Take a loan now or not. Is it profitable now to take a loan. reasons why not take loans

Mobility, comfortable and fast movement around the city, freedom of trips: The advantages of the presence of the car are obvious to everyone.

Few ready to pay for a new car immediately, several million or hundreds of thousand rubles for most Russians - a large amount. In this case, people usually turn into banks.

Should I take a car on credit? What problems can it turn into a car owner? How to take a loan with minimal risk for yourself?

When buying a car, it is necessary to remember that loans favorable buyer does not happen and what is most profitable - full payment when purchasing.

If you decide to take a car on credit, but do not know how to do it profitable, consider a number of useful tips:

How much does car loan really costs, the bank's website will not answer you: for this you need to prepare a package of documents and contact personally.

The consultant calculates the cost, taking into account the bet that you can be offered in terms of income, taking into account the amount, the term, brand and state of the car.

Only then will you learn, under what conditions you can take a car loan, and how much will have to overpay for the car.

Take for the example of the car loan program VTB24, there are many - "Driver", the state program of subsidizing car loans, "freedom of choice", "Auto-Relationship", "Car loan with residual payment".

The percentage rate dimensions differ in each program (from 5.5 to 11.9%), as well as the sum of the initial contribution (from 0 to 20% and higher), and the amount of the loan (from 1 to 7 million).

Programs, of course, are different, each of its requirements and features, and the bank indicates its criteria with the formulation of "from" such a sum or the term, which is quite difficult to obtain in reality.

But at the same time, the minimum rate on consumer loan is significantly higher than minimal according to any car loan and ranges from 15%. This is one of the banks with harsh requirements for documents and income confirmation.

Let's look at another bank, for example, Raiffeisenbank. A couple of years ago he had an extensive car loan offer with the possibility of purchase: foreign cars, domestic auto, new or used, in an informal dealer, with reverse redemption, with refinancing.

The rates descended to 5% in the car loan, while maintaining 12.9% on the most profitable consumer. Attractive! But now the bank turned all the car loans - on the official website, all pages on this topic are removed.

It remains to assume that risks for the bank under such conditions turned out to be more than the potential benefit.

A bank with "soft" requirements will offer a bet higher than the Bank with strict requirements for documents and confirmation of income.

For example, the Eastern Bank offers car loan on the day of circulation, with a sum of up to 1 million, without a hull, for cars with mileage, with a minimum package of documents. Look at the rate: 19%!

Answering a question whether to take a car loan in 2019, let's say: it all depends on the bank. Please note that if earlier such proposals were almost every credit organization, now many have refused to provide these loans.

On the official Sberbank website, you will not see programs designed to buy a car.

For car loans, banks usually require:

First you need to apply for a loan and submit all the necessary documents.

Consider them quickly - in 1-5 business days, then a period is provided, during which you can use the approved application. If the term is passed, you will have to go back to the full package of documents.

Purchase itself occurs in stages. When it is a new car, it is usually 5 steps:

1. Selecting the cabin and car.
2. Conclusion of sales contracts on lending and insurance.
3. Credit registration and transfer of cars secured.
4. Payment at the expense of the cabin.
5. Accepting machine on the act.

When purchasing a car on the "secondary" market, the number of stages and participants increases. The bank will not approve the transaction and will not provide money if 2 individuals are involved, so this operation is carried out through the salon or other organization. The mediator will naturally require its percentage.

Each salon offers to check out the purchase of a car on a loan: there is necessarily a representative of any bank.

Treat such proposals should be with great care: usually interest rates on such loans are several times more than rates on car loans of famous banks. The only advantage is the speed of the purchase - all actions are made in one day.

If you decide to agree, carefully examine the documents offered for signature, pay special attention to the payment schedule, the amount of overpayment, insurance conditions, penalties when passing the payment.

Regarding insurance, we note that the law allows the car owner to choose the insurance company voluntarily. At the same time, banks, and the salons, usually insist on the insurance specified by them.

Plus, purchases in the showroom can be additional marketing programs. During their account, you can get a discount even when buying on credit.

Many are selling closer collections by the end of the year, many provide additional services (suspend free), cache teks, affiliate programs, etc.

Well, if such conditions are, but it is necessary to evaluate them objectively. If the amount of the discount is 50 tr., And the overpayment amount when lending in the cabin - 250 tr., Maybe it is still worth contacting the bank?

Sometimes the salons offer a purchase on installments or interest-free loans. They also need to take suspicion. Often, sellers are resorted to such tricks to "disguise" a significant increase in the cost of the car itself or sell insecurity goods.

