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The company offers you a loan subject to credit review, which means that before approving your application your financial background will be evaluated in the system, your level of compliance in the payment of the installments corresponding to previous credits, your level of income, among other points.

Remember that the annual effective rate is the real cost to take for the interest rate, which determines the value of money over time. But in a personal loan of these characteristics, it is not the only cost that you have to consider, since you also have taxes, commissions and others. To consider all these values, you have to take the total financial cost, which in this case is 99.47% per year, calculated on the annual nominal rate.