kulsumkhatun488
Do³±czy³: 10 Mar 2024
Posty: 1
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 Wys³any: Nie Mar 10, 2024 07:11 Temat postu: Tips to keep in mind to choose the best bank |
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Our personal finances worry us and take up much of our time. Facing the payment of housing with the greatest solvency, managing to save, cutting expenses, having an investment that shows us a promising future or, simply, not seeing how our purchasing power is reduced over time are issues that affect us all. all. To face each of these scenarios we will have to have an entity that walks by our side. How should your bank respond to the main needs of the Spanish population? Banking entities such as EVO Banco, Bankinter's % digital bank, adjust to the social reality and vital needs of their clients by offering innovative solutions in areas such as savings, mortgages and investment. Mortgage loans: more flexible conditions and rates Many people have seen how their mortgage payment has skyrocketed with the rise in interest rates while others find it impossible to access a loan to purchase a home or start a business. “The mortgage rally in recent years was a huge setback for many families who wanted to buy a house or who had bought it in a completely different economic context,” says Juan Rosas, executive director of Business and Customer Laboratory at EVO Banco, the Bankinter's % digital bank. “At EVO we have granted more mortgages than our share by size at a sector level, and we have done so by making our conditions and rates as flexible as possible to reach many more citizens.”
Juan Rosas, Executive Director of Greece Phone Number Business and Customer Laboratory of EVO Banco “Many times, banking has been presented as that type of company that gives you an umbrella when it is sunny and takes it away when it is raining. At EVO we have granted more mortgages than our share by size at the sector level, and we have done so by making our conditions and rates as flexible as possible to reach many more citizens,” explains Rosas. In fact, the entity has responded to this social reality with “a shock plan to place our mortgages in the top in the market in price, we maintained the policy of zero commissions, and we did not fall into the temptation of demanding connection conditions that were not “They add value,” adds the expert. In this sense, the bank insists on the importance of adopting a very prudent risk policy. “Our delinquency rate is one of the lowest in the sector and that is a guarantee of financial strength for all our clients,” says Rosas. “At EVO we believe in fair prices and long-term relationships, and possibly that is the key that allowed us to double the business and far exceed the , million euro investment,” he reflects. Evo Bank Mortgage rates Source: EVO Banco press release Savings: strategies for greater purchasing power Inflation, with the consequent increase in prices, forces us to reduce expenses, something that should lead to our commitment to digital banking. “
Operating with a digital bank should in itself be a savings opportunity , since as entities that do not carry the costs that banks with large networks of offices or staff have to bear, we can offer a better price for top quality products. That's why we were able to launch a paid account at % without any type of requirement, with the money always available, and with the same profitability as a good deposit," says Rosas. In addition, entities provide other strategies to their clients with the aim of reinforcing savings, even generating direct credits when purchases are made. “This year we have promoted a smart cashback with multinational brand stores that return part of their purchases to the customer. This system is being very successful because it returns money to clients without them having to do anything at all, since our app is capable of identifying the trade in real time,” explains the executive director of Business and Customer Laboratory at EVO Banco. Investment: personalized and healthy plans There are people especially worried about their financial future. Will I have enough money when I retire? Should I invest as soon as possible? Will I find a product based on my needs? Managing uncertainty is not easy either. However, for experts, the first step is to set objectives, always starting from a prior analysis. “Uncertainty is a lack of information, and one of the most important starting points for drawing an investment strategy is our ability to upload an intelligent analysis of financial health into the app ,” says Rosas.
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