Installment without paying interest is a truly advantageous offer.. But first make sure it is transparency and note that:

• until the final calculations, the machine remains in the property of the cabin, if the installment is decorated as an interest-free loan;
• with the slightest violation, the owner can pick up the car back;
• usually there is a significant initial contribution - in the amount of 40-50%.

A comparative innovation is the buy-backing system, which provides for deferred debt repayment and the possibility of redemption of the car interior back.

This scheme usually present a slightly confusing calculation system.. Part of the amount is paid equal to payments monthly, and the other part is with a significant delay or on other conditions.

In fact, the car is taken into temporary use, for which the monthly fee is paid, and later the deadline, the user can sell the car back, and close the debt to the loan residue from the sale.

The option is not always transparent, but it may be interesting to those who like to change cars or the vehicle is required for a certain period of time.

It should be understood that the car always risks being damaged in an accident, stupid, scratched, etc. And such a product is not always possible to "pass back."

You can not return the car: if the owner likes it, he can leave it, pushing the debt under the established conditions.

Eventually

In buying a car on credit lies a lot of risks and nuances. Therefore, if you have the opportunity to buy a car without car loans, it is better to use it.

The main rule of the loan: do not take it if there is a risk to stay without income and get into the debt hole!

When making a loan, it is better to choose a reliable bank, carefully study its conditions and compare them with other offers. Also follow when choosing an insurance company.

In most cases, car loan is preferable to consumer. All subscribing documents must be carefully read, in this matter sometimes it is worth enlishing the support of professionals.

For interest-free loans and installments, as well as to rapidly design a loan in the cabin, it is necessary to approach with great care and not to make thoughtless purchases.

Video: Credit in a bank or car loan?

Credit can be both useful and harmful if it is not applied by appointment or is not suitable for a human situation. It is impossible to say that a loan is evil. It often happens that you can earn or save your money. Especially for comparable to.ru Financial adviser Natalia Smirnova talks about five cases when they are profitable.

1. When inflation is higher loan rates

Using a loan, when the price growth rate of a certain product is higher than the cost of the loan, and the profitability of conservative tools in which you could accumulate to the desired purchase (for example, deposits), lower than the price increase. A classic example is to use with a grace period when the Bank does not accrue interest within the grace period. Or the use of interest-free installments.

For example, you are planning to make a small repair for 200 thousand rubles. During a couple of months. You can either buy all materials immediately on a credit card, or - to buy gradually, or - postpone the repair until you accumulate the right amount. During the year, you chose materials during the year and saw that on average for the year prices are growing by 12% (i.e., 1% per month). If you pay now - it will be 200 thousand. If you pay 100 thousand now, then after a month you will have to give 101 thousand. Those. Repair will already cost you 201 thousand. And if you save, then after 2 months, the repair will cost 202 thousand rubles. And if the contribution rate is below 12%, then save you less profitable than buying now. Moreover, if you have these 200 thousand, then you are not more profitable to spend them, but to pay the card, put these 200 thousand. At least by 1.5-2 months. (Depending on the term of the grace period), and after 1.5-2 months. You will return to the bank of 200 thousand, and yourself leave the percentage of the contribution.

It is important: to predict the rise in prices is more than a year for the crane is difficult, so this option is applicable only for a short time in several months, and ideally - only with a credit card with a grace period, where the zero cost of the borrowed funds.

2. When there is a sharp devaluation

Using a loan in the case of a sharp devaluation of the ruble (more than the cost of borrowed funds), especially if you want to buy something that attached to the course of a stronger and stable currency.

For example, you want to go on vacation at the end of the year, and the vacation is not planned in the Russian Federation. You can pay for the tickets in advance, but then you will need to take a loan or use a credit card, or save so that at the end of the year you will pay everything from your own funds. If it were 2015, and the case happened in the summer, it would be possible to assume that in December, which was then the biggest payment on external debt in the currency, you can expect a ruble drawdown. If you were saved on the ruble deposit in the fall of 2015, then in December the amount could not be enough for a vacation, because The ruble requested significantly (from summer to December 2015 by 30%) than% by deposit. If you took a loan in the summer of 2015 and paid completely vouchers, they could then repay the loan until the end of the year. Overpayment would be insignificant compared to the rise in price of the dollar by 30%.

