Credit is a financial product that allows you to finance a good service at a specific time. The amount of money obtained through this credit must be reimbursed within a specified period of time, agreeing on the payment of expenses and derived commissions. It is clear that not everyone can simply enter a banking institution, make a request and receive credit immediately.
Before this occurs, the banking institution carries out a pre-evaluation study and analyzes your current and past credit history, which will indicate the degree of banking responsibility that has occurred with this or other institutions.
Applying for personal credit is not complicated. To opt for Santander Personal Credit, it is necessary to comply with a series of requirements to process your request, at any Financial Institution it is therefore, however, the requirements in general are similar everywhere.
What do you need? It is essential that you are mayor of the city and present valid and legible identity documentation. Once these important requirements have been met, we start thinking about the next step.
Having an impeccable credit history is always essential, so if the applicant is on a slow list, it is likely that the chances of obtaining personal credit will decrease considerably. The payment capacity is also studied and, based on this, the value of your loan is calculated; It is important to know that each company has its own calculation criteria.
Something that improves your profile is the ability to demonstrate stability in your job, have steady monthly income and be employed in a solid company, these are characteristics that bring you closer to your goal. Be consistent in the specification of the desired value, as the bank will study the projects and will always support what most convinces you. It is always good to have a project in mind, a destiny or a plan for your future Santander Personal Credit.
The Santander Bank Awards are designed according to one objective. Therefore, its terms and conditions are adapted to very specific circumstances. This is the case of: home renovations, the purchase of a car, some emergency expenses, among others. Contract offers are personalized with a specific objective.
If you are a student and need financing to complete your academic training, you can count on Banco Santander, which offers the most complete financing offer. For established companies and companies, there are plans tailored to their needs.
Consult the following to find out how to obtain credits: