Entrepreneurship: Tips that you should keep in mind before applying for a loan

Access to bank credit is becoming easier, due to the wide variety of options that financial institutions present. In addition, it is a good option to start or grow your business.

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Sergio Rivera, ECS commercial manager of Experian Peru, shares four tips to avoid inconveniences when applying for a loan.

1. TAKE INTO ACCOUNT WHAT YOU ASK IT FOR. You must request it with a clear objective and being aware that you assume the commitment to pay it on the indicated date. You can use platforms such as ‘Busca Crédito’ to learn about the options offered by financial institutions.

2. ADEQUATE CREDIT HISTORY. All entities will evaluate your profile together with the size and conditions of the credit you request. Therefore, it is important that you know very well how much is the amount that you can commit to pay.

3. VERIFY THE COMPOSITION OF THE CREDIT. Check the principal, term of the debt, interest rate and additional costs. These elements are essential to have good control.

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4. CALENDAR PAYMENTS. Placing payment dates on a calendar will give you the option to better control your monthly budget.

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