Personal loans in Greece, Germany and Spain, how are they different?

Although in terms of distance Germany and Greece are far from Spain, there are few differences that can be established if we compare their economic systems with our country. In fact, in consumer loans, the average bank interest rate for August is 10.69% in Greece, 4.49% in Germany and in Spain by 8.16%, according to the statistics entity of the euro area. The one that goes further than our average is the interest rate in Germany, but what would happen if we investigated personal loans and the differences they present in terms of amounts, conditions, and advantages? Would they be very different? then we check it.

Offers that we can find with personal loans from Germany and Greece

Next, we will show an analysis carried out with the purpose of deciphering, in broad strokes, the main differences that we can find if we ask for personal loans in these three countries. Starting with Germany, if we give as an example the credit institution DKB (Das Kann Bank), it offers us the possibility of obtaining between 2,500 and 50,000 euros enjoying advantages such as being able to return it up to 84 months (7 years), not having any kind of commitment or enjoy a fixed rate of 5 to 20 years.

As for Greece, we can access personal loans of 1,500 to 30,000 euros with Alpha Bank, the second largest bank in the country. This is a loan that we can allocate to any purpose and, in addition, we can return it up to 8 years.

We do not perceive very different characteristics between the personal loans of Spain and those of Germany or Greece in terms of amounts and periods of repayment. One of the tools that help us better perceive the differences between one product or another are the personal loan comparators. Through these, we can obtain a more general vision of all that a financial product can offer us and, depending on the characteristics of each, choose the option that best suits our situation.

Do these personal credits still have the same requirements?

If we decide to ask for payday loan consolidation, we would usually be asked to be 18 years of age, to reside in the country and also to have a regular income- GT site I like. In the case of Greece, the aforementioned entity indicates on its website that the minimum requirement is to reside in the country permanently. In parallel, it indicates that it will be necessary to present our Identity Document, the last year’s tax return, and the last payroll if we wish to access the loan.

In Spain, for example, we can find personal loans that will also require us to contract related products such as insurance, be 18 and in some cases even older or have a payroll registered with the entity, among others.

We see, therefore, that there is little difference in terms of requirements. It is clear that these may vary depending on the entity, but if we ever move to Greece or Germany and need personal loans, we already know that they will not ask us for anything out of the ordinary. In fact, if we want to enter the matter and start to inform us, we can download for free the “Guide to request a personal loan to the bank in 25 questions ” to clear some doubts before launching into the adventure.

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The master's degree in the European Higher Education Area

This type of courses allow to continue the training and specialize for professional practice

The master's degree in the European Higher Education Area

  • Generalitat of Catalunya
  • Ministry of Education
  • Iago López

Barcelona. (Redación) .- The European Higher Education Area (EHEA) implies that the university qualifications of all European countries will guarantee an immediate recognition of degrees anywhere in Europe, mobility between countries, and continuous learning .

Formal qualifications be structured in undergraduate and postgraduate; Therefore, Official Postgraduate degrees are framed in this European Higher Education Area, these are divided into 2nd cycle studies and 3rd cycle studies. In the 2nd Cycle, University Master’s courses of one or two years duration (between 60 to 120 European credits) and in the 3rd Cycle doctorate are taken . This structure of higher education allows former graduates and engineers or technical architects, access to the Doctorate through a University Master.

Types of master’s degrees
• Professionals, oriented to training for professional practice. In this type of master’s degree it is usual to include professional practices in companies. Within these masters are the master’s programs that train for regulated professions.

• Research, oriented to training in research activity.

The University Master’s programs allow continuing the training and specializing in what companies demand today, with an official title that is valid in any European country. In the Universitat Abat Oliba CEU the postgraduate courses offered are: doctorates; university master’s degrees (recognized by the Generalitat de Catalunya and the Ministry of Education and Science and approved with the requirements of the EHEA), own titles; postgraduate courses and specialization courses. All with an international perspective and a deep link with professions and renowned companies, own characteristics that will open the doors of the future to students.

More specifically the UAO CEU, offers postgraduate studies in the areas of Communication, Humanities and Education Sciences, Psychology, Economic and Business Sciences and Law and Political Science. These studies, in addition, are renewed each course to adapt them to the needs of the changing work environment.

This year, within the area of Communication , the UAO CEU offers the Master’s Degree in Audiovisual Postproduction and the Master’s Degree in Digital Communication and New Technologies, which provide students with the latest technological advances in this field, as well as the Postgraduate Degree in Gastronomic Communication and Winemaking, for those communicators interested in this sector so booming. And the new Postgraduate in Voice and Body, a multidisciplinary proposal around personal communication and the only voice in Catalonia.

