Most of the population of Western countries have long been accustomed to exist in the loan, and in Russia live in debt every year becomes more and more familiar.For many people accumulate the required amount, especially significant is a daunting task - much easier to borrow.In this regard, the question of how to obtain consumer credit under the small interest on the minds of many of our fellow citizens.At first glance, it is not very difficult - to study the proposals of banks, select the number of smaller and forward the paperwork.In fact, this issue lies a lot of pitfalls.So let's understand where to take credit for a small percentage, and not tripping over unseen obstacles.
Who needs cheap credit
first is to determine the purpose for which you need money.For example, if you want to take a large loan for the purchase of a small percentage of housing, it is best to carefully examine the proposals on mortgage loans - and then bet small enough, and the repayment term is significant.
If you decide to buy a car, it is best to choose a bank, working on the program of preferential gosavtokreditovaniya, in this case, part of the interest you pay over the state.But if you decide to look for, where to get a loan at a small percentage for other purposes - repair, rest, a complete change of wardrobe or buying an expensive home appliances, then this article is for you.First of all, to examine the proposals and select the best banks, in your opinion, appropriate.If the money you need not rush - you can wait for any holiday, for example, on the eve of the New Year, many banks offer lower interest rates and a variety of bonuses.
How to lower the interest rate
In the case where you do not want to wait, you can try to reduce the rate offered by the bank.For example, low-interest loan can be obtained in the financial institution where you have framed a salary card.Reputable banks often make concessions to their regular customers.
Another way to reduce the overpayment is a good loan processing mortgage or involvement of one or several guarantors.Try as much as possible to draw targeted loans - interest rates on them are always lower.
most good way to reduce the overpayment is the opportunity to return the money as soon as possible, so before you enter into a contract with the bank, ask whether you can repay the loan ahead of schedule and under which conditions.
If you need a small amount for a short period, apply for a credit card - almost all of them have a grace period during which interest is not charged at all.Sometimes he comes to two months, more importantly, to return the money on time.
ideal contender for the cheapest loan
Get cash loan for a small percentage, subject to certain requirements is easy enough.Here are a few requirements that will lead to a positive result:
- Make credit for the minimum possible period of time;
- gather the most complete package of documents;
- give preference to target loans;
- provide bank information confirming the level of your ability to pay;
- plus will serve as official employment;
- provide liquidity to banks pledge;
- watch your credit history - neatly make required payments;
- try to work with the same bank as long as possible - be a regular client;
- if you take money for the development of the business, be sure to present to the bank a good business plan and lead several guarantors.
Where can I find a suitable offer
Today, the vast majority of people studying the issue Otomi, where to take credit for a small percentage, refer to Internet services.Indeed, the web offers an incredible amount, but this method has its advantages and disadvantages.The former is the fact that almost every site has its own loan calculator, with which you can calculate the amount of the overpayment, without leaving home.In addition, you can not only read the loan agreement, and print it out for consultation with a lawyer.Thus, it is possible to study the proposals of a large number of financial institutions without wasting time on long trips and turns.
On the other hand, via the Internet, you can not ask for bank discount and lose the opportunity to talk to a live person.Sometimes the percentage offered by the Bank, may depend on the personal experience of the manager.Incidentally, there are cases where a bank employee can offer you the option of loans for which information on the bank's website yet (for example, to talk about the upcoming advertising campaign).
Dodge banks
Now let's talk about how it always favorable low-interest loan.Oddly enough, but a small interest rate specified in the advertisement, in practice, often fabulous overpayment.
What can be considered a low interest rate?Consider a few examples:
- 1% per day;
- 11% per month;
- 10% per annum 0.8% for account maintenance;
- 16% per annum (excluding commissions).
Looking at the numbers, you might think that the lowest rate - 1%, and the highest - 16%.Is it really, let's count:
One percent of the day in a year will become a 365% APR.Many, right?And if you need a loan for 2 or 3 years?Counted?
the following: 11% x 12 months = 132% per annum.Too much.
Next we have only 10% per annum - like a little, but if we add a fee for servicing the account for the year of 0.8% x 12 months = 9.6%, as a result we get a little less than 20%.And all started so well ...
Now take the greatest at first bet 16%.If the contract does no hidden charges for the service, a variety of commissions and so on. E., This option would, in practice, the cheapest.
So that in itself has a low percentage of nothing says.To find the most advantageous offer, you need to know and carefully calculate all the costs that will fall on your shoulders.Instead of an epilogue
In conclusion, I would like to say that to find a bank, where to take credit under small percentage will not be difficult, can only be approached to this issue very seriously.Remember, no financial institution would not operate at a loss, and a loan with a small interest rate does not mean "free."So weigh the "pros" and "cons", learn as much as possible proposals.And you are sure to find the best interest rate, which will be "low" for you.
