Is it worth taking money on credit. Should I take a bank loan?! Opinions and reviews. Credits often have pitfalls

Should I take a loan? What do experts think about this?

Very often in life, you can observe situations when a person in his own whim, especially in this not needing, runs to the bank for receiving a new loan for purchase, in fact, completely unnecessary things for him. There are many people who fall into credit dependence and no longer think of their lives without a new loan. But such financial illiteracy leads to the sad consequences that are narrowed for the greed borrower of serious trouble.

Do you need a loan?

Each competent person before deciding on a loan, I will definitely think a hundred times, and whether it is really necessary for him at the moment, or still you can somehow get along with our own resources. After all, issuing any loan, a person automatically accepts credit duties, the failure of which can turn into huge risks for him, and as a result of a bad credit history. Thus, before you take a loan, you need to take my cumulative family revenue Of all the sources and calculate, will not be a loan to the endless bokery for a person.

Of course, there are different situations in life when without a loan is really difficult to do. As a rule, such situations rarely happen. In most cases, people take loans only because they can afford it yet. But here it is necessary to understand that permanent lending can over time to cause the most real dependence, which is quite difficult to get rid of which.

The reasons that pushing people to receive a loan is very much. It can be a wedding, a vacation trip, buying new technology or treatment. However, it should be understood here that the reasons for registration of a loan in the bank should always be objective, and are not due to the desire to keep up with the progress or losing the nose to their neighbor. That is, if a person urgently needs funds, for example, to study in a higher institution or a trip to a sanatorium for recovery, then it is difficult to say that it will be an inappropriate solution. But if a person already has a good car runs to the bank for receiving a loan to buy a newer brand of car, it is already, to put it mildly, a bust. Especially if this borrower does not have enough income in the real life. Wealthy people or just financial competent citizens always calculate the loan in advance, based on their needs and opportunities. And the main thing here is that these desires always coincide with real possibilities.

How not to make a mistake?

In order not to make rude and fraught with the consequences of errors, when making a loan, a person needs to weigh everything "for" and "against", and decide whether it is really worth to take a loan. Or still you can do without it. And for this you need to understand what mistakes are most often committed when making a decision on a loan. Well, to not repeat them, you need to take advantage of the following tips.

If you still decide to take a loan and in connection with this, they fell into a difficult financial situation that had grown into confrontation with the bank, then do not despair, our lawyer online will answer all questions about your rights and responsibilities to a credit and financial organization and will help Competently and with minimal loss to get out of the complex position. You can set your question in the form that is at the bottom of the window.

There are many reasons why people take money on credit. The basis here is the same: there was a goal for which the own money is not enough or at all. So, in the apartment, many people simply do not have enough opportunities to accumulate for life, so the mortgage became the only way out not to pay for removable housing and live in his. There are cases when a person simply wanted to acquire an expensive impaired smartphone, which stands in three salaries. He takes a loan and six months old pays for, in fact, not the necessary thing .. But the worst thing when one duty begins to repay others. This can lead to a closed circle with a huge debt, from which there is simply no exit.

If the banks offer relatively unfounded loan payment conditions, then various organizations such as MFIs, private lenders, the requirement, and so on., Press the borrower with huge percentages calculated by hundreds per annum. While lenders offer to take a lot and quickly, financial analysts say that it is worth a good choice in favor of the loan. Perspective to decide financial difficulties or acquire the desired product "here and now" is dulling a review of the future in which you need to pay for today
a wish.

Why do people take loans?

The loan allows you to make a dream to which money lacks, or to solve financial difficulties. If, until the 90s, people almost did not take money in debt and lived through their own financial forces, after the 90s, the banking sphere began to actively develop in Russia, and at the moment the number of banks exceeds five hundred, which is several times the entire European norms on the number of banks per capita. And this is not counting small lenders. Offers to take money can be found everywhere. And money is issued quickly and large sums. Such accessibility circles his head and creates an artificial need for a person in new things and in a beautiful life. Some borrowers, encountered with the realities of debt payment, are registered anymore never take money into debt. Others are so accustomed to "live on credit" that they take a loan for everything, paying for it over the next few years. Stable income and permanent work contribute to debt payments. However, if there is an unforeseen something happens, then a failure can be failed in payments and the debt is formed, to get out of which it becomes difficult again.

Why many people take a lot of loans?

