BBVA Personal Banking Premium Loan

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BBVA Personal Banking Premium Loan

Find the solution to your needs with preferential conditions. With the Premium Loan you can have an amount of up to € 75,000, which allows you to maintain your investments and plan your savings.

  • Interest rate from 6.95% TIN (APR from 7.39% to 13.47%).

  • Up to € 75,000 and up to 10 years.

  • Possibility of making early repayments.

Requirements:

  • Have a BBVA account associated with the loan , whose holders must match those of the loan.
  • If you do not have any account opened in BBVA, you can open one. Ask us about the accounts we have available and their conditions.
  • Your BBVA Manager will inform you about the documentation that you must present. BBVA must authorize the granting of the loan. The processing is very fast and we will pay you the money requested in your associated account.

Type of interest:

  • Fixed interest rate throughout the life of the loan. 6.95% TIN (APR from 7.39% to 13.47%).
  • Payment of the monthly fee on the last day of each month. It can be monthly, quarterly or half-yearly.

Amount:

  • A minimum of € 3,000 and a maximum of € 75,000.

Term:

  • The minimum term to repay the loan is 12 months and the maximum term of 10 years.

Commissions:

  • No study commission.
  • Opening commission: 0.90% on the contracted amount (minimum 90 €)
  • Commissions for partial or total cancellation:
    • 0.50% if there are less than 12 months to pay the loan.
    • 1.00% if more than 12 months remain.

How long can it be hired?

Offer valid until 03/31/2018.

  TIN 6.95% (TAE 7.58%)
Loan amount € 10,000
Term 5 years
Opening commission 2.30% € 90
Total € 11,956.57
Monthly fee € 197.78
  • 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. Failure to make the payments could lead to serious consequences (for example, forced sale) and make it difficult to obtain a loan.
  • 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.
  • You have the right to withdraw from the loan contract during the term of 14 calendar days following the conclusion of the contract, at no additional cost.

 

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.

 

What role CIRBE plays in applying for a loan

What role CIRBE plays in applying for a loan

The CIRBE provides information to the bank about the outstanding debts of the loan applicant

The financing you need, quickly and easily, with BBVA loans Calculate your loan

We have finally found the house of our dreams and now it’s time to seek funding . But how do we know that the bank is going to grant us the mortgage? The entities that offer loans and credits value a series of aspects that help them decide if it is safe to lend us money and what amount is the maximum to which we can opt. In this decision come into play the income, guarantees and, very importantly, the debts that we have acquired. The latter is what CIRBE collects.

Solicitud CIRBE Banco de España - BBVA

The Risk Information Center of the Bank of Spain (hence the acronym CIRBE), is a record that contains the vast majority of loans, credits and guarantees that the country’s banks maintain with their clients. In other words, it is a database that collects all outstanding debts that a client or guarantor keeps, provided that they are for a value greater than € 9,000. It is, therefore, a very important tool when it comes to helping the bank decide whether to grant a loan or not, based on our solvency.

It is important to point out that the CIRBE is not a list of defaulters , since it not only collects the debtors who have fallen behind in the payment of their installments, but all the holders and guarantors of loans, credits, mortgages and other risks that the banks maintain with your customers. However, in this database it is recorded if there is any significant data of delinquency.

Traveling, making a reform or expanding your studies is easier with BBVA’s online loans: more information

How does CIRBE work?

This database is updated on a monthly basis. It is the banking entities themselves that are obliged to provide all the necessary information so that the registry is a source of secure information, of a public nature, but of private consultation.

This means that anyone has the right to consult for free and through a request, the information that the Bank of Spain has of their personal debts. In the same way, at the moment we request a loan from our bank, it has the right to consult the data related to our debts within the CIRBE, without having to have the explicit consent of the client, but always informing him that it is going to make this query.

However, there are limitations to the data that the bank obtains from a client. The CIRBE only gives global information, according to the Bank of Spain, of the risks of a person or company. This means that the bank will not handle a detailed list of each and every one of our debts, but of the global position of these.