Important: This is a very risky option. With currency fluctuations, you can not guess, so this scenario is ideal only for purchases for a couple of months. Forward, and the cost of the loan must be minimal, ideally zero (credit card), and you must be 100% sure that pay out a loan as quickly as possible, And he does not stretch for years with the corresponding overpayment. If you have the right amount to purchase, then you do not need to take a loan. Option with a loan - only if you do not have the right amount and you are afraid of a sharp depreciation of the currency in which you receive income and postpone money.

3. When you can earn a difference in interest

Using a loan when you can make money on investment tools more, but with reasonable risk. For example, many of my customers who had loans at the end of 2014, I recommended them not to extinguish, and pay free funds to deposits under 20-22% per annum, which became possible after increasing the key rates of the Central Bank. Of course, I compared the overpayment of the loan and the total earnings on the deposit and, if it turned out that the contribution you can earn more, we instead of getting rid of loans discovered the contribution.

Important: It is important to understand the risks of investment tools so that you mistakenly did not consider aggressive tools conservative. For example, so that you do not decide to send all accumulations on Forex instead of repaying the mortgage.

4. When the loan is more profitable for rent

Using a loan if it is unrealistic to accumulate in a reasonable time to accumulate, and it is vital, and the rental is incomparable with the size of the loan payment for this object. For example, you choose between 45 thousand rubles / month. and mortgage for 50 thousand thousand / month. In the event of a lease - you will eventually not be owned by real estate, plus you are not insured against the rise in rental prices. In the case of mortgage, payment is the same loan period (or even decreases) and at the end you have an asset.

Important: You must be confident in the stability of your income and have a serious reserve fund, in order to prevent delay during the loan period and not lose the collateral (of the very object to which you have taken a loan). And yet - the object should be really necessary. Buy on credit an apartment, if you are not sure that you will live in this country in 2-3 years, is not the best idea, because You are overpaying on the loan for the asset that you do not need and are not a fact that its growth in price will block your overpay.

5. When a loan is an alternative to selling property

Using a loan instead of an urgent sale of available assets when money is urgently needed if urgent sale will lead to the depreciation or drawdown of assets greater than overpayment on borrowed funds.

For example, you have accumulations of 100 thousand rubles. in cash and 500 thousand rubles. In Russian blue chips. And now you urgently need 300 thousand rubles. Recall 2008: From September 2008 to March 2009, the Russian market asked 80%. Suppose these 300 thousand. You needed just in March 2009. Of course, it is wiser not to record a loss, but to take borrowed funds, wait for the rebound and repay the loan.

Important: To avoid such situations, a reserve fund is needed in the amount of 6-12 month expenses. Plus - you must be sure if you take such a loan that you can pay it throughout the term, because perhaps you will not be able to sell assets until the end of the loan period to pay it ahead of schedule.

As you can see, on each item there are reservations and clarifications, which once again confirms that there is no unambiguous recipes, everywhere you need to act on the basis of the situation, clearly appreciating all the risks associated with the use of the loan.

When you take a loan, you are somehow doing the calculations - what will be the payment, how much will I calculate and how much money will I give a loan?
You come to the bank, make a bid for a loan and according to the results of the bank says that your salary is not enough for a loan for 1 year. You can take this loan for 3 years, while the monthly payment will be less.
Cool - you think. But there is a small nuance - a loan overpayment if you decide to take a loan for 3 years will be more.
And more than 3 times. I'll try to explain this on the example of a consumer loan.
Consider a loan per 100 thousand rubles for 20%. This is a typical consumer loan in the homecredit bank.
What time to take a loan? - you ask. For a while better. Overpayment will be less.
If you calculate this loan with annuity payments for 1 year using a credit calculator

In case we take a loan for 3 years, we get

As can be seen from computing, overpayment of loan in the case of 3 years more than overpayment for 1 year

33781.81/11170.38 = 3

When is a loan for a long time more profitable?

Let's turn to Mathematics: Borrow for a longer period without early repayments is not profitable. Percent for 3 years will run more than 1 year. With the same rates, this rule is always valid.
But there is one exception. This rule does not act if you expect a loan ahead of time. With early repayment, you close the loan agreement and cease to pay interest. The question arises - when better to pay a loan ahead of time?

Consider the case when the loan for 3 years will be more profitable than the loan for 1 year.

To do this, refer to the payment schedule for 3 years

We need to find a month after which the amount paid percentage of loan 1 will be less than a loan 2.

