How to Take Credit?

Credits have become very popular in our country, and, perhaps, all over the world. After all, most people save money at all do not know how, or they can, but they want to receive this thing now and then. Currently, you can take anything on credit, and phones, and a car, and an apartment. Unfortunately, not everyone understands all the intricacies of lending, and because of this, they get a lot of money, which is given to an already rich bank. To properly take out a loan, you need to understand a little bit about all the subtleties of lending, and there are not so many of them.

All banks have many tariff plans: high-yield, medium-profit and low-yield. A bank employee, when making a loan, always looks at a person and tries to impose a highly profitable tariff on him. The salary of a bank employee depends on a profitable loan, if the loan is beneficial to the bank, the employee of the bank that prepares the loan will get a good commission, and if a low-yield tariff is issued, the bank will receive little and will not earn anything. For different equipment, depending on the risk of the goods, there are interest on overpayment. For example, if you take a loan for computer equipment, it is unlikely that the amount of the entire overpayment will be below 26%. At least in our city, I have not seen such cases.

Many people are attracted to a loan without a down payment. In no event can you take a loan from a bank on such terms. Overpayment there gets frenzied, not only because the loan amount is larger and the overpayment is greater, but also because the bank's risks increase with such a loan and the increased risk is pawned into the credit value. Especially the probability of refusals is also greater.

Never take a loan called, for example, "10-10-10". These figures mean that the down payment is 10 percent, the loan is taken for 10 months, and the overpayment is 10 percent. Never believe it. You will be shown the amount you need to pay each month, however, if you calculate the cost of overpayment on the calculator, it will not be 10%, but for example, 30-40 and even 50%. The big overpayment is obtained because there is still such a thing as insurance and this insurance costs money. In reality, when you take a thing worth 20 thousand rubles for such a tariff plan, the overpayment will be 2 thousand rubles, and the insurance will cost 5-6 rubles, and sometimes 8 thousand rubles. So, before signing the loan agreement, pick up the phone, open the calculator and count, you are fooled or not.

I do computer repair, and sometimes I help people buy computers, some clients take out loans. Many times it was that you ask for a loan for such a tariff plan with an overpayment of 26%. Several times you ask them again, do you think exactly and overpayment will be 26%, they say that it is. And when you count on the calculator, it turns out not 26%, but 36% or even more. Therefore, never trust the employees of the bank and check everything yourself on the calculator that is in each phone.

By observing these rules and knowing these nuances will help you save your hard earned money.