Within the area of Humanities and Education Sciences, he holds a Master’s Degree in Humanistic and Social Studies and a Master’s Degree in Performing Arts Management that prepares professionals at a technical and human level.

On the other hand, in the area of Psychology is the Master’s Degree in General Health Psychology (pending verification), which is a professional master’s degree in the field of clinical work of Health Psychology, which enables to exercise the profession entitled and regulated for their own account or for others in the health field. And the Postgraduate Degree in Psychology and Sports Coaching, a new training program that contains the latest techniques and practices of sports psychology.

With regard to the area of Economic and Business Sciences , the Master’s Degree in Logistics and International Trade is ideal for those professionals interested in the internationalization of their business. The Master’s Degree in Communication of Social and Solidarity Entities is aimed at entrepreneurs interested in developing responsible projects at a social level. The Master in Law and Maritime Business, the only Master in Spain that combines Law, English Law and Maritime Business. And the Master’s Degree in Auditing and Accounting (pending verification) that has the purpose of the practical training of specialists in the field of auditing, which allows them to face, in the most effective and well-founded way, the direction or conduct of audits of companies of any type or dimension. In addition to the new Iona – CEU Fast Track MBA Program.

Lastly, within the area of Law and Political Sciences , the University Master’s Degree in Advocacy stands out, with which professional training can be acquired prior to enrollment in the Professional College, and the Master’s Degree in Administrative Management, with which they specialize in studies in this field, especially with regard to the latest technological changes that have been introduced in it. In this area, specialization courses in Bankruptcy Law and Economic Criminal Law are also offered, as well as the Diploma in Marketing for Professional Dispatches.

In short, a wide range of training in areas in which more and more experts with more and better training are increasingly needed.

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Andalusia and the Balearic Islands, first communities to recover financial autonomy

Andalusia and the Balearic Islands, first communities to recover financial autonomy

The Finance Minister, María Jesús Montero, is preparing the gradual exit to the financial markets of the communities and this year, and Andalusia and the Balearic Islands will be the first to recover their financial autonomy, “lost” during the economic crisis.

In an interview with Efe, Montero announced that these two communities have already accepted the procedure established by the Government for the gradual exit to the financial markets of the communities adhering to the extraordinary mechanisms of the financing funds, such as the Liquidity Fund. Autonomic (FLA).

The Balearic Islands and Andalusia have submitted their corresponding application and, according to the minister, will be authorized “immediately”, because “there is a kind of window of opportunity to go out to the markets at this time”, which could “not last long” and there is what to take advantage of

“It is very important that the communities go out to the markets,” said the minister, who complains that, during the crisis, “they lost their financial autonomy.”

And they lost it, he argues, because they depended on the loans granted by the Government, where, apart from different issues, a “small letter of conditionality” was proposed to access those funds that implied “a renunciation of certain autonomic powers”.

Montero considers that the Government of Mariano Rajoy “made the FLA an instrument not only for assistance, as it proposed, but also for the re-centralization of competencies held by the communities.”

Therefore, he adds, it is “very important” that the communities begin “a progressive exit to the markets after seven years”, which must be gradual, because, after seven years, “it would not be reasonable for them to expose themselves in a so abrupt, with risk of its public finances, to go out to the markets “.

In this way, all the communities are proposing partial solutions, such as Andalusia, which has raised about 600 million of the total money it has linked to the FLA, which is about 4,000 million.

The important thing – he insists – is to start going out to the markets, to try to see that there really is no risk, and for that it is important to have a correct rating of the credit agencies. “And you only have that if you meet the stability objectives,” he adds.

One part of fulfilling the goal of stability, that “nobody ever sees the benefit,” he jokes, is that it helps communities recover their financial autonomy, “instead of asking the ministry for permission to do things that were previously done without need for authorization, so that everyone can develop their policy “, within the economic framework proposed by the EU.

Asked about the restructuring of the communities’ debt, Montero stresses

that she does not like to speak of debt reduction or forgiveness, which are “dissuasive” words that generate “convulsion” in the financial markets.

It does speak, however, of debt restructuring and “of seeing exactly how that sustainability can be raised in the medium term” and what capacity there is for each community to “find a more comfortable place to travel the debt”.

“The debt has to be sustainable and we are starting to work on the sustainability of the debt, but we have only just begun,” he says, pointing out that there have been some “four thousand and a billion” that were short-term in the medium term, that affects the autonomies that every time they had to renew with financial institutions they found themselves with a “true purgatory”.

“There were resistances when renewing that debt, they had to make thousands of negotiations, we had to intervene from here, I believe that the recognition of the reality in which we find ourselves must be a hallmark of this Government without this implying a question or in crisis everything that has been done before, “saysEFE

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