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

What is the consumer credit?

In the sea of bank products which are offered today the population of our country, it is difficult to usual person to understand and place all in places already enough. Today we will try to explain, that such the consumer credit and as it is favourable for using.

First of all, the consumer credit is when the trade enterprise sells the goods with a delay of payment or the bank grants the loan (credit) for purchase of consumer goods, or on the payment of expenses on training, treatment and other personal expenses.

 

Than the consumer credit differs from others?

Object of the consumer credit, as a matter of fact, can be both the goods, and money for its acquisition. The consumer credit stands out banks on acquisition of various subjects of long using: it can be home appliances, mobile phones and so forth

 

How the consumer credit is repaid?

The consumer credit can be repaid by two ways: or in a single order, or from settlement payment.

1. The consumer credit with single repayment. It is possible to carry the current accounts to them, which buyers open in department stores and other retail shops for the term of 1-1,5 months. Buyers can get the goods within the given credits, and after certain term, at a time repay all these debts.

2. The consumer credit with payment instalments is the basic, most widespread form of the consumer credit in our country.

The share of retail goods turnover promptly increases, and its big part is served through various forms of the consumer credit. Using this kind of crediting, people can get earlier inaccessible goods, paying off for them gradually.

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