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The mechanisms of personal loans
Whether a person is buying consumer goods (auto, furniture, home appliances, etc.) or a service (college, marriage, travel, home improvement or maintenance), or they need some cash to cover small emergencies, a personal loan provides individuals with the funds they need when they need it most. The amount, the interest rate, and the terms of repayment (duration, amount of monthly payments) are defined in the contract.
What is the required personal loan information?
Since the present laws are aimed at improving the protection of borrowers, financial institutions are required to include various elements in their offer. None of these elements can be reviewed during the existence of the contract. Consumer contracts, including personal loans, are covered by certain laws that are aimed at strengthening consumer information and clarifying credit offers and credit advertisements.
Besides the information in its body, each contract must include a box containing the main characteristics of the credit:
- The type of credit
- The total amount borrowed
- The duration of the loan contract
- Conditions for remittance of funds
- The amount, number, and periodicity of repayment terms to be paid by the borrower
- The nominal rate
- The annual percentage rates
- The total cost of the loan, including all costs related to the performance of the contract
- The guarantees and insurance required, if applicable
- Notary fees
Getting a personal loan
According to federal law, the amount must be less than or equal to a certain amount (which usually varies from lender to lender). The repayment period must also fall within certain parameters. The lender must be an institution with the proper credentials and whose reliability is impeccable.
This is also a fixed-rate loan, which is based on the amount borrowed, the duration of the loan, and the repayment schedule. A personal loan is repayable using a fixed schedule and on a fixed payment basis. Each of these monthly payments includes a share of the loaned capital, plus interest.
Personal loans may be affected or not affected, meaning, although personal loans are amortizable and have a fixed-rate, it is differentiated by their use and not to a project.
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