Loans - familiar services in modern life.According to statistics, most people used them at least once.Buying an apartment, car and household appliances on credit - these are the services, which everyone knows and successfully use them, not to mention the misuse of credit cards or a loan.Despite this, the population constantly arise about this or that question.But the main thing for all remains this: "Is it worth it to take out loans in 2014?"
Pros and Cons
In order to give an objective evaluation and to answer the question of whether or not to take out loans in 2014, it is necessary to understand the mechanism for setting the interest rates on bank loans.The primary, and its main component - the refinancing rate of the Central Bank.Interest on bank loans can not be lower than this value.Therefore, when the inflation rate is on par with the rate of refinancing, loan funds partially impaired, it becomes advantageous for borrowers while increasing revenue in proportion or more rate securities.
unprofitable lending becomes, in cases where there is a possibility that its own financial stability may falter in the future.Long-term planning is characteristic only of the state, which receives an annual budget for the next year, based on the forecasts and calculations of certain indicators.
Should I take out loans in 2014?
situation in our country is relatively stable, despite the forecasts of possible crisis after the Olympic Games in Sochi and the addition of new territories.The only thing that should take into account a potential borrower, it's own stability in finance and their admission.
is important to understand that the currency loan in any case must be the same income.Then fluctuations had little effect on a conditional loan for you to rise in price (with a decrease in the value of the ruble).
have in mind the following: if the money in the debt was issued in euros or dollars, and the income you list in rubles, whereas during the growth of the exchange rate increases the cost of credit.For borrowers, this means an additional overpayment.
What Sberbank offers to borrowers?
Loans Savings Bank in 2014 are numerous.In the summer - vacation time, - Sberbank offers a new product with a reduced interest rate (from 14.5%).These consumer credits in 2014 can be obtained at the offices of Sberbank.They are issued without collateral (if interest rates are higher - by 15.5%) and natural persons bail.In the presence of the guarantors of the loan amount can be up to 3 million rubles for up to 60 months.
Should I take out loans in 2014, for example mortgage?Current year in mortgage lending remains as profitable.Lower interest rates are not expected, as the cost of housing is growing.Mortgage can be seen as a kind of installment plan with an eye to the future value of the property.Yes, a significant overpayment, but by the time of repayment of the mortgage, you will not feel it.If we analyze the price rise in the past 14 years, you will see that the price of apartments increased by 2 times.Therefore, at the time of repayment mortgage your apartment will be worth the money that you paid.
Mortgage young families
Savings Bank has developed a special mortgage program - youth loan for an apartment.2014 made some adjustments to its conditions.Until the end of June 2014, there are low interest rates - from 10.5% a year.Basic interest rate for the loan from Sberbank is 12% per year for accredited buildings, the developers have previously concluded an agreement on the maintenance of its facilities Sberbank.Such cooperation is beneficial for all - the bank receives borrowers, and those in turn, reduced rates on mortgage loans.And the developer sells as quickly as possible all the apartments in the new house.
The main feature of this product is the mortgage:
- Age of spouses less than 35 years.
- family can be in the state list for the improvement of living conditions.The government pays part of the cost of their new apartment.
- Spouses should have enough to pay the mortgage payments joint income.
approval from the bank is much more likely, given the revenues not only families, but also their relatives.Attraction sozaёmschikov possible.Maximum number of them - 4 people.If a family has children, or a certificate issued by "mother's capital", it will increase your chances for a mortgage.
other credit products
What about car loans?Should I take out a loan in 2014 to purchase a car?Arguments in favor of this loan is not as strong.Machines, unlike property eventually only become cheaper.Interest rates on auto loans are not as high and the average ranged from 8 to 15%.Vosmiprotsentny loan can be obtained for the purchase of a new car at certain car dealerships, as the proposal is stimulating demand.
A maximum 15 percent rate in the Savings Bank are paid at the standard car loan program.Her conditions are more loyal.So, you can buy a car from a private individual, that is used, or buy a new one, but from the category of expensive brands.The price of the car has to be more than 750 thousand rubles.Therefore
loan to buy a car is better to issue a short-term - up to three years.Then, the overpayment will not be significant compared to the decrease in the cost of cars during this period.Each year, the use of the car takes on its sale value of about 10%.Real estate, on the contrary, only more expensive over time.Reducing its value, analysts do not foresee.
