale a 90,10 euros, y que en cualquier caso hacen encarecer excesivamente a este producto para la financiación.

Este modelo que aporta el sistema bancario no puede formalizarse a través de internet, y no habrá más solución que solicitarlo a través de las muchas sucursales bancarias con la que cuenta este grupo bancario a través de la geografía española, y que puede firmarse rápidamente una vez se haya aprobado la operación.

Son precisamente los créditos para la compra de un vehículo son que se están comercializando con mayor decisión a través de una oferta muy amplia y que presenta innumerables variantes para su contratación. Y que se inscriben con las aplicación de unos intereses que se mueven entre el 7% y 10%, tal y como lo oferta este que está presentado por el Banco Popular desde hace pocos meses.

 

préstamos

 
Son muchos y de diversa naturaleza los préstamos que vienen comercializando los bancos para atender las necesidades educativas de sus clientes más jóvenes. Y entre ellos destaca el denominado préstamo estrella matrícula que ha lanzado al mercado La Caixa para conseguir estos objetivos por parte de sus clientes.

Se trata de una vía de financiación que es válida para cualquier tipo de curso. Tanto para la matrícula como para los gastos derivados con los estudios que quiera realizar el estudiante. Puede ser una carrera universitaria, un curso, un máster u otros diferentes. Y que se pueden afrontar a través de cuotas mensuales.

Este producto bancario permite a sus demandantes financiar su matrícula o curso, con un único pago inicial. El importe cubre la matrícula y pequeños gastos relacionados, sea cual fuese su cantidad. Ofreciendo hasta 11 meses para pagar el préstamo. El importe se mantiene fijo, aunque los tipos de interés del mercado varíen. Y en cualquier caso se comercializa sin comisión de estudio para favorecer los intereses de los universitarios.

Esta oferta, por otra parte, está desarrollada específicamente para el colectivo de estudiantes, en sus diferentes actividades académicas, y su concesión está sujeta a perfiles de riesgo y estudio según los criterios de la entidad emisora de esta fuente para la financiación.

Si bien no tiene un límite en el importe demandado, ocurre algo similar con el período de carencia, que en este caso no se aplica para facilitar el pago de la aportación bancaria. Y que en cualquier caso, puede comercializarse desde cualquiera de sus sucursales bancarias, y también en formato online a través de su “línea abierta”.

Este crédito se una a otros con similar finalidad que están distribuidos por este grupo bancario, y que tienen a los jóvenes universitarios como principales destinatarios de todas sus propuestas en créditos para el estudio, aunque con diversas condiciones en su contratación, tanto en su importe máximo como en los plazos de amortización, que se desarrollan bajo diferentes ópticas comerciales ante estos clientes tan singulares.

tarjetas

 
Las denominadas tarjetas affinity son uno de los productos que mayor provecho pueden sacar los usuarios bancarios. Su estrategia se basa en premiar las compras realizadas por los consumidores. A medida que gastan más con sus “plásticos” las ventajas crecerán proporcionalmente.

La oferta existente en esta clase de tarjetas es muy extensa y está representada por casi todos los sectores: aerolíneas, turístico, comercial, distribución, etc. Cada uno de ellos lanza sus propios modelos en los que tratan de captar a los clientes bancarios para que se decanten por sus diseños más innovadores.

Las ventajas generadas afectan a ambas partes. Por un lado, a las empresas vinculadas, que a través de estos “plásticos” fidelizan a un mayor número de clientes. Incluso a través de estrategias muy agresivas: regalos, ofertas, promociones, sorteos, etc.

Pero también repercuten beneficiosamente en los usuarios, ya que éstos podrán ahorrarse mucho dinero todo el año con su utilización. Una de los más significativos es la posibilidad de obtener descuentos directos en sus compras. A medida que más la utilicen se irán incrementando las ventajas, incluso con la posibilidad de obtener vuelos gratuitos para sus viajes.

Son eminentemente tarjetas de fidelización, con toda su implicación. De lo que se trate es que el cliente haga un mayor uso de su tarjeta, y para lo cual imponen una serie de prestaciones para hacer el modelo más atractivo.

Así, los usuarios pueden disponer de varias de ellas en su cartera. Ya que, por otra parte, no tienen ninguna cuota de emisión y mantenimiento, que las hace mucho más asequibles a los clientes bancarios.

Otra novedad que ofrece este producto es que está presente tanto en su modalidad de crédito, como en débito. Para que pueda ser suscrita en función de las necesidades reales de sus demandantes. Y que de cualquier forma, pueden combinarse con otro tipo de tarjetas.

Las affinitty, por otra parte, presentan – en algunas ocasiones – pequeñas líneas de crédito para que sean utilizadas en los establecimientos adheridos a este medio de pago. No en vano, dan su denominación a muchas de las tarjetas comercializadas por los bancos.

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