The upward trend of bank loans in 2018 is confirmed. All the indicators maintain the generalized optimism There will be greater demand from users due to a greater acceptance of operations and more advantageous conditions for the repayment of loans. If we analyze the latest survey on bank loans in Spain, the results show us that during the third quarter of 2,017 the consumer loan approval criteria relaxed, facilitating the granting of the same. The negative interest rate of the deposit facility of the European Central Bank led to a reduction in net interest income during the last six months. The…

There are many opportunities for purchase or investment that are presented to us, and sometimes we need extra help to access them. For this reason, banks offer different types of loans , which help us meet our needs. However, situations can occur that make us fall into unpaid loans, when to stop paying seems the only alternative to solve a critical financial situation. However, this decision that can generate complicated consequences. Assuming a loan When a loan is contracted, the duties to be assumed must be clear. A loan is an agreement between a lender and the consumer, so by…

Surely many times you have considered how you can agglutinate all the loans in a single debt. Find out how to do it through the loan reunification simulator and forget about spending more. Reunification of loans with a new loan without endorsement It is one of the options most raised by users who intend to group all their debts. This option facilitates the payment of your multiple debts, although it generates an important cost and is only recommended in very specific cases. The reunification of debts consists of grouping all the loans, credits and mortgages in a single loan, whose…

Current legislation establishes that an inheritance is a right, but it is not an obligation. Therefore, inheriting debts is a choice. Different scenarios can be given in which the beneficiary of a legacy decides whether or not to accept the inheritance, since in no case is he obliged to do so . On many occasions, the debt left pending by the person who dies is paid off thanks to the insurance that he hired at the time. However, there are assumptions that companies do not cover or there are simply cases in which the borrower did not subscribe to the…

In recent years, technological advances have strongly impacted the lives of people around the world, modifying the way we relate. Currently, the internet reaches a large part of the population and more and more services are offered through the network. One of the fronts in which it has penetrated with greater force is in the financial activity. Here arises the concept of “Gandalf” that originates from the words Financial and Technology (financial technology), and refers to platforms that offer different credit services, with a strong focus on online loans. Examples of this are crowdfunding, crowdlending and online payments platforms. But…

An economy like the present one depends fundamentally on consumption . The Central Banks have liquidity thanks to low interest, which gives us the opportunity to contract several types of loans based on our needs and with very few guarantees required. After the period of forced austerity that began in 2008-2009 until 2014, economic activity is reactivating and now it is easy to access different banking products, including online loans . PERSONAL LOAN The personal loan is usually linked to some type of important transaction , such as the acquisition of a place, farm, vehicle or the transfer of a…

What are the home loans and online deposit accounts available at Gandalf ? We will find out today together with the reviews, comments, opinions and experiences of customers who have chosen the Reggio bank. Small businesses like this very often turn out to be much more serious and reliable than the large institutions we hear about every day, a center of polemics and protests of savers. Gandalf is listed on the Italian stock exchange and is a banking group with companies specializing in various business sectors. Founded in 1910 as a Commercial Agricultural Bank of Reggio Emilia on the initiative…

Whether to start a business, face its growth or develop a specific investment, financing is undoubtedly one of the most important aspects, and that is why crowdlending is born. In recent years, due to the scarcity of credit, the market has devised new concepts to obtain financing in an alternative way to banks , something that has favored mainly SMEs, self-employed workers and new entrepreneurs . That is why we can now find new financing models, which have been created in order to help a project take flight. This is how crowdfunding was born and, later, crowdlending , which we…

In the financial crisis scenario that is recurrent in several countries of the world today, it is quite common for families and individuals to have recourse to personal credit services to pay for divisions that were left open due to questions of financial problems or to acquire some good. In cases of problems with money it is natural that people are in a hurry to get the necessary value to resolve the situation in which they find themselves, so that fast loans have become a good option and have gained prominence in the financial sector. Gandalf a reference in this…