Nevertheless, attributable to its glorious options, many shoppers ended up trusting the whole lot they’d supply. It’s estimated that at present it manages deposits price greater than 520 million euros .

It’s fairly curious {that a} easy village field has managed to achieve these excessive figures, though it has a quite simple rationalization: the reality is that the entity is structured like a credit score and financial savings cooperative. In different phrases, it’s completely able to providing sure monetary companies tailored to the wants of all forms of shoppers.

As a substitute of going to the financial institution, we will flip to Caixa Guissona and profit from all the benefits of the loans it provides, since they generate far more curiosity than a conventional financial institution.

We will perceive Caixa Guissona’s philosophy by analyzing its slogan:

“There aren’t any restrictions that stop anybody, residing the place they reside, working the place they work, can begin saving complications.”

Due to their completely different method of doing issues, they’d quickly open extra branches in Lleida, together with Reus and Barcelona in Normal.

The loans granted by Caixa Guissona are principally characterised by minimal pursuits that make them much more engaging.

You may also curiosity your self:

The most effective quick loans

Benefits of selecting Caixa Guissona to request a mortgage / credit score

Number of choices

The very first thing that the person will discover when he decides to ask for a mortgage is a good number of loans in order that he can select the one which most closely fits his claims.

For instance, we will ask for a credit score specifically designed to purchase us a automotive, to reform our dwelling, and so on. (This we are going to analyze higher within the following factors).

No commissions

Sure, it’s not an promoting declare, a lot much less: commissions are actually eradicated. Which means that the shopper doesn’t must be claiming the absurd commissions that banks cost for the whole lot.

Pace

Caixa Guissona loans are processed rapidly; Some customers declare to have formalized the mortgage in only one week. In comparison with banks, which might take months to handle the mortgage, the time financial savings is greater than vital.

The most effective customer support

The customer support may be very shut. There’ll at all times be a accountable who will concentrate on any downside, with the ability to give a direct resolution.

As well as, we’ve a number of methods to get in contact with them at any time, which makes us belief much more within the monetary establishment.

The principle traits

Its major maxims are to obtain financial savings from prospects and supply loans and credit with very low rates of interest; Even these pursuits are reverted to the shoppers themselves, which helps to additional incentivize the extent of satisfaction.

It’s thought-about an revolutionary banking idea, being precisely what the client expects in the meanwhile through which he opts for a financial savings account.

Is it protected to ask for a mortgage?

To know whether it is protected to request a mortgage on this entity, the very first thing we should always do is check out the opinions of consumers who’ve already been capable of request them. The overwhelming majority are happy so, in precept, you should have no issues.

Now, as with all mortgage, this doesn’t imply that we’ve to belief one another. Earlier than signing, will probably be essential that we analyze intimately the credit score circumstances, the related pursuits, in addition to every other information which may be necessary.

Solely settle for if it fits you, don’t get carried away at this level by the opinions of customers.

In any case, the entity has been consolidated out there for greater than 60 years, at all times providing to enhance the credit score circumstances for shoppers. With this we conclude saying sure, we will belief Caixa Guissona with none doubt.

Customer support and on-line banking

Caixa Guissona places at your disposal a sensible customer support to unravel any questions you could have. That is regulated primarily based on Order ECO / 734/2004 of March . The customer support is bodily positioned on the deal with “Calle Traspalau, 8” (Guissona, Lleida).

Caixa Guissona provides customers an internet platform (“Guissona On-line”) from which we will management any account we’ve with the entity, in addition to how one can handle completely different procedures. To entry the net platform (also called GOL), you’ll need a shopper code and a code that the entity will present. As well as, if you wish to perform transactions corresponding to transfers or transfers, you’ll have to use a coordinate card and a variable code.

All these measures are designed to keep away from any try to govern the platform by an exterior attacker.

Sorts of mortgages and loans 

Subsequent we are going to analyze the forms of loans granted by Caixa Guissona to its shoppers:

Mortgage of first home 

If you wish to purchase a home and want financing, you possibly can entry one of many Caixa Guissona mortgages (so long as it’s your first dwelling). The pursuits are very tight for younger individuals, so it may be an excellent alternative.

One of many major traits of one of these product is that it has no fee . The financial savings account is not going to cost you the well-known opening fee (the one related to the mortgage of virtually any entity).

As well as, we even have the modality of “mortgage loans” and “Hello-Fi”

Shopper Credit score Mortgage

The “Consumption Credit score” mortgage is geared toward people who want some financing for sure targets: for instance, it may be used to make a visit, to check, to reform the house, to purchase home equipment, and so on.

As its identify suggests, this mortgage is designed to finance a brand new automotive.

Monetary corporations related to automotive sellers will help you financial the car. The issue with this components is that the circumstances are often not very useful for the person.

The Credicoche mortgage will enable you to renew your car for a lot lower than you assume.

Reform Mortgage

Lastly, we’ve the Reform Mortgage that provides us the chance to reform our dwelling, to lastly notice that concept to which we’ve been giving it for therefore lengthy.

No extra having to depart the home midway till we’ve financing. Caixa Guissona provides you this credit score so that you shouldn’t have to fret about something.

Necessities to request the credit/loans 

Requesting the credit from Caixa Guissona may be very easy, and that’s that they are going to solely ask us for some fundamental necessities, along with processing rapidly. This doesn’t imply that they will grant us sure or sure, however it is going to give us extra time to get the cash if our software is lastly canceled.

