enasacentroamerica Financial Information For Better Live

Pre-contractual information and Factsheets

Only to ensure transparency of operations and financial services (ICRC on 4 March 2003, a discipline that pursues the goal of making known to the customer which are the essential elements of the contractual relationship, with the resulting movement and the maintenance of market competition financial), the banks also choose to bring the so-called customer information sheets, which provide detailed information about the financing.

This information sheet, are dated and timely updated, contain all the information necessary to ensure the customer and are structured as follows:

• Information intermediary. Are given identification of the intermediary, including header and legal form, registered office and administration, internet address, ABI code, registration number of the overall list, or in the special of Himalia, Register number Enterprise and for foreign intermediary, any relevant supervisory authorities;
• Characteristics and risks of the transaction or service. It gives a brief description of the structure and function economical transaction or service, and ancillary services provided as well as risks of generic or specific related such as: risks of interest rate, exchange rate, indexing etc …
• Economic conditions of the service or transaction. Shall indicate the price or any other fees, charges or expenses (postage, appraisal, etc. ..), or any criminal record;
• Contractual terms governing the operation or service. ATTENTION draws the customer on terms not economic challenges such as those on a possible withdrawal, time required for completion of the transactions (e.g. loan agreement, say the payment timing of sums), tacit renewals, waivers of liability in favor of the intermediary, of course, following the standard schemes recommended by the Community institutions.

• Soon new funding agreements on anti-wear