### In this opportunity we will analyze the personal loan offered by the bank which has the following benefits and characteristics:

- Activate it by phone and instantly get the money you need, with immediate credit to your account.
- Loans in pesos.
- Constant fees at a fixed rate.
- Up to 60 months term.
- Possibility of canceling totally or partially.
- Savings box without charge for the debit of the installments.
- Get the best benefits all year.
- Choose the most convenient credit card.
- Operate your products in the safest way.
- The client must demonstrate a minimum income of 5400 pesos.
- The quota-income ratio can not exceed 40%.
- The minimum age of hiring is 21 years.
- The maximum age of employment is 75 years.
- Possibility of making a total or partial cancellation in advance. The cost of the pre-cancellation, total or partial, is 3% + VAT on the pre-cancellation amount.

The value of the fee for each 1,000 pesos requested for the different terms available are:

- For a 12-month loan the fee is 109 pesos.
- For an 18-month loan the fee is 81 pesos.
- For a 24-month loan, the fee is 68 pesos.
- For a 36 month loan the fee is 55 pesos.
- For a 48-month loan the fee is 49 pesos.
- For a 60-month loan, the fee is 46 pesos.

The applicable interest rates for the different terms are:

- For a period of 12 months: The Annual Nominal Rate is 42%, the Annual Effective Rate is 51.11%, the total financial cost is 82.24%.
- For a period of 18 months: The Annual Nominal Rate is 42%, the Annual Effective Rate is 51.11%, the total financial cost is 78.40%.
- For a period of 24 months: The Annual Nominal Rate is 42%, the Annual Effective Rate is 51.11%, the total financial cost is 76.45%.
- For a period of 36 months: The Annual Nominal Rate is 42%, the Annual Effective Rate is 51.11%, the total financial cost is 74.52%.
- For a period of 48 months: The Annual Nominal Rate is 42%, the Annual Effective Rate is 51.11%, the total financial cost is 73.59%.
- For a period of 60 months: The Annual Nominal Rate is 42%, the Annual Effective Rate is 51.11%, the total financial cost is 73.06%.