How to buy an external hard drive with a loan?

How to buy an external hard drive with a loan?

With the passage of time, we began to accumulate many memories in digital formats such as photos, videos, audios, music, documents, etc. and all this occupies a certain space . Therefore, on the next page we explain how to buy an external hard drive in the most advantageous way for you through credits .

In the current market, there are a lot of brands that market technological products and, thanks to this, we can find a variety of external hard drives.

Thus, each one will have different characteristics, functions, storage capacity, prices, colors, materials, etc., so it will depend on our preferences and the purpose that we want to give the external hard drive, to choose between one or the other .

On the other hand, regarding the price, it is very complicated to establish an average cost, although we can say that with a budget of € 100 we could buy a mid-range external hard drive .

Free mini-credits to buy an external hard drive

Free mini-credits to buy an external hard drive

We have already commented that with about € 100, we can buy an external hard drive with acceptable and mid-range functions. Therefore, if we urgently need money or it is the end of the month and we are economically fairer, we can resort to free quick mini-credits .

Thanks to these products, we can have small amounts of money, rarely exceed € 300, instantly and return them the following month without any additional cost, that is, if we request € 300, we will return € 300.

One of the great advantages of these products is that we can perform the entire application process online, that is, from any device with Internet connection and without having to waste time in waiting, paperwork or travel.

Credit cards to finance a hard drive

Credit cards to finance a hard drive

Another financial product that can be very useful for buying an external hard drive is credit cards, although it is important that we know that if we do not have one, we can take around 10 business days to receive it.

In any case, thanks to these plastics we can have a limited amount of money instantly and return it by two different payment methods . On the one hand, through full payment, that is, we will have to reimburse all the requested capital at the beginning of the following month without interest. Secondly, through the fractional payment with which we will return the capital in comfortable monthly installments with interest.

What kind of external hard drives can we fund?

We have already commented that in the current market there is a great variety of external hard drives that we can finance. However, we have decided to group them into 3 different categories so that we can orient ourselves better and, thus, be able to choose with security and knowledge what we really need:

  • Portable external hard drives : they have a small size, 2.5 inches in diameter and a very suitable design to transport them. Therefore, they are usually made of a material resistant to knocks and falls. They have a storage capacity of between 6’0 GB and 2 TB.
  • Hard external desk and NAS disks : they have a quite larger size, specifically 3.5 inches in diameter, although externally they are bigger and have a solid base to support them. In terms of storage capacity, we can usually find devices that offer from 80 GB to 16 TB.
  • Mini external hard drives : these are the smallest models, since they have dimensions of 5 cm by 5 cm, so they are similar to a USB, but with more storage, between 16 and 32 GB.

Currently, one of the best options to buy external hard drives are the online pages or the websites of large platforms and warehouses , since we can find discounts, offers, promotions and products with very attractive purchasing conditions.

5 advantages of buying an external hard drive

5 advantages of buying an external hard drive

If, finally, we decide to buy an external hard drive, it is important that we know in what aspects we will benefit, so that we can reaffirm our purchase decision:

  1. It serves as a backup to store any document or file that we want to have protected from viruses.
  2. If we have confidential information or information and our computer can be used by someone other than us, we can use the hard drive to store everything we do not want to be known by anyone .
  3. If we have stored too many files (photos, music, videos, etc.) in our computer, this may work worse, so we can move all the documents to the hard drive and release it .
  4. It can be very useful if we decide to take a trip and do not want to take the computer with us.
  5. It is very useful if what we want is to have everything organized and stored in the same device .

These are the main advantages that we will obtain if we decide to buy an external hard drive. However, we must assess if we really need it and for what purpose we are going to use it.

 

Kutxabank allocated more than 600 million in mortgage loans in 2015, 28% more than in 2014

During the second semester of 2015, 22% of the total mortgages contracted with Kutxabank were at a fixed rate

 

In 2015, Kutxabank allocated more than 600 million euros to mortgage loans in Euskadi, 28% more than the previous year, and achieved a penetration of close to 35%. During the second semester of 2015, 22% of the total of mortgages contracted with Kutxabank were at a fixed rate, and the profile of the buyer is that of couples under 35 years old, with savings of 50,000 euros requesting 115,000 euros to emancipate themselves.

These data are included in the annual report on the mortgage market prepared by Kutxabank, which last year formalized one-third of all the mortgages subscribed, in collaboration with Servatas, the main Basque appraisal company.

Among its conclusions, the study shows that in 2015 the number of people who were inclined towards a fixed rate loan at the time of financing the purchase of a house in Euskadi was gradually increasing. In fact, during the second semester of the year, 22% of the total of mortgages contracted with Kutxabank were this type of loans, which maintain a fixed and constant quota throughout their amortization period.

