In a loan, the client (borrower) receives an amount of money

In a loan, the client (borrower) receives an amount of money

That he has previously requested. The amount of this loan must be repaid, together with the accrued interest, within the period of time previously agreed with the financial institution (lender). The 직장인대출 payment is normally made through regular installments (monthly, quarterly, semi-annual…) throughout that term.

In the case of credit, the client does not have to request this money, the bank makes it available to them. The client only pays for the money he has. Normally, the interests are higher than those of the loan.

Loans for companies are one of the most used ways by companies

to obtain financing, either for production, investment in fixed assets, for expansion purposes or for the start-up of different projects. In Spain, until a few years ago it was mainly commercial banks that granted this type of credit. Currently, we can find financing alternatives such as crowdlending or crowdfunding , new models that, after the financial crisis, represent the only way to obtain financing for many small and medium-sized companies. Within business loans we can find:

Short-term loans for companies are aimed,

for example, at companies that need specific financing for production campaigns, at companies with incoming and outgoing monetary flows that do not correspond and have liquidity problems, or at companies that are going to make investments that are amortized in a short period of time.

On the other hand, loans for medium and long-term companies are indicated for companies that have just been created and that need external capital. This money is used for investments in equipment and technical installations or in intangible assets.

Cost for delivery of account statements

Rate paid by the client because they deliver periodic information with a cut-off date, referring to the movements and balances of money in their account in a specific bank and, delivered to the agency or office of the same or at the home address defined by the client

Monthly Maintenance

Fee Fee paid by the customer for using the debit card service.

Cost for bank references

Fee charged by the financial institution for issuing a document that indicates the record of managing a client’s account.

 

Annual Renewal

Fee Annual fee paid for having the service and continuing to use the debit card service.

Cost for withdrawal of Clients of the Entity itself in an ATM of another Entity

Fee paid by the user to the bank where he is a customer, for withdrawing his money from ATMs of an entity where he does not have accounts.

Cost for withdrawal of Clients of the Entity itself in the Entity’s ATM or ATM withdrawals of Clients of the entity itself

Fee paid by the client for withdrawing his money from an ATM owned by the entity where he maintains his account.

Cost for withdrawing Customers from Another Entity at an ATM of the Entity

Fee paid by the customer for making withdrawals at ATMs of other entities where he does not have accounts, both to the financial entity that provides the service and to the financial entity where he maintains your accounts.

Cost for withdrawal in Savings Accounts in the Entity itself

Rate paid by the client for withdrawing his money, from his savings account, in the entity where he maintains his account.

Cost for withdrawal in Savings Accounts in Other Entities

Rate paid by the client for withdrawing his money, from his savings account, in another entity where he does not maintain his account. Cost for withdrawal from ATMs abroad

 

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top