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INTEREST RATES (COMPANYS)

Interests go directly to the investors who have shared the money. Take into account that they are people like you, who have provided you with their savings to help you to fulfill your goals. They receive in exchange a profitability which are the interests you´re paying.

The interest rate depends on two factors:

  1. Basis rate: it´s the same for all the loans and depends on the average interest rates of the market
  2. Risk factor and volatility: it depends on the solvency grade of the loan. Transparency commitment Socilen: we want you to have all the information so you can compare and make the best choice. The TAE is a good indicator of the real cost of the loan. In the calculation of the TAE, apart from the interest rate, the other costs that are associated are also included within the loan, such as the commissions. The TAE is particular in each case in concrete, since it depends on the cost and deadline chosen. But don´t worry, before confirming your loan we will tell you exactly both your costs and your TAE. Check and compare. It´s your choice!

 

The TAE we are showing you in the following table corresponds to a loan with a quantity of 12.000 Euros, and it varies depending on the returning time of the loan. You have to place yourself in the column corresponding to the months of duration of the loan, where we indicate you both the TIN and the TAE according to your solvency level

 

GRADO DE SOLVENCIASUBGRADO0-12 MESES13-24 MESES25-36 MESES37-48 MESES49-60 MESES
TINTAETINTAETINTAETINTAETINTAE
SOLVENCIA MUY ALTAA12,65%4,12%2,92%3,70%3,18%3,74%3,45%3,89%3,71%4,09%
A23,15%4,64%3,47%4,28%3,78%4,36%4,10%4,57%4,41%4,82%
A33,65%5,65%4,02%5,10%4,38%5,16%4,75%5,38%5,11%5,66%
SOLVENCIA ALTAB14,15%8,15%4,57%6,71%4,98%6,49%5,40%6,60%5,81%6,84%
B24,65%9,69%5,12%7,81%5,58%7,49%6,05%7,57%6,51%7,81%
B35,15%11,25%5,67%8,93%6,18%8,49%6,70%8,54%7,21%8,80%
SOLVENCIA MEDIA-ALTAC16,40%13,69%7,04%10,98%7,68%10,50%8,32%10,61%8,96%10,96%
C27,65%15,12%8,42%12,52%9,18%12,18%9,95%12,43%10,71%12,92%
C38,90%16,58%9,79%14,09%10,68%13,88%11,57%14,28%12,46%14,93%
SOLVENCIA MEDIAD110,40%19,43%11,44%16,55%12,48%16,35%13,52%16,84%14,56%17,63%
D211,90%21,24%13,09%18,50%14,28%18,47%15,47%19,15%16,66%20,13%
D313,40%23,07%14,74%20,47%16,08%20,62%17,42%21,50%18,76%22,69%