This is facilitated by the desire to live like everything, have beautiful and expensive things, not worse than the neighbor, the incomes of which are significantly higher. This is not a pathology, but only an attempt to increase your own self-esteem. To be honest, the loan is one of the worst ways to "beautifully live." However, trade organizations cooperating in banks are reverse. They position a loan as an opportunity profitable purchase. Due to loans, the trade turnover and bank profits are growing. You can make a loan not only in the bank's separation, but also directly on the outlet. Over the past few years, the number of loans per capita grows. One borrower may have up to 4-7 credits. It can be a consumer loan or mortgage, a credit card, a loan for the phone, a refrigerator, a TV, a fur coat, furniture, and so on. As a rule, the size of one payment is small, which allows you to comfortably pay. But sometimes in the aggregate, the total payout can "crush" the borrower.

Thus, the wide availability of loans, their ease of receipt contributes to the fact that people take a lot of loans.

Five reasons why you should not take a loan.

You can select a lot of facts when you really should not take a loan. Along with those who take loans for everything, there are those who do not use loans at all. They try to accumulate on their own or not buy what no money is. We highlight five major reasons when you should not take a loan.

Do not take a loan to repay another loan.

A new loan for repayment is called refinancing. Borrowers are resorted to it when it becomes difficult to pay for the current loan or the bank offers to reduce acting bid. For example, the client issued a loan during the period increased rates under 27%. A year later, the rates fell, and another bank proposes to take a loan under 15%. It's just logical to be converted here. However, if the client has a loan under the same 15%, but with a large monthly payment, and he needs to lower the payment, he agrees to take an additional loan for a longer period, but with a smaller payment. And so it can continue indefinitely. As a result, the client has already blocked the principal debt, and the loan amount has not decreased due to new percent.

Thus, it is not worth a loan for repayment of another. To facilitate the burden of payments, it is better to use the services of restructuring and refinancing, when the main debt is stretched, and the amount of additional interest will be not significant.

When you need another loan.

It happens that a person already has loans and he decided to buy another thing. Here it is better to postpone the question of a new loan, so that the slaughterism does not bash. However, if new Credit really needed and without it can not do, then it is worth paying out one of the existing ones. It is important to comply with the rule that no more than 30-35% of the average income should go on repayment of loans. As soon as this balance is violated, it is worth stopping and not to take new loans, and try to solve the question of how to do without borrowed money.

If there is not enough money.

Many people are accustomed to living from salary to a salary, evenly distributing expenses within a month. However, it may happen that there is not enough money to salaries. There are thoughts where you can take money for a couple of days. As an option, people begin to take microloans and give them with a certain overpayment. Loans are small, so overpayment in monetary size Not noticeable. So, taking 5 TR, you need to give 6 trial in a week. It would seem that only 20% over the week overpayment, but already 80% per month or more than a thousand per annum. In such cases, you can use the card with preferential period. It will allow you to "intercept" money to salary and return them without additional interest. True, it's not to get involved in it either.

Is it worth going to microfinance organizations?

Loans in MFIs are issued in a few minutes one passport. It attracts those people who need to find money somewhere before salary, or if the bank refuses a loan. Microloam overpayment huge in percentage ratio. The borrower overpays several times more than he took. This is a kind of bich of modern life, but someone quite often takes the money that returns with overpayment. MFIs give money to almost everyone who appealed, including borrowers with a bad credit history. Experts advise not using the services of MFIs, or enjoy in exceptional cases.

When making a loan, you can deceive.

Before signing loan agreement It is worth studying everything carefully. Especially, regarding the points of the bank's rights to change the interest rate unilaterally and the demand of the debt.

I want to offer you some reflections on is it worth to take a loan. As you know, advertising all kinds of loans and loans now you can meet anywhere: it is shot on the whole Internet, all print media are placed all the pillars and bulletin boards. Banks advertise loans as an opportunity for a small fee to acquire everything that your heart is like simple and easy way solutions financial difficulties. But is it really? Should I take a loan? Let's try to figure it out.

First of all, I propose to divide all possible bank loans into two categories:

1. Consumer loans;

2. Business loans.

There is a very significant difference between these two directions of funds of funds from the bank, which must be very clearly represented in order to answer the question. "Is it worth taking a loan?". Consumer loans allow a person to consume something that he has not yet earned, but it is necessary to pay for such an opportunity. Thus, entail an inevitable increase in the expenses of personal or family budget with unchanged income.

If we talk about buying a car, then you also need to pay attention to different nuances. Such an acquisition in itself entails the appearance of many additional regular expenses, and if they arrange, then these additional expenses There will be only more. I recommend just to take a calculator and calculate that you will cost such a purchase and such a loan, "will" pull "whether family budget? How to properly produce such calculations, and what other important points should pay attention in this case, I described in the article

Thus, the question of whether it is worth a loan for the purchase of housing or a car of an unequivocal response. It depends on the set of factors, among which the fundamental role is played by the state personal finance. That is, in the first place, it all depends on whether there is an opportunity to cover all costs associated with obtaining such a loan if it is enough for this income. But even if it is so - a loan for the purchase of real estate or auto does not always be optimal option Making such large purchaseIt is necessary to pay attention to many different factors.

