The debts generated by the year-end expenses caused the people of Cancun to fill the banks, since there were those who used more money than planned to pay the family dinner, gifts, vacation or emergency expenses.
The lines of people in various banks around the city formed yesterday before the opening, where there were those who affirmed to this medium that the purpose was to request personal loans without payment period.
Miguel Ángel Uitzil May, president of the association of Tax Specialists Quintana Roo delegationexplained that the most common reason why debts were generated is because citizens used credit on their cards for expenses outside their plans.
This causes the credit used to be paid, but with the beginning of 2024, the bonus and the last salary of 2023 spent, People ran out of money to pay the debt quickly.
“The loan that the bank is granting was an immediate loan, and you could pay it at any time. As soon as you could pay it, you paid it (…) but it can go from 12 to 36 months, but you can now pay it at any time,” he said.
The interviewee added that the money that the banks give can be 10 thousand pesos or more, according to the economic capacity of each person. Although, another way in which loans are asked to be paid is via payroll.
In these cases, a citizen agrees with the bank that a part of the debt be settled with a part of the biweekly salary from workwithout affecting the personal economy and being scheduled over a period of time.
“It is the only way to pay it considering that the fortnight is not until a week and a half from now. If they have to cover expenses from 10 to 14, they have to see how to finance themselves,” he commented.
The capital granted depends on the financial capacity of each person, and the payment period.
But, Uitzil May pointed out that The loans have a fixed interest ratewhich can be from 22% to 30% annually, where the longer the payment term, the greater the interest.
This means that if a loan of 10 thousand pesos is received, the person will pay that same amount to the bank within the agreed term plus the fixed interest rate. If it is a rate of 22% annually, two thousand 200 pesos more would be paid.
“If there is a delay, what will increase is the default interest, which is additional,” he warned.
On the other hand, the president of the association of tax specialists He pointed out that the most imprudent movements are those with shorter payment periods, because these have the risk of covering a person’s entire payment capacity, and depleting a large part of the money received every two weeks.
In the coming days, more citizens will be able to appear at Cancun banks to request more loans.
2024-01-04 01:39:43
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