What did you think when you take a loan in the bank?
Currently, proposals such as student loans - is no longer news.Students of higher education institutions may purchase the desired item in installments or arrange a bank loan for the purchase of a product.The student can say life is not sugar, t. To. He has cheated.To buy a car or a modern equipment, like a laptop, he can not do.
However, there are some financial institutions, where students are given credit and a quite feasible percent.But there are a number of issues.Is it safe to take on such a burden as a loan?Under what conditions should not sign a loan agreement?
student borrower
think about it, then you take a bank loan.Thought you that from month to month you need to pay the interest on consumer loans, and provided that you - the student and live by only one scholarship to a happy resolution of this situation is hard to believe.It is quite another thing, if you have a permanent job, which paid good.In this case, you may well save part of their income on it to extinguish the interest on liabilities.This measure is effective and will save you from additional expenses.
Overdue credit
It should be noted that by providing student loans, banks detailed manner prescribed in the documents of all financial transactions carried out subtleties, including the payment of a penalty to the lender (the so-called "fines").Thus, under the condition of non-payment of interest on the loan, the amount of payments on the loan will be every day to grow and may exceed the original at times.Therefore, one is not paying interest, the next time you will not be so reckless, knowing that every time penalties may follow.
goods taken on credit - unnecessary items
The result is that, by taking a loan at the bank, you can pay for the goods twice, or even three times more expensive.Banks provide loans to students, hoping for their impatience and fervor.Otherwise you could get by without borrowing, and acquire the necessary thing in the money earned by you.Not to mention the fact that postponing a couple of months of the funds to pay the planned purchase in the future, you would be precisely defined in order, so whether you want this thing or you will manage without her.Over time, a man who got into debt, catch myself thinking that the goods that by and large it is not needed, but the contract has been signed with the bank.
Credit - a headache for students
Before you agree to a proposal of this kind, like student loans, student man in the first place, it is worth considering whether it is well to prepare for the session, when his head is filled inhow and when to repay the loan to the bank.The psychological factor dominates him.Every day a student solves a lot of problems, and it is a debt obligation of moral burden.
Yes, no doubt, wondering: "Do the students loan banks?" - Can answer: of course, provide all students loans at high interest rates.
But is it worth to take them - it solves every man for himself.
decision should be taken carefully, not just a few minutes!