In fact, it is one of the first actions that a bank carries out when we request the concession of, for example, a mortgage. Because beyond the stability of our employment, our ability to pay and the guarantees that we present, the risk we carry as customers is largely determined by the debts we have already incurred. Hence the importance that CIRBE has for the granting of any loan, since it can play both for us and against it.

 

How ICO loans work

How ICO loans work

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Financing for self-employed and companies with a competitive interest and a term of up to 20 years

The financing you need, quickly and easily, with BBVA loans Calculate your loan

The functioning of ICO loans does not differ too much from the ‘traditional’ loans granted by banks. However, unlike these, this form of financing involves three parts: the Official Credit Institute, the credit institution and the applicant, which can be an SME, self-employed or even a public body.

On the one hand, it is the ICO that lends the money and sets the conditions to access it; meanwhile, the credit institution analyzes the viability of the loan, manages the borrowed money and assumes the risk in case of default of the client. Thus, as in any other loan, it is the recipient of the money that has to return it within the stipulated time frame, together with the associated interest.

Préstamos ICO - BBVA

It is, in short, a mediation system for SMEs and self-employed people to access a series of financing lines, each with its own characteristics. Currently there are five of these lines:

  • ICO Companies and Entrepreneurs : mainly aimed at self-employed workers and companies that need liquidity or want to make productive investments within Spanish territory. This line also includes financing for public bodies and for communities of owners.
  • ICO Guarantees SGR / SAECA : a line aimed at freelancers, companies and public or private entities that have the endorsement of a Reciprocal Guarantee Company or of the State Corporation of Agricultural Insurance.
  • ICO Commercial Credit : designed for freelancers and companies that need access to liquidity through the advance payment of bills that are pending collection.
  • ICO Exporters : focused on self-employed and companies that need access to liquidity through the advance payment of invoices from export activities or to finance the previous production costs of their goods or services destined for the foreign market.
  • ICO International : has two tranches, one for self-employed, companies and public or private entities that need investment or liquidity; another for Spanish or foreign companies that want to finance the purchase / sale of goods or services.

These financing tools are intended to encourage the creation of companies for their development both within Spain and abroad. Thus, some examples of fundable concepts contemplated by the ICO are:

  • The acquisition of cars whose cost does not exceed € 30,000.
  • Facilitate up to 100% liquidity for current expenses.
  • Anticipate the payment of bills due at no more than 180 days.
  • Acquisition of companies.
  • Creation of companies abroad.
  • To cover costs of production and elaboration of goods or services to export.

Traveling, making a reform or expanding your studies is easier with BBVA’s online loans: more information

Financing limits and conditions of ICO loans

The maximum financing that can be chosen and its refund conditions vary depending on the chosen line. As a general rule, the maximum capital granted by the ICO amounts to € 12.5 million and has a maximum repayment period of 20 years. However, most of the loans that are granted do not exceed € 25,000 and are destined for SME and micro-SME projects.

As for the interest associated with the loan, it may have a fixed rate, with a biweekly, or variable rate: comprising a 6-month Euribor plus a spread.

  • In one-year loans will add up to 2.3%.
  • In loans of two to three years a 4% is added.
  • In loans of 4 years and up , 4.3% is added.

ICO loans do not have opening or study fees, but a cancellation fee in case of early repayment.

This amortization can be from 1 to 10 years, 12, 15 or 20 with up to 2 years of grace if investment or investment and liquidity are financed. And from 1 to 4 years with up to 1 deficiency if only liquidity is financed.

How to apply for an ICO loan

To apply for an ICO loan, the interested party must go to one of the offices of the credit entities associated with this financing system, among which is BBVA, and present a proposal that should focus, mainly, on these two keys:

  • Who requests the financing and why do you need it?
  • Payment capacity, asset solvency and additional guarantees, among which is the guarantor. This, like in any other money application, is one of the most important parts in order to get financing.

Do you need more time to pay your loan fast? Delays your expiration date

Do you need more time to pay your loan fast? Delays your expiration date

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Keep in mind that you must pay the extension of your selected online credit before the expiration deadline. Once the extension has been made, we will notify you via SMS to the mobile phone that you have given us.

