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Los datos más importantes sobre el préstamo a plazo
El préstamo a plazo es una opción para el seguimiento de la financiación
Préstamo clásico de renta vitalicia con una característica especial: la cobertura del tipo de interés es posible desde 6 meses hasta 5 años antes del vencimiento de los intereses
Ventaja: Ahorro de intereses cuando suben los tipos de interés
Desventaja: Recargos elevados (del 0,01 al 0,02 por ciento al mes) y costes cuando los tipos de interés bajan
14 días de plazo de anulación, tras los cuales se debe pagar una penalización por reembolso anticipado
Derecho especial de rescisión después de 10 años de conformidad con el artículo 489 del Código Civil.
Calculadora de préstamos a plazo
Explicación del préstamo a plazo
Una tarjeta de crédito es un instrumento de pago que le permite pagar una compra con crédito en lugar de utilizar su cuenta bancaria. Esto significa que no se carga dinero en su cuenta, pero la línea de crédito que se le concede se reduce en el precio de la compra.
Cómo funciona una tarjeta de crédito
Sólo pagas una compra realizada con crédito cuando recibes un extracto de la tarjeta de crédito en tu banco online, por correo electrónico o en tu buzón.
Si no devuelve la totalidad del crédito dispuesto en la fecha de vencimiento de la factura, tendrá que pagar los intereses del crédito.
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Diferencia: tarjeta de crédito y tarjeta de débito
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