Loan Blue BBVA

Loan Blue BBVA

Loan Blue BBVA

With the Blue License Loan BBVA you can finance the enrollment of your university studies .

  • Fixed interest of 0% TIN (TAE 8.97%)
  • Up to € 6,000 and 9 months term
  • You can choose not to pay any fees during the first 6 months

I want to hire

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Requirements:

  • The holders of the loan must have an account in BBVA to settle the loan installments in it.
  • Applicant age less than 30 years at the time of application.

Purpose:

  • Tuition payment for your university or graduate studies.

Type of interest:

  • Fixed interest rate 0% TIN (TAE 8.97%).
  • You can choose not to pay fees during the first 6 months.
  • It is not necessary to pay payroll or pension to get this interest rate.
  • Concession subject to approval by BBVA.

Amount:

  • A minimum of € 3,000 and a maximum of € 6,000.

Term:

  • From 3 months to 9 months.
  • Period of lack of capital: up to the first 6 months of the loan.

Online loan commissions:

  • Opening commission: 3% on the amount contracted (minimum € 30).
  • Study commission: 0.50%.
  • Commission of partial or total cancellation, that is, if you cancel all or part of the loan before the end of the term: 0.5%.

How long can it be hired?

Offer valid until 07/31/2018.

  TIN 0% (TAE 8.97%)
Loan amount € 3,000
Total term 9 months
FFE Commission rtura 3% (minimum 30 €) € 90
Study commission (0.50%) € 15
Total € 3,105
Monthly fee € 333.33
  • You must use the financing in a responsible way to be able to face the fees and thus avoid possible surcharges in the form of commissions or interests.
  • In case of delays in the monthly payment of the fee, the corresponding interest for late payment will be applied.
  • Before signing the contract, you will receive the standardized European information on consumer credit.
  • Due to criteria of prudence and responsibility in granting loans , the bank may request intervention of the operation before a notary.

Glossary

  • Annual Equivalent Rate (APR): interest rate that indicates the cost or effective yield of a financial product. The APR is calculated according to a standardized mathematical formula that takes into account the nominal interest rate of the operation, the frequency of payments (monthly, quarterly, etc.), bank fees and some operating expenses.
  • Nominal Interest Rate (NIT): is a fixed percentage that is applied to the amount borrowed and that determines the fee to be paid to the financial institution.

 

If you know how, credit cards can be the perfect B plan

 
 
In our current society, it is very common to use credit cards for usual expenses. However, it is essential that we make good use of these plastics, as we can end up unnecessarily overindending if we use them without any supervision. We have to be aware that although we have an immediate credit available to us constantly, we should not use it for everything. In fact, if we keep a monthly control of all the expenses that we do with the cards, they can become an ideal tool to make some purchases and finance others .
 
 

Credit cards full of advantages

When choosing a credit card, the most usual is that we ask our bank always. However, the characteristics and the conditions that they offer may not convince us, but now we can find cards without having to change banks . In this way, we will continue to be clients of our bank and we will have a card from another entity that meets the requirements to be the one that best suits our profile and needs.

Below, we show some of the credit cards without changing banks with the best advantages:

Product Cost Advantage I’m interested
Bankintercard Gold Card 26.82% APR
  • Return of 5% on all purchases postponed during the first year
  • Free insurance including assistance in travel and accidents
Apply for
WiZink Gold Credit Card 27.24% APR
  • Discounts of up to 50% in different establishments
  • Free purchase and accident insurance
Apply for

Both cards are free year after year , that is, the issuing entity will not charge opening or maintenance fees. So we can enjoy the money on credit without having to pay anything for it, as long as we reimburse it by paying in full, that is, at the beginning of the following month.

How to control the expenses of our card?

We have already commented that to avoid over-indebtedness and use the cards without having to pay more, we must be responsible and keep track of the monthly expenses and purchases we make. Below, we present 3 tips that will help us make good use of our plastics:

The first thing we need to know are the costs that the entity will apply to us by using the deferred payment method, that is, by returning the money in monthly installments.

Know how to read the statements of the account, to check them periodically and make sure that everything is correct. For example, to know if the quota of the last month is canceled, so as not to have a bad understanding.

Save all the vouchers and compare them with the account movements, to make sure that all charges are correct.

For these reasons, among others, it is essential that we use the credit card only in unforeseen situations and to make specific purchases , not as a usual means of financing. In the case that we use it constantly, it is important that we take into account the previous recommendations.