The amount to be paid in case of extension of the term, will depend on the amount of the loan instantly requested.

If you have suffered an unforeseen event that prevents you from paying your online credit on the agreed date, we give you the possibility to postpone the due date for 7, 14 or 30 days by making a lower payment.

To delay the payment date, you must access your customer area and use the calculator to check the associated costs. Once you have it clear, you can make the payment in two ways:

1 By debit card (except Rural Housing)

All you have to do is call our Customer Service Department on the phone at 91 290 77 88
Remember that the hours of operation are from Monday to Sunday from 8:00 a.m. to 10:00 p.m. , national holidays from 9:00 a.m. to 2:00 p.m.

2 By bank transfer or deposit account

To make a bank transfer it is important that you specify in the beneficiary 4Finance Spain Financial Services, SAU and in the concept write your loan number or your ID / NIE
You can use any of the following bank accounts:

Keep in mind that you must pay the credit extension at the moment selected before the expiration deadline. Once the extension has been made, you will receive a notification via SMS to the mobile phone that you have provided to us.

The amount to be paid in case of extension of the term, will depend on the amount of the chosen online loan.

Customer area

  • How to extend the loan amount?
  • How to pay the loan?
  • How to extend the term of repayment of the loan?
  • Why choose Vivus?
  • Solicit responsibly

Need help? We solve all your doubts! Check the Frequently asked questions Office hours: Monday – Friday / 8:00 – 21:00 Monday – Friday / 8:00 – 21:00 Saturday / 9:00 – 20:00 Sunday / 9:00 AM – 7:00 PM National holidays / 9:00 – 14:00 Check the Frequently asked questions info@vivus.es 91 290 77 88 © 4Finance Spain Financial Services, SAU, a company of Spanish nationality, belonging to 4Finance Group

 

How to apply for a quick loan

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How to apply for a quick loan

Apply for an interest-free online loan with Vivus is easy, simple and 100% secure

Apply for your Quick Credit

Get your credit instantly is very easy, you only need three requirements:

  • Be Spanish or have a residence card
  • Be 21 years old or older
  • Be the holder of a bank account in Spain

Verify your identity

We use the best and safest tools to protect your data:

  • Choose your bank
  • identify yourself

You already have your mini-credit

Manage your credit online in your customer area easily and simply:

  • Expand the term of your quick loan
  • Extend the quantity requested
  • Program the payment automatically

More than 600,000 credits approved in Spain

  • First loan, for the contracted and for the opinions read for free, without interest. Excellent. And the entrance into account on a Saturday, totally unusual, and magnificent. Surely when I need it again I will ask for another or other credits. Thank you very much, they have been of great help to me.
  • For my vivus is the first website of loan with good security, simple and fast. Very generous for not charging more than the bill, well just a little, but for me one of the best
  • In my case I have nothing wrong to say. If not the opposite. It’s fabulous. I had a hard time and I was solved very quickly. I recommend it to everyone. Thank you.
  • Congratulations for the efforts since with respect to me they did it quickly, which must be valued a lot, for the moment to thank them and to continue that way with the same speed with the new clients that join your company. regards
  • The attention to the public is fantastic. something to improve that instead of 30 days could be extended to 60 without interest. For the rest, thank you very much for trusting us your customers. Receive a cordial greeting from.
  • I do not conceive how they could improve. I have requested a micro loan with you. And everything has been very agile. The only doubt I have is how I have to return it. And, of course, I would recommend you.
  • Simply efficient and pragmatic, it is how life should be, use the current means to convert an economic activity into a service of the most advanced, hopefully everything could become facts and leave behind the paperwork bureaucracy … congratulations
  • The truth is that it is very easy to fill out the request and the attention given through customer service is excellent. I have had the money very fast and for now I am very happy with the company.

Opinions of our customers on eKomi.es

These are the reasons to request an interest-free loan with Vivus

Security

We use the most advanced data encryption tools to ensure your privacy

Flexibility

Delays the payment of your loan fast, increases the amount requested or pays in advance whenever you want

Transparency

Know from the first moment what is the amount to pay. Our interests are among the lowest in the market

Trust

With the confidence and security of belonging to the leading financial group in Europe: 4finance

Do you want your first loan now?

