If you've arrived here, it's because you may be in that situation where you need to make a significant expense but you don't have the money in your account at the moment. Whether it's for a trip, education, a business venture, debt payment, an emergency, etc. Obtaining that money today is possible by taking out a 100% online loan, easy, simple and fast. Below, we'll tell you everything you need to know about how to obtain a bank loan and five tips to be able to access it.
How bank loans work
Simply put, it is a loan of money that is given to a person with the commitment that they will return it, little by little, by paying installments with an additional interest that compensates the person who lends that money. Now, if you read this and said: Exactly, that's what I'm looking for! Continue reading, we will give you some tips to access a loan in the best way and we will tell you why doing it online is the best.
Tips for accessing bank credit
The first thing you need to do is find out what your credit score is. If you don't know what it is, we have a full blog post where you can learn everything you need to know about this topic, .
Tips before applying for a loan
Make sure you have job stability. This means having been with a company line database for at least 1 consecutive year. The more years, the better.
Reduce your existing debts as much as possible. This has a direct influence on your borrowing capacity.
Identify your payment capacity. Make your own income vs. expenses assessment to know how much you could really pay monthly as a credit installment.
Avoid applying for multiple loans at once. This information will be reflected when evaluating whether or not you are eligible for credit.
Before, to apply for a loan, the lines at the agency were endless, the procedures and paperwork were much more complicated, however, today you can do it 100% online. Applying for a Multicredit at Banco Guayaquil allows you to do it from the comfort of your home or from any place where you have access to the Internet, which saves you time and effort.
You only need to have your ID number on hand so you can enter it and check if you don't have a previously approved loan or, if not, make an appointment to apply for it. From there, you just have to define how many months you want to pay your loan, with 60 months being the limit, and what day of the month best suits the date of payment of your monthly installment.
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