percent of its products and services is growing every year, as previously inaccessible things that had delayed for years, a person can not afford the "here and now".It's enough to take a loan and pay a small monthly amount and the desired already purchased, and there is no need to wait for a long time and save money.Its logic in this argument is present, but before you run and take a loan in the first bank, which offer "low-interest" is to calculate the maximum loan amount.Then, to compare credit offers from different banks and choose the appropriate option.
You can start with the calculation of the maximum amount of the credit calculator that banks offer on their official websites.The final amount of the loan they expect very rough, but you can navigate on it.At least, you can see the amount by which you expect to fit your confirmed income.On the bank's website can be accessed with the terms of the loan and the current interest rates.Particular attention should be paid to the commission of the bank, fines, and the need for insurance.
If you are wondering how to get your loan, you will need all the data.Taking a bank a certain amount, you will get it back with interest.Interest in the differential quenching is usually calculated as follows:
Interest = (amount of debt * Annual interest rate) / 100 * 12
Do not forget to add to this amount of principal and all of the commission.Penalties banks typically impose for failure to quenching or quenching loan amounts smaller than those specified in the schedule.If you are interested in how to calculate the credit, but rather how you can ask the bank to the maximum, you can use the following formula:
SP = P / ( t +1) * the annual interest rate on the loan in rubles / 2 * 12 * 100
Where SP - the maximum loan amount, P - the solvency of borrowers, and t - crediting period in whole months.Keep in mind that this amount in each bank will vary downwards depending on the age of the client, the work experience, the presence of positive credit history, the stability of its income, the availability of insurance, dependents, etc.The client's solvency is calculated according to a different formula:
P = Qh * K * t, where
Qh - the average monthly income (net) 6 months after deduction of all mandatory charges, K - the odds, and t - Months.Compulsory payments - are taxes, child support and other payments.For pensioners as income is taken monthly pension.
For individual entrepreneurs solvency is calculated according to a different scheme.For those for repayment of the loan will come into retirement age, ability to pay will be slightly lower because "pension months" are considered to be the basis of a fixed amount of the minimum pension.
individual approach to each client, among other things, includes the application of corrective factors in the calculation of the maximum amount of the loan.
Calculate loan exactly how to make a bank is difficult.Therefore, almost all banks are strongly recommended to visit the loan officer at the bank and find out all questions on the spot.As a rule, even in the initial consultation, your loan officer can be called a real "ceiling" of the loan amount.
Before going to the bank, try to soberly assess their capabilities.Not for nothing at the beginning of this article was proposed to calculate the credit, but rather the amount that will need to be returned.Perhaps your desire to get everything at once, not dictated by necessity, just a whim.Giving money is much more difficult than to receive.
