Shortages remained in the last century, you can buy anything you want, and how much you want. Money is simply pushed into your pocket packs. And virtually every major supermarket BT on behalf of its members begging to buy it its good, do it in installments right here and now. Clouded with emotions the mind does not manage to reduce the debit with the credit - the emotions win, and with them and those who signed the deal with you.

One student at Kiev University, laboring in the state-owned companies, received $ 200 a month. However, this did not stop her to change an outdated model of a modern cell phone, which costs $ 350. Purchase flew a lot of money: she took out a bank loan for one year, 60% of the overpayment, ie, instead of $ 350 to obtain all 560. ! But this entire 4 months of work! But such a stupid student justifies the fact that the money she spends on the phone immediately, but will pay small amounts. Not very nice consolation ...

Student did not grieve about it, just as not going through because of overpayments almost every second inhabitant of the Ukraine. Lending program radically change the situation on the market. If in the year before, the consumer generally hesitated to take credit for the purchase of BT during the holidays, including New Year, but now the season has ceased to have meaning. And the poor and the rich stand in a queue for loans, and if such a flow must be bulletproof, not to succumb to the general mood.

For example, one manager and economist, middle-aged just can not stand to be someone with something bound to, but walking was not too satisfied. To buy a Mitsubishi Lancer car needs about 12 thousand dollars. Thought of everything, the manager and economist takes the credit for 7 years in which monthly payments will absorb 20% of the family budget. Motorist wants as quickly as possible to repay the loan, citing psychological reasons podnachivayuschey to this, the installation take only that amount that he can not give longer than 2 years. For example, he never dares to take the moral burden to pull a 30-year loan for an apartment, arguing that low-income families - 1,3 thousand dollars a month. Here at 5 thousand, he would be willing to negotiate with the bank to take a mortgage. So far such reasonable examples not so much, rather, is in short supply. For the population, yet not strong mentally, such strumming loans threaten the social and economic upheavals.