The amount of overpayment on the first loan \u003d 11170.38

Consider payments on the loan for the first 7 months

1696.83 + 1659.78 + 1520.11 + 1587.74 + 1501.62 + 1514.16 + 1429.21= 10909.45

Thus, we will pay the same amount of interest on the second loan, as for the entire period of the first, but only for 7 months.
To be more profitable for the second loan, you need to pay off the loan until 7 months
I will illustrate it on the payment schedule. Suppose we were repaid after the balance of debt on June 15, 2012. As a result, we obtain the following loan repayment schedule:

As can be seen in this case, the overpayment of the 2nd loan will be less than the overpayment of the first

10909.45 < 11170.38

But I repeat again, you need to correctly calculate my strength. All the same, it is more correct to take a loan for a shorter term. How long is to solve you. You should still estimate a monthly payment.

Bank offers for different dates

How long to take a mortgage?

Data arguments are valid for consumer loan. For mortgages, this principle also acts, but for a mortgage loan, you can make a tax deduction. And the means themselves obtained in the form of tax deductions can be used for early repayments. Those. It is more profitable to take a mortgage for a longer period. In this case, in general, the overpayment will be higher, but if it is correct to do early repayments - you will only win.
It should be borne in mind that there are different types of early repayments - in a decrease in the period and to change the amount of the principal debt. These calculations are valid in case of early payments in reducing the amount of the principal debt.

With contributions to a decrease in the deadline, you just need to be overpaid using the calculator specified above and compare loan options. At a smaller overpayment, you can choose the most profitable loan. However, the hidden commissions and payments should be feared. The loan agreement is the main document when issuing a loan. Careful reading a loan agreement will save you from problems in the future.

Let's talk about is it profitable now to take a loan. In this publication, I will consider all aspects of obtaining a loan during the pre-crisis or crisis state of the economy.

Now we will apply it to today's situation, when in our countries it came to some extent: somewhere it is completely prevailing, and somewhere just begins. Is it profitable to take a loan today in the current situation? Let's try to figure out.

1. The crisis is more difficult to take a loan. The more serious crisis phenomena, the more banks and microfinance organizations turn their lending programs. We remember 2008, when long-month lending was almost completely discontinued, it is likely that we will soon observe something similar (somewhere we are already observed).

2. The crisis loans are more expensive. As you know, the offensive of the financial crisis is always accompanied by a sharp increase in the share of problem loans in the assets of any bank, risks for credit institutions increase significantly, and therefore the risk fee is laid in the cost of credit products. Is it profitable now to take a loan in the financial plan? Definitely - no.

3. The crisis is more difficult to return the loan. In a difficult and unstable economic situation, the loan is more complicated not only to take, but also to return. Here you will almost inevitably come across a decrease in income, increasing costs, deterioration of the general financial condition, and possibly - and with more serious problems, for example,. All this will very much to affect your solvency, you may not be able to repay your obligations at all, as a result - you will have, and access to loans will be blocked for many years. Reflecting on whether it is profitable to take a loan, think: is it worth risking so much?

4. In the crisis, most goods are becoming more expensive. On the other hand, thanks to the hryvnia and other national currencies, the price of those products can very significantly increase, for the purchase of which you created savings (cars, household appliances, furniture, building materials, etc., that is, the whole thing is closely connected With a currency rate). Thus, there may be a situation where to take a loan to buy such a product will be more profitable than to continue to collect for this own funds, as it all will rise in price more than you have to pay on the loan. Thinking about whether it is profitable to take a loan now, analyze: how much the price of the goods you need can change - this can serve as a very significant factor in favor of lending. However, do not forget about the minuses described above.

5. But something can cheaper. For example, real estate, namely, its price, expressed, as often happens, in currency. Especially if, before the occurrence of crisis phenomena, the price of real estate, as it is also often happening, were too "bloated." When the solvency of the population falls sharply, and it is still necessary to sell, prices may fall, and even quite substantially (depends on the "depth" of the crisis and on how the prices have been overestimated to this). Therefore, if, for example, to take, it may be that you will gain real estate at a disadvantage price, besides, with a huge overpayment arising from the loan.

In addition, it is always dangerous to buy on credit the latest high-tech goods, quickly lose its cost, and the crisis period is not an exception.

6. The crisis can well earn on speculation. And finally, you can consider with the help of credit funds. For example, on the same jumps of exchange rates, during periods, when the rule applies, "tomorrow is always more expensive than yesterday." To do this, be perfectly used with a grace period or even without that. The main criterion of choice is the minimum commission for cashing credit funds. The scheme is simple: removing the most affordable credit limit, we buy currency on it, we are waiting for several days and sell more expensive than bought, after which the loan expects, leaving itself a speculative profit.