Get your first € 300 without interest or commissions, and return them in 30 days

Apply for your credit now 4Finance Spain Financial Services, SAU, a company of Spanish nationality, with registered office in Madrid, Genoa 27, 2nd Floor, and Tax Identification Number (NIF) A86521309, constituted in a public deed dated June 19, 2012 granted to the Notary of Vigo Mr. Jose María Rueda Pérez with number 999 of his protocol, is registered in the Mercantile Registry of Madrid, in volume 30.268, folio 46, section 8, page M-544.749, Inscription 1ª.

The first plenary session without tripartite government approves the fourth loan modification of 2017

The first plenary session without tripartite government approves the fourth loan modification of 2017

Ayuntamiento de Alicante en imagen de archivo City Council of Alicante in Europa Press file image

The full City Council of Alicante has decided to take forward the fourth modification of credits amounting to 487,731 euros that will be allocated to the investments of participatory budgets and the budgets of district boards. The only point of this extraordinary session of the municipal plenary session has gone ahead with the votes in favor of PSPV, Compromís, Guanyar -which are no longer government partners- and Citizens; the abstention of the PP and the non-attached mayor, Fernando Sepulcre, and the vote against the also not attached Nerea Belmonte.

The spokesman of the municipal group of Compromís, Natxo Bellido, who until a few days ago was also spokesman of the government team, announced in the turn of words prior to the vote that they would support the point, and considered that “this is not the plenary where to ask for resignations “, in reference to the request to cease the mayor, the socialist Gabriel Echávarri, for the legal cases in which he is immersed, but he has defended the need to” do self-criticism “, because in his opinion” November is very late to address these issues “related to budgets.

For its part, the spokesperson for Citizens, Yaneth Giraldo, along the same lines as Bellido, has considered that the fourth credit modification “45 days after the end of the year” is being made to distribute funds among district boards, and has demanded to the mayor of Finance, Sofía Morales, “that is not shied away in the adjustment plan or in Montoro”, something that has been labeled as a “hackneyed argument”.

For his part, the spokesman for Guanyar, Miguel Angel Pavón, has also advanced in the turn of speech that his group would issue a vote in favor of the modification of credits since “they incorporate part of the money necessary for the actions selected by the citizen representatives of the five districts. “

Pavón, who has referred to the situation of the mayor and asked him to resign “so that the City regains the lost dignity”, pointed out that the previous tripartite government team, of which he was a part, “managed to increase the budget of the district councils “and criticized the head of the Treasury that” the opportunity to include a salary supplement for young people “has been” wasted “within the Avalem Joves Plus program of the Generalitat.

Likewise, Pavón has criticized that, after the departure of his group and that of Compromís as a result of the refusal of Echávarri to resign for the cause related to the splitting of Commercial contracts and the other of the presumably irregular dismissal of a municipal employee sister-in-law of the spokesman of the PP, “in this government in absolute minority that we suffer do not know if they will have time for this supplement and other skills,” he asserted.

However, the leader of Guanyar Alacant has assured that “for the responsibility and respect to the neighbors who have approved these investments” of the participatory budgets and the district boards “will vote in favor”, he pointed out.

Image result for tripartite government

“WELCOME TO THE OPPOSITION”

For his part, the spokesman of the Popular Party, Luis Barcala, said during his speech that Compromis and Guanyar “have been making opposition all this time, but now it is official”, so he said they are “welcome” to the opposition. Thus, regarding the modification of credits, Barcala has indicated that it is “the result of a disastrous management of the budgets of this extripartite” that, in his opinion, led to the approval of the “late” budgets.

Thus, the spokesman of the PP has considered that the point to approve in the plenary of this Thursday is “a toast to the sun”, as he has assured that “the district councils have been recognizing that they were sending” the projects to the Councilors and that in the areas “they were not valued”, he indicated.

