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Legal consultation

Barbarian Diordieva - the lawyer, an analyst.
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Money, personal finance

Beautiful life... On credit

For свершения hopes and long-term plans it is possible also «to live any short time on credit». It is not necessary to be frightened this expression, more truly, the sense put in pawn in it: to go in debtors, constantly to feel a strong press of not paid large sum … All not too terribly and hopelessly. Indulge in pleasant dreams of is better more often you will have what first-class things for the sum of this all-powerful credit. And not only dream, and operate – resolutely and after careful consideration.

Wish to have «the corner» - buy suitable apartment on credit. Having behind soul only percent 20-30 from its full cost, you can safely prepare for house warming, have fun in a circle of friends, feeling itself absolute masters of a cosy nest, and on an extent only ten years gradually to pay off for habitation. Time, believe, will fly by quickly, still to it to last, if the life in the apartment is filled by happy events, every day, well, can, and is more rare, will be in pleasure.

Council: pay attention to term of the offered credit. The it is longer, the the requirement to level of your incomes and less sum of monthly payment will be softer. One more important point - is better to take the credit in roubles: though interest rates and above, inflation as it is impossible by the way, can "eat" a debt part. Its "appetites" to you on a hand, agree?

While it was a question of a positive side of the credit for habitation. But there are also other aspects of a problem. First, you do not become the full owner of desired apartment, yet will not return to the last рублика a debt. Even more unpleasantly that the bank can give up absolutely to you in the credit or will increase the debt interest rate. As a rule, giving to clients the mortgage, banks demand, that they have insured the life. But also here you can benefit, having issued the contract of memory life insurance. It represents as a matter of fact the long-term contribution – the borrower grants stage by stage the insurance sum, and after the termination of term of the contract the company returns it, but already with percent. Payments paid by you share on two parts – one goes on insurance actually lives, the company puts another in the action. Certainly, a heap of money on it you will not earn, but benefit that not only the saved up means remain, but still and the small income is due to you in 2-6 annual interest rates in currency or 10-12 percent in roubles.

Wish to have own car? Well, borrow money and means of transportation - your property. Autodealers and banks render service of the so-called return repayment – biyback. Easier speaking, it is similar to usual purchase of the goods by instalments: having paid the first payment, you can free leave on the newcomer авто, and the remained sum will stably bring within two-three years. Too, in general, short, it is possible and to suffer term. And it yet all. Отъездив on the car the stipulated term, you rightfully can hand over it in salon and receive the credit (including residual cost of the car) … on the new car. Such variants are offered also: to pay last payment and completely to redeem the car or simply to hand over to its dealer on account of last payment. In a word, the choice of a way to get car by instalments for you.

Life on credit, of course, the period responsible and to much the obliging. After all in case you will break terms of clearing of the credit – it is necessary to pay пеню and if will try to "forget" about the received credit, your property can be arrested and to you judicial police officers will welcome. Besides the bank will bring your name in the special interbank register "unreliable", and from it the moments of a door of other banks will appear for you closed. So taking the credit, be in earnest about monthly payments.

At this time try to dispose reasonably of the incomes (considerably reduced), be able to save, refusing to itself in habitual expenditure on сладенькое, superfluous одёжку and other small pleasures. Saving on small, will win on the large. The apartment bought on credit, the car, a fur coat and other beautiful things still as stand your patience and endurance. And it is even better, if you find additional earnings and will earn additionally «for the sake of the great purpose». Then both the purpose will justify means and laziness cannot take you in the captivity.

Term of payment of the credit has property to come to an end, you to it by all means hold on, living quite happily and owning expensive beautiful things. In a word, wish to live beautifully, try and use all possible chances!