2023-12-06 05:46:18
Christmas It is synonymous with spending and with the high rise in prices, many Spaniards’ pockets are going to find themselves having problems making their purchases. The comparator Kelisto It gives information about what is the best strategy when managing expenses.
First of all, they affirm that by its nature Christmas expenses can be planned in advance during the year, thus avoiding excessive disbursement at the end of the year. Consumption linked to Christmas It is not, normally, an urgent need, nor an excessively large one, so if adequate income and savings are managed should be faced without difficultythey assure from the comparator.
However, in a situation of need, The best option for Kelisto is a personal loan rather than using a credit card or deferring payments, and total spending can be reduced by up to 26%. In this sense, it must be taken into account that the loans are not immediate and therefore it is necessary to plan them in advance both to be clear about the quantity to request how to power compare offers from different banks and request the chosen one in time.
Key points
To identify which is the best offer, the Spanish comparator indicates that you have to look at the percentages of the TIN and the commissions of the operations and thus calculate the APR of the operation. According to the data available to the company, most banking entities offer a TIN of 0%, so the rest of the related expenses must be carefully reviewed. In this same sense, it is also convenient to take into account the maximum loan amount as well as the return period, since both are usually reduced both in numbers and in times. Finally, it is also advisable to take into account whether the loans involve some type of extra linking with the issuing entity.
Among the entities, the one that offers loans for larger amounts is Kutxabank with a maximum of 60,000 euros, which is followed by BBVA with a limit of 39,000 euros, others such as CaixaBank or Banco Santander limit them to 9,000 euros. In these last two entities, the type of loan offered would be Payroll advanceconsidering the three names as maximum. BBVA offers a payroll advance loan with a 6.5% TIN without commissions. In the case of Banco Santander the TIN is 0% but it has a series of commissions which vary depending on the length of the payment, from 1.5% at 3 months to 4% at 12 months.
However, it is very difficult to obtain specific data to compare the different loan offers for specific campaigns such as Christmas. This is because Banks adapt these to the specific type of consumption and especially to the profile of each client.according to which they can demand certain requirements and offer different conditions.
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