Types of credits that may interest the user, according to Condusef

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According to the Condusef, there are various credits that benefit the applicant in situations of higher expenses, as long as they are used with care.

The credit is a financing granted by a financial entity that lends a monetary figure so that it is later returned, including interest, commissions and other stipulated. But it is not only a common credit that can be granted; There are a variety of types of credits such as mortgage, bank, microcredit, consumer, production or commercial loans, to be used by interested parties who seek to obtain money today for the future.

Types of credits that exist and their differences

The credits are designed to be an economic support for a natural person or a company. Its use must be appropriate, being a financial tool that is intended to help achieve the objectives of those who will use it.

As each individual or company has different financial needs, there are several types of loans that are responsible for meeting expectations or what is requested, and according to an article from the Condusef (National Commission for the Protection and Defense of Users of Financial Services), There are institutions that offer attractive benefits to make the credit.

Some existing credits are the following:

  • Mortgage loans: To acquire a house or other real estate.
  • Payroll loans: Granted upon receipt of the salary in the same bank that lends the credit. Its amount depends on the salary you earn.
  • Personal Credits: No specific purpose can be used to pay for a trip, buy concert tickets, invest, remodel a house, for a business, among others.
  • Card credits: They aim to lend money that you do not have in the present and then pay it in the approximate future.
  • Specialized credits: These include another variety of credits such as educational, automotive, supplies (for companies) or spare parts (as raw material).
  • As well as the Credits of department stores: They are those that offer to be used in a respective store taking advantage of months without interest, promotions and more benefits to acquire things and pay for them at a certain time.

Digital credits and microcredits

Other types of credits are those provided by financial services companies, of the digital type and microcredits, so that their clients achieve certain objectives according to the financial situation in which they find themselves and according to their operating preferences.

A digital credit is a loan to be used in business, home, education, debts or whatever is needed. It is obtained from minutes and from the cell phone. For its part, microcredit is a very small, short-term loan, aimed at people who cannot apply for a loan through traditional systems, such as a bank, for example, because they do not meet the required requirements.

Advantages and benefits of credits

Contrary to popular belief and the myths that surround them, digital credits and microcredits, as well as other types, have a variety of advantages and benefits such as:

  • They grant the amount of money that is needed.
  • Your payment is made within the economic possibilities of the owner of the credit.
  • They can cover multiple needs at once.
  • Most digital credits are approved in as little as a few days.
  • In some credits, their approval is made without going through a Credit Bureau review.
  • The requirements to obtain digital credits are no longer as strict as the traditional ones. With an official identification and RFC they are easy to obtain.

Each of the existing types of loans meet the required needs of customers. Knowing how each of them works, their use will be used in a better way when requesting one.

Source: https://www.edy.com.mx/2022/04/tipos-de-creditos-que-pueden-interesar-al-usuario-segun-condusef/

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