The commonest necessities that you’ll ask us are the next:

• Identification doc: Photocopy of the NIF / DNI / NIE or equal.
• Doc proving the receipt of earnings: Usually the payroll, though it may also be a pension or every other sort of earnings.
• Within the case of submitting a payroll we will even be requested for the work life, and we should point out the kind of contract in addition to the seniority that we’ve within the firm.
• Photocopy of money owed that we might have with different entities.
• Finances of the products or companies which might be going to be financed .
• If we work on our personal, we will even have to supply the newest Revenue Tax Return.
• If we work for another person, we are going to request the final VAT Declaration and the final two Revenue Statements.

Relying on the mortgage that we’re going to request, the quantity of necessities may improve.

Mortgage rates of interest

• Shopper Credit score: Shopper credit score is granted with a most time of 5 years and has a hard and fast rate of interest of 5.25% present nominal and 5.37% APR .

Nevertheless, on their web site they warn us that the rate of interest is conditioned on a previous research of the request of every shopper.

• Credicoche: The “Credicoche” is granted with a most time of 8 years. An curiosity of 4.90% nominal annual + 5.01% APR is utilized. The rate of interest will likely be fastened all through the time period of the mortgage. In the identical method as within the earlier possibility, will probably be conditioned to a earlier research.
• Mortgage reform: The “Reform Mortgage” can also be granted with a most interval of 8 years . A proportion of 4.40% nominal annual and of 4.48% APR is established . The way it occurred with the earlier loans, the share will likely be conditioned to the earlier research that the entity will do.

apply for Caixa Guissona On-line loans

Making use of for Caixa Guissona loans is a quite simple course of that anybody can do, no matter whether or not or not they’ve pc abilities. Within the occasion {that a} department is near your location, you might want to go to it to be handled bodily.

The method may also be processed by way of the customer support quantity that we’ve beforehand talked about.

The web interface places at our disposal a really sensible software that may permit us to do numbers to see if the mortgage pursuits us or not. To begin with, check out the actual traits of every mortgage after which transfer on to utilizing the simulator .

Simulator

We will entry the simulator by clicking on “Mortgage Simulator: Make your numbers” (this feature is included on the best aspect of the online).

• The very first thing we’ve to do is select the kind of mortgage we need to simulate. For this will probably be so simple as clicking on a drop-down and selecting the identify of the mortgage in query. We’ll even have the choice of utilizing the simulator with a few of the mortgage plans that the online provides us. As a curiosity, the final possibility of the drop-down is the “free simulator” mode, which permits us to make our numbers with out accepting any particular plan.
• The following step will likely be to regulate the capital that we need to request. We’ll do that by shifting a bar to attain the specified worth. The minimal quantity to request will likely be € 5,000, and the utmost of € 100,000.
• Subsequent, the amortization interval (given in years) will even must be established. The minimal amortization time will likely be one yr , and the utmost of 8 years.
• The final level that seems within the simulator is the rate of interest . Nevertheless, within the modalities of loans we is not going to be allowed to govern this worth. For instance, if we select the “Shopper Credit score”, the rate of interest will robotically be 5.3%, and we won’t be able to vary it. If what we need to do is simulate a mortgage, or select the choice of “Free Simulator”, that may permit us to vary the worth at our whim.

As soon as we’ve established the specified values, a comparative desk with all the information referring to the mortgage will seem within the decrease half. That’s, the variety of installments we’re going to face, the quantity of every of them, the amortization, curiosity and the brand new excellent capital.

As we modify the values, this desk will likely be calculated once more.

If we need to request a mortgage with Caixa Guissona , will probably be so easy how one can have time and sit in entrance of the simulator, to strive completely different choices till we discover one which satisfies us.

return the non-public loans 

On the time of signing the loans, it is possible for you to to know the way a lot you’re going to pay month-to-month (what is called a charge). The mortgage will likely be repaid month by month till the whole quantity is reached and it’ll take the cash straight from our account.

Though we’ve not talked about it earlier than as a requirement, the entity will power us to have an account with them to request the mortgage or a mortgage. In any other case, we can’t do something.

That’s to say that, in contrast to what quick credit score typical corporations do, we is not going to must be coming into the cash in an account quantity, or doing every other sort of administration. The gathering will likely be managed robotically: the one factor we’ve to fret about is to verify there’s cash within the account on the proper time.

Extensions and postponements

Nevertheless organized we could also be, we can’t at all times foresee when we’re going to delay fee. For instance, it might be that we’ve not but acquired the payroll and that it’ll nonetheless take just a few extra days.

On the Caixa Guissona web site, we don’t discover any information referring to extensions and / or deferrals, however the fact is that this feature does exist.

Simply by looking on the opinions of the shoppers, we found that many have had the issue that they might not increase the cash to pay on the finish of the month. If this occurs, we should name the customer support quantity 900 102 873 as quickly as potential and attempt to request an extension.

Almost certainly, if it’s the first time that occurs to us, we grant it with none type of downside. After all, the most secure factor is that the mortgage circumstances range (including some further curiosity), so we’ve to make an effort to not get up to now.

The overwhelming majority of choices on Caixa Guissona are optimistic, so right here we’ve a strong motive to belief the entity.

The shopper values very positively the truth that the field eliminates the commissions (particularly the elimination of the fee of opening on the time of transacting a mortgage). As well as, prospects say that the preliminary feasibility research they do may be very complete, designed to avoid wasting as a lot as potential.