I am Clara Duarte, your expert on loans and money saving tips. I will provide you with the best money saving ideas and tips on how to analyse and choose the best loans for your personal needs.

When we think about applying for loans or looking for new ways to save money, doubts always arise. That’s why if you have any doubts you can contact me through our contact form.

As a financial advisor, my mission is to help people make the best financial decisions possible.

I can research, compare and manage financial products from countries such as Sweden, Finland, Norway or Spain, including loans, credit cards and bank accounts.

My financial advice includes recommending comprehensive solutions tailored to each client’s financial situation so that you can save as much as possible.

In terms of the types of loans I work with, the following stand out:

Personal Loans

They are often used to finance travel or household equipment. The repayment period is short and interest rates are high.

Quick Loans

This type of financing is practical when liquidity is needed at a specific moment to pay salaries or resolve an emergency. There are usually not many requirements and responses to applications are quick.

Mini-Loans

Quick loans are loans in the amounts of between 100€ and 500€ and not exceeding 1,000€ . They are used for vehicle repairs or to pay bills at the end of the month. They are granted instantly and their repayment period usually does not exceed 60 days.

Car Loans

It is processed through the company that sells the vehicle. Repayment terms usually range from 12 months to 60 months and interest rates vary depending on the time agreed for repayment of the loan.

Mortgages

This type of loan is the largest and is used to buy a house. The repayment period is long, usually from 20 to 40 years, and the interest rate is the lowest compared to other loans. The banks require the home being purchased as a guarantee for the repayment of the loan.

Consolidation of several loans

It is an option to convert the payment of several debts, such as mortgage and car loan, into a single payment.

Loans with Asnef

These are loans that can be requested by people who are included in the delinquency list. This option requires a source of income, short repayment periods and usually low amounts.

I can also offer you other financial products, such as accounts or cards, all adapted to your preferences and needs.

In addition, and related to the above, I can give you advice on how to manage your personal or professional finances in the most efficient way, achieving maximum savings:

Analysing your economic situation.

It is necessary to know in detail the monthly and daily expenditures in order to know the origin of the economic situation.

Identifying the problems.

By observing income and expenditure movements, it will be possible to identify expenditures that can be eliminated in order to increase the money available.

Organising the money.

It is essential to separate fixed and other expenses, such as food or personal maintenance, to avoid spending money on unnecessary expenses.

Comparing funding.

By assessing the different loan and credit options, you can apply for the right type of loan or credit for your current financial needs.

If these simple steps are carried out correctly, your financial situation can improve considerably, going from negative results to savings. If you need a loan or your financial situation is not what you want, do not hesitate to contact me so that I can assist you with all your doubts about financing, financial products and savings.

Don’t forget that we write quality content by regularly publishing articles on our blog. Surely you are curious about how to apply for a loan, or for example what are pre-approved loans among many other doubts.

Take a look at the latest posts we have published! We hope you find them helpful.