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The gift loan offered by the bank BBVA It is a type of credit in which the customer contracts the financial product using some of their personal wealth as guarantee. The loans with these conditions generally offer interest for much lower payments and this is what we will deal with in this opportunity. Next, see all the characteristics associated with this product BBVA and, finally, check your requirements and how to request it, if you have a real interest, need and comply with the requirements of the offer. Are you curious? So, follow us.
Particularities of the BBVA gift loan
This product of the BBVA This is an opportunity to finance the 85% of a specific vehicle that you want to buy. In this loan option you have the opportunity to purchase a completely new or used car that is more than 9 years old. The payment period extends to 60 months with the possibility of pre-approval. Regarding product values, the minimum to be contracted is $40,000 and the maximum is $7,500,000.
Furthermore, it is worth mentioning that here we are referring to coach financing, but it is the same product of BBVA It can be used to finance other cars, such as motorcycles.
The requirements that must be met to obtain a BBVA gift loan
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It is clear that in order to contract a monetary loan in BBVA Argentina, some criteria and conditions must be met, and are established in the following way:
- Firstly, you must be at least 18 years old;
- While working, it is necessary to be in a dependent relationship for 1 year or 2 years as an independent contractor;
- Your minimum net income must be $16,500.
Furthermore, it is also possible, along with your pre-payment loan, to take out motor insurance through the dealership where you are purchasing your car, but you need to pay attention to the qualified companies. These sounds:
- La Caja; Zurich;
- San Cristobal;
- Allianz; Sancor;
- The Second;
- RUS;
- Triumph Insurance.
As for this specific cost, it may vary depending on the type of car you are purchasing, its coverage and the vehicle's storage area. If there are doubts in the process, the same dealership can resolve them.
Note: one of the most important details when requesting a loan is to check and not overlook any information about the fees and rates applied to the product. This can have a positive or negative influence on your hiring. Therefore, we recommend accessing its official website BBVA.
See also: Banco Comafi Visa Internacional Argentina Card – Benefits and Advantages
How to request your BBVA gift loan
The process of applying for a gift loan BBVA It requires a few steps to follow, starting with reflection on your true need, a good financial plan to assume the costs of funds and the lack of other means to obtain what you need without running the risk of self-employment. If the resource is not available to anyone else, follow the procedure further and request it through the bank BBVA:
- Firstly, I assume that you have evaluated the previously mentioned requirements and you know whether you fulfill them or not;
- If you meet the requirements, select the item you will use as a guarantee (remember this part, right?);
- Now gather all the necessary documents: your identification, proof of residence, income and documents that are valid as a guarantee;
- Luego visit an affiliated dealership BBVA and choose the vehicle you want to finance;
- Request pre-approval of the loan at the dealership;
- Finally, when requesting through the service in the physical store, wait for the bank analysis in relation to your request;
- It may also be necessary to take out joint insurance;
- Obtain a positive and firm response to the contract after reading it carefully, as this demonstrates your compliance with the financing terms and conditions;
- Finally, you will obtain the value of the loan.
A great advantage is included in everything and you don't need to be their customer BBVA to use this product. Other institutions require that you open an account first to access a loan.
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