Banks apply high interest to private loans

Although traditional credit institutions use this mechanism in all services, an investigation has been carried out that reveals the operation in private loans especially dedicated to the study grant.

Banks will analyze credit products

Banks will analyze credit products

This statement has arisen from an investigation carried out by the Department of Studies and Publications of Adicae that set out to analyze the credit products offered by traditional banks in order to be able to recommend other services to the consumer while defending their interests..

One of the most outstanding results of this research is that those banks apply up to 26% interest on loans that are intended for students. Considering that in most traditional banking services this rate is exceeded, the research entity differentiates it as an abusive figure with respect to the fair interests for the consumer. In this sense, it is also compared with financial institutions that offer similar services of all kinds and that even impose less exclusive conditions for their potential clients.

Banks offer Private credits

Banks offer Private credits

Banks apply high interest rates to private loans, which are not very useful and recommended for clients who need money quickly. So much so that in most cases, clients and students end up returning three times more than what they have asked for in the application and this is unjustified. Especially when there are alternative financial entities offering similar private credit services with simple requirements for their easy obtaining.

Since the crisis is installed, this is the current path for traditional banks, but year after year there has been a notable increase in interest and it does not stop. On the other hand, an official claim has been applied to traditional banks so that they can reverse this high interest that is damaging to the economy and, clearly, to customers in Spain, but even so, entities of this type do not admit that the aliquots are unfair or make a move to change them.

Best Cam Site

How to Find the Best Cam Sites

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What you really want to be looking for in a site?

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What you really want to be looking for in a site is something that is the best for you and your needs. A site that will meet all of your requirements can be found, but it won’t happen overnight. It takes some time to get a feel for the cam sites and find one that is worth your time and effort.

The first thing you need to do is to make sure that the site meets your needs. Your time is valuable, so you want to be certain that you are satisfied with what you are getting from the site. Read through the information about the site before you sign up.

Look at the amount of time it takes to load pages on the site. It is good to see how long it takes for the page to load so that you know how much time you are spending on the site. You don’t want to be doing any things that are going to take up too much of your time.


Look at how many different types of memberships the site offers?

Look at how many different types of memberships the site offers?

Also look at how many different types of memberships the site offers. Do they have the different styles of adult websites? If so, what types of memberships will best meet your needs?

To find the best cam sites, it is best to use different search engines to help you find the best one. They will often give you tons of results that you can sort by many criteria.

Other tools that you may want to use our forums and chat rooms that are related to the cam site you are looking for. By browsing through these sites, you can quickly find more information about the site.

You can also use the websites that specialize in adult websites. There are many of these on the internet, so it is easy to find many different sites that are related to the ones you are looking for. You can easily become a member of them and get some tips and recommendations that can help you narrow down your search.

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What type of services that the cam sites provide?

what type of services that the cam sites provide?

The type of services that the cam sites provide is also very important. Things like cam chat, chat rooms, erotic adult movies, adult dating sites, and others are important if you want to have a fulfilling sexual experience.

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Many sites will have reviews that people have written that can be found online. They can help you find the best sites that are available today, so that you can get the best sexual experience that you can have.

Invest in private loans

Did you know that investing in private loans is possibly the safest and most profitable investment without comparison to other financial products?

Invest in loans between individuals

Invest in loans between individuals

The credit closure and the crisis has caused a large number of Spaniards to be unable to access traditional banking to request a loan. And also many of these people, even though they have paid real estate and no mortgage, have the financing vetoed if they do not meet the strict requirements required by the aforementioned traditional banking. It is there that individuals who today have liquidity, can help other individuals in exchange for a return always in a safe, legal and above all profitable way.

What is investing in private loans?

What is investing in private loans?

Investing in private loans is offering money loans to people in need of liquidity in exchange for a return and always with the guarantee of a property free of charges or mortgage, so that the invested capital and interests are fully protected and armored.

Investment security

Investment security

No more than 30% of the value of the property is loaned as a guarantee and as long as it is free of charges and mortgage, entering as first-rate creditors. For this, the real estate and legal study of the property under guarantee is carried out. In addition to this, an official appraisal is carried out by an independent appraisal company authorized by the state. All the loans are signed before a Notary and officially registered in the competent bodies such as the Property Registry, etc…

Location and type of guarantees

The properties that are guaranteed come from any point of the national territory including islands, discarding all those populations with less than 25,000 inhabitants and that are not provincial capitals or semi-capitals, according to each particular case.

The types of properties must be flats, houses, or premises in the first instance. Rarely and in very exceptional cases are lots allowed.

We have to understand that in general guarantees are accepted that are “easily salable” and with all the security features that we discussed in the first point.

Profitability of private loans

Profitability of private loans

It works at a profitability of between 10% and 12% per year for four simple reasons:

  • It is more than enough interest given the current financial investment landscape.
  • The mission is to finance individuals and create a financing social work.
  • Investment security is the most important thing and the conditions of the mortgage law that limits the interest rate to three times the real value of money must be followed to the letter. The fact of working in this way together with the provision of an amount 4 times less than the property as collateral make these investments the safest on the market.

Duration of loans between individuals

From 1 year to 10 years, being more common than 5 years, although the vast majority of them are canceled before the first 3. It is important to mention that the money invested will always rent at 10% or 12% throughout the period and that in addition, in a 5-year loan, after three and a half years the invested capital has already been recovered. And in the 10-year-old, the fifth year. That implies that while the loan lasts, the money that we do not have and that is still in the borrower’s hands, will rent us at 10-12% annual interest. In addition, in many cases, the borrower cancels said loan beforehand due to a change of situation (exit from the Financial Credit Institution, being able to obtain financing from traditional banks, a higher payroll, a sale, an inheritance, etc…)

Minimum capital to invest

The smallest loan is approximately $ 10,000 with expenses included. These are paid by the individual who receives the loan, not by the investor, which is a clean operation for it. Loans are made from this amount to hundreds of thousands of USD, all depending on the investor profile.

Investment expenses

Investment expenses

$ 0, the expenses are paid by the individual, not the investor as we have said in the previous point.

Investment for you

Investment for you

Investors with little capital (even for a single operation) are treated with the same affection as large investors with high liquidity capable of dealing with the most bulky operations.

Therefore, personalized investments are created and the capital to be invested in various operations is diversified depending on the amount thereof. With this, diversification is achieved in the amount of the loan and the location and type of the property under guarantee.

If you want information on private loan proposals call us. We will be happy to explain in detail how many questions and queries you have in this regard. We are financial and real estate experts with several years of experience in the private sector.

Request more information here and receive our loan proposals free by email