In several Latin American countries, including the Perumoney loans that are granted quickly, without procedures or guarantees —apparently attractive— have become a common practice, although with a peculiarity: interests very tall. This mode is known as the drop by drop loans.
Most of the victims are natural persons, entrepreneurs and microentrepreneurswhich have fallen into the hands of these mafias that offer loans informally and with usurious daily interest.
According to him Ministry of the Interior (Mininter), the crime of extortion generates profits of US$530 million annually for these criminal groups. Furthermore, it is estimated that at least Some 250,000 formal companies, mainly mypes, suffer from extortion and they pay an average of S/200 per month per quota.
Main victims of drop-by-drop loans are entrepreneurs. Photo: diffusion
In this context, if you are considering obtaining a loan without risking your physical integrity and that of your family, Rebajatuscuentas.com provides five important recommendations that you should take into account when requesting a loan. loan.
Warranty
The first thing you should do is take some time to research each of the entities that offer different types of loans. If you decide on one of them, make sure that it is registered with the Superintendency of Banking and Insurance (SBS), which will provide greater security that it is a trustworthy company.
Transparency
If you opt for a loan With a mortgage guarantee, it is important to determine the value of the property that will be given as guarantee. This can be done through an appraisal process on the use and type of property, area, proximity to avenues, among others.
affordable fees
Be careful with entities that request high monthly amounts. Currently, many people are paying more than they should for their loanseither due to financial ignorance or lack of time to carry out a good evaluation.
Competitive interest rates
Compare and evaluate which financial institution offers you a better interest rate for this type of credits. Also, take a look at how long you can repay the loan and if it matches the rate offered.
Flexibility
Many times the Bank entities They request too many requirements to qualify for a loan, and if, for some reason, a payment is late and it is misreported in a credit center, it immediately disqualifies you.
Source: Larepublica
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