What are the loan terms?This list of requirements a financial institution, without which count on receiving the loan is not necessary.Today in the arsenal of every Russian bank has at least three groups of proposals, in which you can borrow money to buy property, a car or making a major purchase less.Each of them, in turn, is divided into two types: basic and advanced.
What are the conditions of the loan can be considered a classic or basic?These include the currency of the loan, its minimum and maximum size, the interest rate, the period during which it is planned to use the funds of the bank, type of collateral and the issuance commission.
worth noting that the terms of the loan in the bank (in any of the Russian) is very clearly define who can get it.If we are talking about an individual, it is of particular importance is the client's age, place of work and experience, the quality of credit history, solvency, and sometimes even education.
consider in more detail the conditions of consumer credit.Why these?Because this service has been used most of our compatriots.In addition, mortgages or car loans available not for everyone.It is precisely because of banking requirements.
So, to get the aforesaid loan, you need to confirm their financial situation and employment.In some cases the confirmation of something one.But more often, and the lender requires verification of both.In principle, this should be interested and the borrower, because the more instruments shalt deliver, the greater the likelihood that you will get the desired result.In certain situations, the conditions of the loan of this type involve the provision of a wide range of documents.For example, you may need proof of ownership to the customer's vehicle or an apartment.
sometimes provided some bonuses for the borrower.For example, the issuance of a credit card with a certain limit.However, we must understand that just because nothing happens.It is clear that use of the card will have to pay interest.Therefore, if you feel that you can not help but spend a certain amount of money, from such a "gift" should be abandoned.Unless, of course, the conditions of the program is allowed.
very important point is the preparation and servicing of the loan.For example, cash on hand may not be provided.Instead, funds can be credited to the card (not credit), or directly released to the account of the seller.It should also be borne in mind that the repayment can be done on or differentiated annuity scheme.On the advantages and disadvantages of each of them can speak for very long.In short, ask the bank manager to make payment and repayment of one and the other.Where an overpayment will be smaller, and the pick.
Finally, we must make sure that the terms of the loan provide for the possibility of early repayment of its obligations.This is a very delicate moment.Some banks are not directly forbid it to do.However, their intentions ahead of time to repay the loan lender must notify in advance, and even in writing.
Thus, an appeal for a loan - it is not just the ability to get funds to make the purchase, but also scrupulous work on the study of all the nuances and subtleties that characterized this feature.
