What is consumer credit?

Even 10 years ago crediting of physical persons to Russia was a rarity, whereas today we can state the credit boom. The majority of our citizens liking "life of loan", so popular in the West. And this is logical, because in dealing with the many issues the loan can become your faithful companion.

According to surveys, half of the residents of the Russian Federation see the Bank ’s assistant and ally". 15 percent believe credit boom plus for the Russian Federation, and the other half of our fellow citizens think that the loan can no longer " + " than "-".

And why not all people have credit given? Well the reason is simple: those who are afraid to live on credit, as the argument often reminded of the famous proverb: «Took other people's money for some time, and their money gave forever". And it's 100% true. But there is 1 "but" - the meaning of loan is quite different: "what You want to get instantly and pay it later." Next, we'll talk about how much money you can take out in loans and what will need to return and tell us about it A. Sergeev, K. - employee , where, incidentally, you can get loans on favorable terms.

how Much money can I get?

Often a consumer loan is a loan in the Bank for a relatively short period of time (3 - 60 months). The "running" are considered to be loans from 100,000 to 300,000 rubles, but the Russian banks many offer them ... ... (for example, 5,000 - 10,000 rubles) and large loans (1,000,000 – 2,000,000 rubles).

the loan Amount depends on monthly income of the borrower and of the loan term. Often the Bank issues the loan, although monthly payment should not be > 40 percent of the monthly income of the borrower.

Yes, depending on your income, you can calculate the maximum loan amount that you can offer.

But, often, in order to obtain a loan in the amount of > 300,000 rubles, you will need collateral and guarantors. The key can be used: art, Antiques, transport (yachts, boats, automobiles), real estate (house, apartment, garage, cottage), securities, jewelry, Bank deposits, and copyright.

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how Much would pay?

of Course, for the use of the Bank's money you have to pay. These loan payments consist of the following parts:

the
  • Principal debt;
  • interest on the loan;
  • Commissions and fees
  • Additional charges.

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Source: http://uzinform.com.ua/

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