To contract a loan we must analyze only the AER.
The client should not borrow more than 30% of their incomes.
Buying with the credit card is the same as buying with the debit card.
In case of not paying the debt there are no consequences.
To contract a loan you must consider the time period, the interests rates and the fees.
The interest rate that we must know in order to contract financial product is the APR.
Banks have the obligation to renegotiate loans always.
To request a personal loan always we need a guarantor.
The law doesn’t require contracting an insurance with a loan.
