Get informed before asking for a loan
Posted: Wed Jan 08, 2025 3:45 am
Financial institutions, by order of the SBS, are required to have a simulator or calculator on their web portals.
Lack of information is no longer an excuse to justify having taken out a loan that ended up becoming a headache. There are several tools to estimate the amount of the installments and the cost of a loan.
On the Superintendency of Banking's user portal , you will find advice on how to use a credit card , what to consider when applying for a loan, and how to prepare a family budget.
On this virtual site you will exit number screening also find the interest rates that financial institutions apply to loans and savings.
CALCULATE The websites of banks and municipal savings banks offer simulators that allow you to get an idea of how much you will have to pay if you apply for a loan.
The director of the Finance Department of the UPC Graduate School , Manuel Chu, indicates that the client's risk profile must be added to these reference data .
"If the result of this evaluation is good (rated with a green light), you have an instrument in hand to request a discount on the rates ," he assures.
Microfinance specialist from the Peruvian Federation of Municipal Savings Banks , William Ferrer, recalls that physical branches of financial institutions also provide information on how eligible someone is to receive a loan.
An interesting website is that of Banco de Crédito , where you will find a test to define your financial profile . It also offers advice on how to better manage personal finances, develop responsible spending habits and make proper use of money.
Lack of information is no longer an excuse to justify having taken out a loan that ended up becoming a headache. There are several tools to estimate the amount of the installments and the cost of a loan.
On the Superintendency of Banking's user portal , you will find advice on how to use a credit card , what to consider when applying for a loan, and how to prepare a family budget.
On this virtual site you will exit number screening also find the interest rates that financial institutions apply to loans and savings.
CALCULATE The websites of banks and municipal savings banks offer simulators that allow you to get an idea of how much you will have to pay if you apply for a loan.
The director of the Finance Department of the UPC Graduate School , Manuel Chu, indicates that the client's risk profile must be added to these reference data .
"If the result of this evaluation is good (rated with a green light), you have an instrument in hand to request a discount on the rates ," he assures.
Microfinance specialist from the Peruvian Federation of Municipal Savings Banks , William Ferrer, recalls that physical branches of financial institutions also provide information on how eligible someone is to receive a loan.
An interesting website is that of Banco de Crédito , where you will find a test to define your financial profile . It also offers advice on how to better manage personal finances, develop responsible spending habits and make proper use of money.