funding especially in small denominations have become the real "theft" authenticated and authorized.
There is no mention here of the opposition due to bias, anti-consumerism or whatever, but the fact that, ultimately, into a personal loan or even more so in one of the many funds that are offered to us every day when we buy goods, hides and many hidden costs such that the actual cost of that purchase ends up being far from as advertised and also from the calculated, often wrongly, by the purchaser.
the latest "news" in order of time is the inclusion of a burden for the collection of the newsletter or the RID, which is required by the company issuing the loan.
careful, do not speak here the euro or the euro and fifty we pay when we go to the post office or bank to pay our monthly payment, we talk about another cost that is charged as the financial administration of the same bulletin.
Now this cost, like all those that revolve around funding, taken by itself is minimal, we often talk about 1.50 to 2 €, but if payments are often condieriamo 12, we arrive at that other 24 € are essentially pinned unsuspecting buyer.
Remember the APR? Here's what it is composed:
"The APR. (Annual percentage rate), however, indicates the interest rate per annum inclusive of all costs of financing. Unlike TAN, also includes expenses related ancillary mandatory when the loan, such as the cost of inquiries practice. Do not become a part of the parameters that affect the APR . state stamps, taxes and insurance "
As you can see that the APR should also be global, it is not that much. Bolli, taxes, insurance (increasingly imposed in contracts) and other expenses such as administrative costs of collection should not be on the APR and is well specified, only that people in fact do not.
be clear from the legal point of view everything is fine, the commission shall be indicated clearly in the leaflets (which nobody reads) are also well explained in the contract so that the budget is not at risk of any type which causes or other annoyances, but every day I watch the endless stream of people who are "shorn like sheep, they do not know this great little tricks.
I leave you with a fact that hopefully make people think. One of stamps, required by the financial burden of collection and the post office, a loan of 12 months, with postal payment has a cost "more" of 40-50 € think what it means to add these costs to a funding of € 300-400. We speak of a rise in costs by over 10 %....
And then we are surprised the flourishing of personal loans and funding agencies?
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