However, such actions require good analysis and forecasting skills, adequate risk assessment, which will make it possible to choose the most favorable days (and sometimes hours) to make operations). In a person far from the financial sphere, it may not work: it will buy a currency at the peak of her course, after which the course will fall, he will remain with the currency that has lost in price, and even with a loan that needs to be repayed, and The more pull with repayment - the more you have to give. The situation is not from the lungs. Therefore, thinking about whether it is profitable to take a loan with similar goals, adequately evaluate your financial abilities. By the way, it may even be a professional, because it may arise that it was impossible to foresee, the risk is always necessary and the report should be in this.

I reviewed the main aspects that will help you decide whether it is profitable to take a loan now.

If you want my opinion, then I believe that for a simple ordinary man - unprofitable. It is very high risks that, in combination with an increase in the cost of credit resources, the already unfavorable credit programs do not cost those small benefits that can be obtained from this (and you can not get).

At the same time, people who are perfectly focused in the financial sector, of course, in most cases will be able to learn their benefits from the crisis and lending.

Thus, is it profitable to take a loan - decide for yourself. The main thing is to adequately evaluate your capabilities and do not take decisions under the influence of emotions (like "Oh, now everything will rise in price, and I will not have time to buy, it is necessary to urgently ..."). Consider and evaluate the risks - this is the key lending rule, which in a crisis or a pre-crisis situation only becomes even more relevant.

Stay on, increase your financial literacy, learn how to use personal finances competently and profitably. Here you will find a lot of interesting and useful material. To new meetings!

To issue a consumer loan today is quite simple, but here to take a favorable loan much more difficult. Let's figure it out in numbers, how it all is profitable to get a consumer credit in the bank. For example, we assume that you are planning to take a loan in a bank in the amount of 1.5 million rubles under 17% per annum for a period of 5 years. The total overpayment amount is 736.7 thousand rubles, and the monthly amount with an annuity payment - 37.3 thousand rubles.

If your credit provides for payment of the first installment, try to increase it to the maximum. Usually we are talking about a standard payment of 10-15% of the purchase price, but already with a 30% contribution of the loan rate is reduced.
On our example, even a decrease in the rate of 1% of the loan entails a reduction in the size of the monthly payment by 850 rubles per month, and the overpayment for a loan of 45 thousand rubles.

If for some reason you miss the repayment of the monthly payment on the loan, the bank has the right to apply the penalties, the size of which is listed in the loan agreement. Such fines will only increase the size of the subsequent monthly payment for you.

The faster you extend your loans, the more save on the payment of interest to the bank and reduce the credit period. For example, if after six months you want to repay your loan ahead of time by 50 thousand rubles, then your payment will decrease by 1,700 rubles and will be 35.5 thousand rubles per month.

You must understand, under what conditions the bank gives you a loan. A detailed study of penalties will allow in the future to avoid unpleasant "surprises" from the lender.

The most favorable terms of credit institutions offer in the presence of a pledge or guarantor at the borrower. And those 17% per annum, which you plan to take a loan may change, for example, up to 14% per year. This entails not only a reduction in the total overpayment of a loan to 142.6 thousand rubles, but also a decrease in payment up to 34.9 thousand rubles per month, which is 2.4 thousand rubles less than in our example.

This approach to obtaining a loan will allow you to independently regulate the overpayment amount on it. On our example, it can be seen that over 5 years the overpayment amount is 736.7 thousand rubles, but if you change the calculations to the side of 3 years, the amount decreases to 425.2 thousand rubles. If you understand that you can master the payment of 53.5 thousand rubles per month on the loan, then you should not overpay interest the bank.

A loan of 1.5 million rubles is a big amount, therefore it is worth considering all the options for banking proposals on the credit market. It may turn out that another institution offers a lower rate even without providing a loan. To do this, you can choose to calculate the Consumer Credit Calculator of the Bank, which is on each official website of the institution.

Such a decision will allow you to find out which bank offers the best interest on the loan consumer so that you can choose the best option.

As a rule, if your employer has issued a salary project in a bank, then you have all consumer credits rates reduced up to 1-2% per annum. You not only get a cheap loan, but do not collect a complete package of documents, as the creditor information has already been available at the creditor. For example, a consumer loan in Sberbank for participants in salary projects for the purchase of housing can be taken under 9.8% per annum.

Currency loans for interest rates are below ruble by 3-7% per annum, which significantly affects the payment on the loan. But if you receive salary in rubles, then currency risks can level all the benefits of the transaction. When raising a course of currency, your payment also grows in geometric progression.