loans have become very popular in our country, and, perhaps, throughout the world.After all, most people save money not know how to, or can, but want to get this thing right now.Currently, the loan can take anything you want, and telephones, and car and apartment.Unfortunately, not all versed in all the intricacies of credit and because of this fall on a lot of money, which is given to the already rich bank.In order to properly take out a loan you need a little bit to understand all the intricacies of credit and are not so many.
all banks there are many tariff plans: high-yield, low-income and middle income.An employee of the bank, when you make a loan, always looking at the man and he is trying to impose a profitable rate.The salary of an employee of the bank depends on favorable loan if the loan will be profitable for the bank, bank employee, making out a loan, get a good commission, and if the issue the low-income rate, the bank will get a little bit and he will earn almost nothing.On the different techniques, depending on the risk of the goods has its own interest on the overpayment.For example, if you take a loan for computer equipment, it is unlikely that the entire amount of the overpayment will be below 26%.At least in our city, I have not seen such cases.
Many people are attracted to loan without a down payment.In no event can not take out a bank loan under such conditions.Overpayment there gets mad, not only because credit amount overpaid more and more, but also because the risks of the bank increased for such a loan and an increased risk lays in the cost of credit.Moreover, the probability of failure is also higher.
should never take out a loan under the title, such as "10-10-10".These figures indicate that 10 percent of the initial fee, takes credit for 10 months, and 10 percent of the overpayment.Do not believe it.They will show you the amount you have to pay each month, but if you calculate the cost of overpayments to the calculator, it will be not 10%, for example 30-40 or even 50%.Most of the overpayment is derived from the fact that there is still such a thing as insurance and this insurance is worth the money.In reality, when you take any thing worth 20 thousand. Rubles for this tariff plan, the overpayment will be 2 thousand. Rubles, and insurance will cost 5-6 rubles, and sometimes 8 th. Rubles.So, before you sign the loan agreement pick up the phone, open the calculator and figure out whether or not you make a fool of.
I do computer repair, and sometimes I help people buy computers, some customers take credit.Many times it was that you ask to issue the credit for such a tariff plan with an overpayment of 26%.Several times they asked, whether you think, and the overpayment will be 26% say that it is.And when he on the calculator to count, it turns out not to 26%, and 36% or more.So never trust bank employees and do all the check back to the calculator, which is available in every phone.
By following these rules and knowledge of these nuances can help you save your hard earned money.
