El crédito fluye...


El otro día iba paseando y me fijé en el super “ofertón” que un banco proponía:

Es decir, el banco presta dinero al 8,5%, y lo señala como una oportunidad.

     Sin embargo si algún ahorrador quiere poner su dinero en un depósito a un año ahora mismo no conseguiría más de un 2.5% en cualquier banco español con sede física en su ciudad, aunque si es verdad que el verano pasado era posible encontrar cosas incluso al 4%. Está disminución es en parte debida a la bajada de la prima de riesgo en España y otro tanto al rescate bancario.
      Sin embargo vemos que si para un particular un “ofertón” es el 8,5%, además seguramente solo se dará el crédito si se tiene la nómina allí, como mínimo, más la obligación de hacerse algún seguro de vida, no me quiero ni imaginar lo que están pidiendo a las empresas. Lo que me hace contrastar con lo que se les pide a los bancos por la cantidad de dinero que se les está inyectando.
       Miedo me da pensar los tipos de interés para emprendedores.
       Conclusión: el crédito fluye, pero al banco.

Comentarios

  1. Unknown5 de febrero de 2013, 13:59

    Bueno es por eso y por la recomendación que dio el Banco de España el otro día...

    ResponderEliminar

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