How to get a bank loan and get the money
How to get a bank loan and get the moneyHave to borrow money in the life of each of us. In this case, our lenders may be our relatives, friends, business colleagues, or specifically for the institution, including banks.
How to take out a loan in order to timely and fully get it back?
Rate offers banks
Choosing a bank, which you plan to take a loan, you need to carefully examine all the proposed conditions in the credit market. In this case, in addition to the annual interest rate is necessary to pay attention to a number of other important conditions that may facilitate or complicate the use of credit, as well as a significant impact on services for its use.
1. Commission payments
Commission payments - is a percentage, which the bank takes for loan processing and (or) for his service. These payments may be one-time and / or paid monthly, significantly affecting the total amount you pay for the use of credit.
2. Notional amount
It is very important what kind of scheme for the calculation of interest on credit bank uses.
There is the option of calculating interest from the original loan amount, and is - the amount remaining debt. The second option in this case is much cheaper.
Just as an option worth considering no access to credit, a credit line. In this case, the percentage will be calculated based on the actual amounts spent.
3. Bail
The main types of loans are loans for house purchase, car purchase and consumer loans.
In the first two cases, the key is purchased property (apartment, house or car).
When making consumer loans may be possible: to pledge, with or without surety. In this case, you should also decide for yourself what you easier and more profitable. In the presence of collateral, which could be a car, jewels, bullion, jewelry, securities, etc., the maximum loan amount is greatly increased. Offering estate secured loan, you need to consider that banks will appreciate it for 20-50% less than the actual value in the market.
4. Coupon Debt
Different banks have different repayment terms in equal amounts or as a differential payments.
If you take a short-term loan for a small amount, it does not play a big role, but if your loan is a long-term and large, should give preference differential payments. In this case, from one month to the amount of your debt, as the interest on it will decrease.
5.Trebovanie insurance
Some of the banks as a condition put forward the need for life insurance, disability, etc., which also increases the costs of registration of the credit.
6. Penalties for early repayment
Banks are interested in so that you get the most amount and pay it as long as possible. So, on the one hand set a lower interest rate on long-term, and many of them - and the penalties for early repayment amounts.
7. Bank or a store
Very often, you might be offered a loan to purchase goods in stores or shopping malls. If you purchase a large item to be in the most profitable bank and, after spending a bit of time to issue the credit directly.
8. A bit of credit card
Credit cards are a very convenient way to get quick money.
However, processing this type of loan is also necessary to consider such factors as the method of interest calculation, for cards, required amount of monthly repayment.
Speaking of mandatory payment, please note that only the minimum amount of repayment in the end is much more expensive than if you make monthly anymore.
Assess your capabilities
"You take someone else's, and for a time, and you give your all" - this popular saying accurately reflects the nature of debt.
It's easy to take the money and not always easy to give them up.
Therefore, before borrowing, first of all, you should thoroughly assess your capabilities. Calculate your monthly revenues and expenses, and determine whether you have enough money, if you're part of the monthly income to repay the loan.
It is also possible to calculate exactly how much you can give away each month and, therefore, how long you have to live, "tightening the belt".
You can now search the lender or to take steps to increase their own income.
How to take out a loan in order to timely and fully get it back?
Rate offers banks
Choosing a bank, which you plan to take a loan, you need to carefully examine all the proposed conditions in the credit market. In this case, in addition to the annual interest rate is necessary to pay attention to a number of other important conditions that may facilitate or complicate the use of credit, as well as a significant impact on services for its use.
1. Commission payments
Commission payments - is a percentage, which the bank takes for loan processing and (or) for his service. These payments may be one-time and / or paid monthly, significantly affecting the total amount you pay for the use of credit.
2. Notional amount
It is very important what kind of scheme for the calculation of interest on credit bank uses.
There is the option of calculating interest from the original loan amount, and is - the amount remaining debt. The second option in this case is much cheaper.
Just as an option worth considering no access to credit, a credit line. In this case, the percentage will be calculated based on the actual amounts spent.
3. Bail
The main types of loans are loans for house purchase, car purchase and consumer loans.
In the first two cases, the key is purchased property (apartment, house or car).
When making consumer loans may be possible: to pledge, with or without surety. In this case, you should also decide for yourself what you easier and more profitable. In the presence of collateral, which could be a car, jewels, bullion, jewelry, securities, etc., the maximum loan amount is greatly increased. Offering estate secured loan, you need to consider that banks will appreciate it for 20-50% less than the actual value in the market.
4. Coupon Debt
Different banks have different repayment terms in equal amounts or as a differential payments.
If you take a short-term loan for a small amount, it does not play a big role, but if your loan is a long-term and large, should give preference differential payments. In this case, from one month to the amount of your debt, as the interest on it will decrease.
5.Trebovanie insurance
Some of the banks as a condition put forward the need for life insurance, disability, etc., which also increases the costs of registration of the credit.
6. Penalties for early repayment
Banks are interested in so that you get the most amount and pay it as long as possible. So, on the one hand set a lower interest rate on long-term, and many of them - and the penalties for early repayment amounts.
7. Bank or a store
Very often, you might be offered a loan to purchase goods in stores or shopping malls. If you purchase a large item to be in the most profitable bank and, after spending a bit of time to issue the credit directly.
8. A bit of credit card
Credit cards are a very convenient way to get quick money.
However, processing this type of loan is also necessary to consider such factors as the method of interest calculation, for cards, required amount of monthly repayment.
Speaking of mandatory payment, please note that only the minimum amount of repayment in the end is much more expensive than if you make monthly anymore.
Assess your capabilities
"You take someone else's, and for a time, and you give your all" - this popular saying accurately reflects the nature of debt.
It's easy to take the money and not always easy to give them up.
Therefore, before borrowing, first of all, you should thoroughly assess your capabilities. Calculate your monthly revenues and expenses, and determine whether you have enough money, if you're part of the monthly income to repay the loan.
It is also possible to calculate exactly how much you can give away each month and, therefore, how long you have to live, "tightening the belt".
You can now search the lender or to take steps to increase their own income.
Комментариев нет:
Отправить комментарий