Speaking about whether to take a loan, it is necessary to consider another situation. This is a situation in which a person or family has certain funds, they are enough for independent payment of the desired purchase, but these funds are invested in any other financial or material asset that brings some income. For example, in business, securities, deposit, etc. In this case, a person stands before choosing: to derive funds from there, where they are embedded, and make a purchase without resorting to lending services, or to take a loan by saving their additional (and maybe even the main) source of earnings.

In my opinion, in such a situation, too, everything should solve simple arithmetic. It is necessary to calculate that more: income that has already brings existing capital or those expenses that may entail a loan. If the income is more, it is logical to take a loan, even if personal needs, but still remain "in the plus".

If the question is as follows: to output the means from the asset that makes a profit, or take a loan to commit a certain purchase, then you need to calculate what is financially more profitable. In addition, in my opinion, the presence of an asset that causes income always plays a positive role from the point of view, so the advantage in most cases should remain on its conservation.

Perhaps these are all the highlights that I would like to voice. In any case, whether to take a loan - to solve only you, so listen to what I wrote, and make your own conclusions.

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Today, you can buy the desired material benefits at the expense of borrowed banking funds. In addition, the bank loans have become widely available to almost every workable citizen of our country, many of them do not neglect this opportunity. Of course, if you take loans implainly and inappropriate, you can simply be in the debt. And so that this does not happen, you need, among other things, to know when it is most profitable to design bank loan.

At different periods of time, bank loans become cheaper or more expensive, it largely depends on the economic situation in the country as a whole. It follows that it is important for each borrower to determine whether it is worth it to take a loan now or better wait for a while when the Central Bank of Russia will reduce the key bid on short-term loans. This will help the borrower first of all, arrange banking loan At profitable conditions and minimize their own risks.

The feasibility of bank lending

Market financial services full of various kinds of proposals. Among other things, in connection with tough competition between financial institutions, each bank tries to offer a potential client as comfortable conditions for cooperation, in order to conquer its niche lenders reduce annual percentage on the loan and make loans more affordable for the population. Customers, in turn, are actively using banking proposals and do not even think about the issue whether it is profitable to take a loan now, and literally a short time can be saved to save interest.

Unfortunately, the big problem of most borrowers is low financial literacyFew people think about the fact that bank loan rates for the population also largely depends on the economic situation in the country. If you characterize the economic situation, then bank lending it becomes cheaper for the end user when the level of inflation in the country is minimal, it is during this period central bank Reduces the key bid on short-term loans.

Here we will give a simple example: the last crisis in our country has arrived in 2014 due to the sanctions entered by the United States and the European Union, as well as conflicts in Ukraine. This year, the dollar rate sharply increased in relation to national currencyand banks suspended the issuance of large loans to the population, that is, suspended housing lending, even the most large banks Sberbank, VTB24, though they did not refuse mortgage lendingBut significantly reduced the amount of target loans issued. It was associated with a high risk when the level of inflation grows, and purchasing power significantly decreases.

Please note the key rate Central Bank It changes quite often, so if you think about the design of a bank loan, be sure to check these information, it will be easy to find it from open sources on the Internet.

Credit market situation in 2018

Currently, in 2018, the situation is in the domestic russian market More or less stabilized, although it requires some changes. Indeed, in a few years of Russia managed to overcome the pressure from the United States and the European Union, but nevertheless the financial situation did not reach the level when banks could issue cheaper loans for the population. For the sake of justice, it should be noted that the central bank performs its function by 100% and seeks to keep the inflation rate and reduce the key bid.

Credit organizations, though depending on the Central Bank of Russia, but still lead internal policies, and on the basis of its own regulations, loans are issued to customers. The loan rates really became less than a few years earlier, and the loans were more accessible accordingly, but not all. Due to the high percentage of insolvency, banks are losses and more selectively refer to their customers, first of all you need to know the basic requirements of credit institutions to customers:

• working age from 21 years before retirement;
• permanent source of income, that is, the client must be decorated Labor Code RF;
• positive credit history;
• permanent registration in Russia.

This is the minimum list of bank requirements to a potential customer, but at the same time there are additional requirements. For example, credit organizations rarely approve loans to borrowers who work individual entrepreneursAnd preference is given, on the contrary, employees of large, preferably state-owned companies.

Please note that for each bank it is important to keep your business reputation, because if you do not be effective credit Policy, That is, approve of loans to all applicants, together with this there is a loss of the bank and it can lose the license on the initiative of the controller.

