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Recently,
an opportunity to take a loan against your deposit, in which case
interest rates are low 2-4% per annum, this is obtained by deducting the
interest on the deposit.
Let's count. For example, you deposit $ 10 000 dollars, the annual interest -10%. |
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Today the situation remains the same: more profitable borrowers take out a loan in dollars.
This currency depreciates albeit small, but sure pace, not only in the
foreign exchange market of our country, but also in global markets. |
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The current
situation for the Ukrainians formed so that more profitable to live on
credit than to save money for the purchase of any product, whether it's
car or property. Inflation rates are so huge that any savings will depreciate at the time of purchase. |
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Now, there are significant shifts in the field of cooperation between banking institutions and credit bureaus. This is due, primarily, with the knowledge banks to benefit from working with the bureau. Virtually the bank receives not only an opportunity to
identify unreliable borrowers, and to rid itself of "hanging" of
credits (and hence the problems associated with their return), but
significant acceleration and simplification of procedures for issuing
loans. |
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To date, there are four credit bureaus. This is the "International Bureau of
Credit Histories", "Ukrainian Bureau of Credit Histories", "First
Credit Bureau of Ukraine" and the credit bureaus "Russian Standard". These organizations have worked with dozens of banks. |
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It is no secret that today take the largest loan in no better position than before. Moreover, it is beyond the power even for regular customers of banks that have a positive credit history for ten years. And credit conditions for such trustworthy customers are no different from the conditions provided by ordinary citizens. As you know, in order to get credit, you want to collect many documents to prove the borrower's creditworthiness. |
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This
year, all financial institutions in the country have substantially
increased fines and penalties for undisciplined borrowers. Now the banks impose penalties for the slightest offense, not provided for in the loan agreement. Increase of monetary sanctions
brings banks to a considerable revenue this year alone, according to
experts, banks have been 30 - 40% of the "easy" money in fines,
penalties and sanctions. |
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Wedding - a celebration that starts family life, as the holiday spend, and the life of the family turn out. Many, knowing this law, a few years to save up the most memorable moment of the money. And, often, accumulations of savings is not always enough to provide the necessary "stuff". In the prevailing circumstances, it is much easier to get credit for the wedding. |
One way to reduce the cost of credit is the initial fee. On its magnitude depends on the loan amount, and in some cases, loan conditions, such as a lower interest rate.
The next way - the credit for a minimum period. |
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Many people wanting to buy something, start looking for
an opportunity to realize his dream. Trying to save money. Who among
them is wise?
Let's consider the example of buying a car. Two people have decided to get in a car worth 80,000 hryvnia. |
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