As a UK guy what is the difference between 'Saldo Actual' and 'Saldo Disponible' for Spanish current accounts (say BBVA for example)

As a UK guy what is the difference  between 'Saldo Actual' and 'Saldo Disponible' for Spanish current accounts (say BBVA for example).

I'm asking because I just secured a loan today via my Spanish bank account of around 7K Euros and I've seen it go into my bank Spanish bank account just today (via transacions only), but I had before the loan around 3K Euros of my own .money.

So I am seeing 'Saldo Disponible' 3K Euros and 'Saldo Actual' around 10K Euros' but what does this mean exactly ? (obviously saldo actual is 3K my money + 7K the loan amount = 10K but what in that case does 'Saldo Disponible' actually mean ? is that the amount I can transfer to other accounts and spend via my bank card 'this month' only ?

Why is Saldo Disponible not the 7K(loan) + 3K my money ?  I'm confused !!!?!?

thanks in advance for any help and advice

Current Balance and Available Balance

I've read this on the BBVA website and it seill doesn't make sense.

https://ayuda.openpay.mx/ayuda/cual-es-la-diferencia-entre-saldo-actual-y-saldo-disponible/

What are they saying ? that 10K showing un my 'saldo actual'  is transferable immediately ? but the 3K lower (lesser) amount of that same 10K current account balance  is only going to reflect any changes 3 days later ? 

Is the 'saldo disponible'  a monthly spending limit ?  are they reflecting different transfer limits on spending and tranfer types ? say using linked credit card or spanish to spanish or spanish to UK bank transfers ?

I am utterly confused.

If you are ‘’I am utterly confused.’’ you should contact the bank to ensure you are given absolutely correct advice. 

As per Kavanagh earlier, I would say it is the difference between your cleared balance and your available balance. You are being shown the 7K arriving in your account, but it is not made available to you to spend until all the final checks are in place. It could be available same day, or up to a week later, dependent on transfer type.