Italians always feel more satisfied with their personal situation and are ready to make investments again. The main dreams lie in the world of technology and in particular that of telephony, well supported by the numerous opportunities on the market to request a smartphone loan at much more advantageous conditions than in the past.

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Compare rates online without obligation 

To reveal this dynamic we have thought about the latest Observatories curated by AstroFinance, an important company specialized in consumer credit that draws up monthly purchase intentions for Italian families. To tell the truth, the past month of August in general has been characterized by a certain contraction compared to the purchases of our countrymen a little on all fronts, but on an annual basis the results are certainly very satisfying.

Going deeper into the study, the IT sector at a general level has highlighted a negative sign at the economic level while at the trend level the dynamics of the sector appears positive, thanks especially to the desire of the interviewees to buy new smartphones. As we know, in fact, especially to buy a latest-generation phone, even quite substantial numbers are needed and many people choose to access a loan to complete the purchase. Smartphone loans fall into the category of targeted loans, that is aimed at buying a specific asset that are required at the time of the transaction directly at the store. This is a great opportunity that allows you to install the investment in installments and spread it over a longer period of time. Loans for the purchase of a smartphone have the same characteristics as a more traditional personal loan, and like this require very similar guarantees.

All those who, by necessity or desire, are thinking of completing the purchase of a new phone model also have other opportunities such as, for example, the subscription, which allows them to be purchased from the main telephone companies at the same time as the tariff plan even the smartphone. In this case, an advance and some contractual clauses that bind the undersigned to the company for a period of time that varies from case to case must be considered.

Loan estimate of 2000 euros

Financial: Sumple loan
Product: Personal Loan
TAN Fixed: 4.45%
APR: 4.65%
Loan duration: 60 months
Amount Financed: € 2,000
Total due: € 2,234

Monthly installment € 37, 24 Feasibility check 

Financial: AstroFinance
Product: “Your Projects” Credit
TAN Fixed: 8.55%
APR: 8.89%
Loan duration: 60 months
Amount Financed: € 2,000
Total due: € 2,465

Monthly installment € 41, 08 Feasibility check

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