For his part, Bellido has responded to the criticism of the opposite bloc and stressed that “it is not full to ask for resignations” but to talk about “what the public is interested in,” and in that sense he said that ” in two minutes of opposition we have made more proposals than you throughout the legislature. “

In addition, he has asserted that in Compromis they make “self-criticism with courage” and in this regard he trusts that the PSOE and Guanyar “do the same”, while he has told Barcala that “it is not an alternative” and urged him to make a motion of censorship or “shut up,” he pointed.

Guanyar’s spokesman has also responded to the leader of the PP saying that they are “defending the general interest of citizens, in government and in opposition,” in this regard has indicated that they do not know “what interests serve other groups”, and in response to Barcala asked him if he “remembers what happened with the investments” when he was part of the previous governments of the PP, because in the opinion of Pavón, at that time “did not run.”

Finally, the non-attached mayors have each voted in a sense. Nerea Belmonte, former Guanyar Alacant, has considered that “it can be said that it is harmful” that the point of the agenda does not prosper, but “it is more damaging that the mayor does not resign”, as he has justified his particular vote. For his part, former Citizen Fernando Sepulcre has said he would support the point but has been “missed by the bench before him,” and has asserted that “this is still a chaos.”

 

Online Pre-Authorized Loan

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Online Pre-Authorized Loan

If you are a BBVA customer, we offer you a personalized loan so that you can get everything you want.

  • Flexible, simple and immediate contracting.

  • Enter the amount, choose the term, installments … and that’s it!

  • Available at bbva.es, BBVA App or ATM network.

Order it now

  • characteristics
  • How to apply for a loan
  • Did you know…

Interest rate and bonuses:

  • The TIN and the TAE of the loan are personalized according to your relationship with the bank and we will show them on the contract screen.
  • Payment of the monthly fee: the last working day of each month, in the account you have chosen in the hiring process. The first installment corresponds to interest from the day of the loan contract until the last working day of the same month (if both do not coincide).
  • You can get a 1% reduction on the initial interest rate of the loan if you meet one of the following requirements:
    • Maintain a monthly payroll of at least € 600 at BBVA, or
    • Monthly pension of at least € 300, or
    • Unemployment benefit.
  • Loan subject to approval by BBVA.

The bonus will be applied to each monthly contribution. Every six months we will check whether or not you meet the requirement to obtain the bonus. However, whether you decide to obtain the bonus or not, we will keep the conditions bonus during the first 3 installments of the loan.

Amount and term:

  • The minimum you can request is € 1,500.
  • The maximum amount and the term are assigned individually to each client and you can check it on the hiring screen.
  • Concession subject to approval by BBVA.

 

commissions

  • No study commission.
  • Opening commission: You can check it on the hiring screen.
  • Commissions of partial or total cancellation: you can cancel all or part of the loan before the end of the term. You can write off as many installments as you wish and the remaining amount you choose between lowering the monthly installment or reducing the term. The commission depends on the moment you do it:
  • 0.50% if at the time of cancellation the term pending payment until the end of the life of the loan does not exceed 12 months.
  • 1% if more than 12 months remain.

You can choose to apply the amount to:

  • Reduce the term of the loan by keeping the amount of the installments.
  • Reduce the amount by maintaining the term.

 

Glossary

  • Annual Equivalent Rate (APR): Indicator of 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.
  • Opening Commission: is the amount that we charge for the steps taken by BBVA to grant the loan and put the loan at your disposal.

We want you to meet your goals easily, so we give you the answers you need:

Applying for a loan is very simple

  • At BBVA, based on data analysis, we are able for some of our clients to offer a pre-agreed loan for an amount and a personalized interest rate.
  • The first step is to access the private area of ​​BBVA with your keys and calculate the loan fee with our simulator with the amount and term you want.
  • And in the event that the requested amount is less than the amount you have pre-granted, you will only have to sign the transaction online with the digital key and you will immediately have the requested amount credited to your account.
  • Without paperwork or additional steps in minutes you will have the money in your BBVA account.
  • 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. Failure to make the payments could lead to serious consequences (for example, forced sale) and make it difficult to obtain a loan.
  • 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.
  • You have the right to withdraw from the loan contract during the term of 14 calendar days following the conclusion of