Some great tips for taking financial services
Banks and financial institutions are part of our lives: we trust them, keep our savings there and invest in them, buy their products that they provide and we go to them when we need money.
The main weapon available to the users of these services is the timely information. Like any entrepreneur, to make use of these services efficiently, it is your duty to be informed and prepared.
So here are a few tips for efficiently taking the financial services:
1. Compare several options
Remember that there are different financial institutions that offer the product or service you want to hire, so it is advisable that you check what fits your needs and your pocket, as well as the benefits each, can bring to you.
2. Never sign without reading
When you sign a document accepting the rights and obligations specified in there, so it is always advisable to read and understand the contents of all the documents that the financial institution will request signature.
3. Ask all questions to your advisor
Adviser or officer of the financial institution is responsible for explaining all the implications of the documents that you must sign and commitments that you take on and describe the exact characteristics and method of operation of the product or service you want to hire. Check with him all your questions, and if your advisor is not clear enough, then ask for someone else who can clarify your all your doubts.
4. Make sure you right information have been communicated
It is advisable to ensure that any information that has been supplied are correct and clear since there is often the difference between what the consultant says about the product or service and its real features and benefits.
5. Find out where to complaint
You should always ask the procedure to Financial Institution that you should follow for any procedure relating to complaints or disagreements.
6. Annexes should be in your contract
If the contract you will sign an annex as part thereof mentioned, be sure to read and that it is integrated into the contract, signing both you and the financial institution.
7. Asked by obligations
Make sure to ask all the obligations you have to meet to sign the contract for the product or service you offer and check your budget and service conditions are suitable for you and you can meet them without difficulty.
8 . Periodically check the condition
Financial institutions generally make statements about any changes that a product or service will suffer from the certain date. Please read these changes in detail. If you have any questions, come to the official of the institution to clarify your doubts.
9. Your details are confidential
Never provide personal data or passwords to people you do not know belonging to the financial institution with official identifications.
10. Apply key confirmation
If you perform operations by telephone, make sure you provide a confirmation number for the transaction. If you make Internet transactions do not forget to print your voucher because with this you can perform any procedure for clarification or complaint.
It is always possible to negotiate with your body, so do not settle for the first thing they offer. Try to improve some conditions, for example, fees and interest rates that will apply to mortgage loans and cards.
If they charge a fee that is not reflected in rates, which does not correspond to a service actually rendered or it is a service that had not accepted claims. Similarly, complain if the final terms of a product do not correspond to what was announced in the advertising or the agreement.