Bad Debt Talks

Maximum rates, minimum and average consumer loans. We have selected the most common operations or services carried out by entities not business clientele. The data in these tables were obtained commissions from a sample of entities (banks, thrifts and credit unions) that represent a high percentage of turnover of the financial system (or assets) and is considered sufficiently representative. The data set of entities that are used only for statistical purposes, both the Bank of Spain, for other organisms, which is a representative sample of the target group.

The data were obtained from the rates that institutions in their brochures published fares (which are the maximum that can be applied), so it could actually become lower than the numbers reflected in these tables.
In any case, as it is not all the entities it may be that the amounts to be tariff his organization are above the maximum values of these tables, which is not in any way mean that your organization is in breach nothing.

These tables allow you to compare what actually is taking its organization with the values that represent an industry average and maximum and minimum values. To facilitate the presentation of data in the tables below always contained a percentage (%) and minimum (MIN €). This is to indicate the following:

When the data are for commissions in the form of commission fees only, the column is blank the percentage yen MIN € column contains the corresponding figures under the title-column-average rates for amounts that committee only by the entities ( “average”), to the maximum and minimum tariffs and the standard deviation of the sample.

When the commissions as a percentage rates and minimum data appears in both columns, with those in column (%)-as the title of the columns, the average value of the shares, the maximum and minimum the standard deviation of the sample, and figures appearing under the column MIN € averages, maximum, minimum and standard deviation, but refers to the minimum commissions.