On the other hand, although Kutxabank had in 2015 a range of mortgage products of reference in the market, both fixed rate and variable rate, the preferred mortgage option for the Basque market at the time of requesting financing for the acquisition of a floor continues being the traditional one of variable type referenced to the Euribor, modality of loan that was the chosen one in 85% of the contracts formalized during all the exercise.

As a benchmark, in other territories in which Kutxabank has an “intense” mortgage activity, the percentage of fixed-rate loans reached 26% in 2015 in the case of its expansion offices and rose to 40% in Catalonia.

 

Profile of the Basque buyer

Profile of the Basque buyer

 

Practically four out of ten mortgage loans subscribed in Euskadi by the Financial Group in 2015 corresponded to young people under 35 years of age. The strong activity of this group maintains the characteristics of the average profile of the people who decided to finance their home.

The profile corresponds to that of a young couple, under 35 years old, with savings or family benefits of 50,000 euros, and to which the entity granted 115,000 euros to finance less than 75% of the appraised value of a second-hand home.

The analysis of the mortgage loans granted by Kutxabank reveals that, by province, the highest average loan corresponded to Gipuzkoa, where the standard mortgage reached 133,000 euros, compared to 127,000 in Bizkaia. On the opposite side was Álava, with an average loan of 114,000 euros.

Most of the flats acquired by Kutxabank customers are located in the three Basque capitals. By province, in Álava, 85% of the total of the homes sold corresponded to buildings in Vitoria. This percentage drops in the case of Bilbao and San Sebastián, with 32% and 35% of the total, respectively.

Barakaldo, with 11%, and Getxo, with 5%, complete the list of municipalities with the highest activity in Bizkaia, while the localities with the highest purchase-sale rate in Gipuzkoa are Irun (7%) and Errenteria (6%).

As for the percentage financed, 63% of Kutxabank’s clients do not exceed 75% of the appraised value, and the average repayment period is 26 years, as in 2014.

 

More VPO than in 2014

More vpo than in 2014

 

The strength of the sale of second-hand free homes is another feature that remains unchanged. The average age of the acquired apartments exceeds 35 years, in the case of Gipuzkoa and Álava, and reaches 39 years in the case of Bizkaia.

In the appraisal data elaborated by Servatas it is gathered that the model of the house that is usually acquired in Euskadi is that of a flat with a total area of 78 square meters, 2.6 bedrooms, ms and a single bathroom.

It also highlights the growth in the number of Officially Protected Homes financed by Kutxabank, since the loans granted for the purchase of subsidized housing in the three territories were doubled.

Of the total operations subscribed in Álava, 23% went to VPO, while this percentage was 13% in Bizkaia and 12% in Gipuzkoa.

The report reveals that Kutxabank allocated more than 600 million euros to the financing of real estate in Euskadi in 2015 alone, with a total of 4,700 approved operations, most of them for the acquisition of housing, and 85% of the cases for first homes.

These data confirm “a clear change in the cycle” of the housing market in the Basque Country, with a “significant reactivation of solvent demand”, since the increase in the number of loans granted was 28% and 16%. % in the number of mortgages contracted.

It was in Bizkaia that a higher number of loans were contracted, although the largest percentage increase corresponded to Gipuzkoa. As for all the Kutxabank networks, the number of mortgages contracted increased 40% and 26% the number of loans.

 

More mortgage offer in 2016

More mortgage offer in 2016

 

With “rigorous and stable” criteria in its credit granting policy, the banking group maintained its leadership in the Basque mortgage market last year, with a stable penetration rate of around 35%.

Kutxabank has started 2016 by marketing a new ‘mixed mortgage’, which adds to two of the reference loans of the market, the fixed rate and the variable rate. In this way, it has completed a range characterized by “broad flexibility” in terms of amortization and interest rates, which allows customers to obtain “interesting bonuses” in final prices.

One of the main advantages of the mixed mortgage is that it allows to contract a repayment period of up to 30 years and combine different terms between the fixed and variable rates, with tranches in the fixed rate from 5 to 20 years. It also offers the possibility of obtaining significant discounts on final prices, thanks to a wide range of insurance and forecast products, which the customer can combine and exchange to their liking to obtain and maintain bonuses throughout the life of the loan- Etuiipadmini2 guarenteed payday loan.

In the case of young people under 35 years of age who are planning to purchase a home, the new mixed mortgage maintains the advantageous financing conditions, as well as the reduction of certain bonding requirements. In fact, Kutxabank assigns to its younger customers an automatic deduction of 0.25% in interest rates, regardless of the products they keep contracted with Kutxabank.