When making a bank loan, each potential borrowerFirst of all, should think about the feasibility of a loan. That is, if the bank offers high percentSo, probably, it makes sense to abandon cooperation. In fact, many borrowers have the chances of getting a bank loan, even those that are not suitable for the basic requirements of the bank in one way or another. But here you need to be prepared for the fact that the bank will tighten the terms of cooperation and will offer a higher annual percentage, it implies the question of whether it makes sense to take a loan for unprofitable conditions.

It is also worth noting that over the past few years, overdue debts in the bank's loan portfolio increases rapidly. Probably, this is due to the fact that during the period of the crisis situation, many of our fellow citizens found themselves in a serious material situation or lost the source of income. Therefore, banks are more selectively approached by the selection of applicants. By the way, on the financial services market, it is possible to get a loan only in a bank, but also in microfinance companies, which, for sure, heard each. True, it is worth considering that the transaction will be bonded for the borrower, and therefore there is no point in such credit.

How to get a loan correctly

I want to start with the fact that each client should answer a number of current issues that we give below. But still do not need to abuse borrowed means, because they are subject to return anyway. The fact is that some borrowers uncontrollably make bank loans and eventually fall into a debt point, from which it will be quite difficult to get out.

So, before you go to the bank you need to answer the following questions:

1. Do I need a loan. Sometimes the borrowed funds are taken to uncertain needs, that is, the borrower first draws out a loan, and then distributes borrowed tools. This should not be if you really have a need for banking means, it is undoubtedly a loan will help to solve current material problems, if there are no specific goals, it is necessary to refuse to go to the bank.
2. What amount to take on credit. Before going to the bank, determine the exact amount that you need to implement consumer current needs should not be borrowed more than you need, for example, to repair an apartment or the purchase of new furniture. Of course, sometimes in addition to obligatory you want to realize your other desires, but it is better to do it at the expense own fundsbut non-banking.
3. Determine what amount of the monthly payment you can contribute to the payment of a loan without prejudice to your personal consumer needs, it should be reasonable and not burden your budget.

What loan is beneficial to take today

Banks offer a wide range of loans for certain needs, so the choice banking Product It will largely depend on the goals you are haunting. For example, if you wish to buy any products, then you can choose an inadequate consumer loan if you wish to buy a car, then you are perfect for car loans, if you degenerate in a residential room, then the mortgage for you is the only way out. Therefore, now consider which loan is beneficial to take today, and what purchase should be postponed to better times.

Consumer credit

Here we will consider not only a bank loan on consumer needs, but also plastic cards With credit limit. Take a consumer loan will be appropriate if you are planning any purchases. Here you need to determine the exact amount of the loan and then only contact the bank. If you wish to make any minor costs or money you need as a financial pillow, then credit cards will be the best option.

If we talk about interest rates, the consumer loan costs the consumer cheaper, especially since today the annual percentage fell about 2-3 points compared to past periods. But according to the credit card, interest rates have not changed, which is due to the fact that the Bank provides an opportunity to avoid paying interest, if you correctly use credit plastic.

Please note that the main problem of each owner credit card - This is inability to use the preferential period correctly, so before making purchases on the map with a credit limit necessarily carefully examine the conditions of service.

Target car loan

If you wish to acquire your own car, most borrowers are studying the market of services and offers for car loans. Although today it is not advisable to take car loan at all and there are several main reasons for that. First of all, the rates on the car loan more than in a consumer loan. The second reason is that it is almost impossible to arrange a loan without insurance, and expensive policy significantly increases the cost of the loan. Finally, the third reason why it is worth abandoning car loans - this is the need to make an initial contribution.

Although fairness it is worth noting that you can arrange a car on credit, but only under the state subsidy program. Here, the borrowing scheme will look as follows: you make a bank loan, and part of the overpayment of the bank will be made due to money of Federal budget. True, here the buyer's choice will be limited by the terms of the programs.

Mortgage loan

Oddly enough, but now the most comfortable period for making a mortgage loan. First of all, banks significantly reduced the annual percentage of mortgage loans, compared with the past period. The second reason is a decline in real estate prices, so if you are thinking about the design of the mortgage, now the most favorable period for this period is now. Among other things, if the mortgage was previously framed, today you can make a loan for refinancing and reduce, thus overpayment.

Please note that banks today more willingly issue mortgage loans for the reason why different state programs Part of the funds are compensated for by the state budget.

If you summarize, the loan design is the question of strictly individual, that is, the borrower must first determine how much it needs borrowed fundsWhat amount he is required, and how it will return a bank loan. As for interest rates on different loans, it is indeed some types of loans an annual percentage decreased by several points, which makes loans more accessible to a wide audience.

Today, many of our readers are asked about whether to take loans in 2019, given the current crisis? We will try to give in this article a detailed answer to it, bringing some excerpts from the views of prominent experts in terms of finance and loans.

Current situation

So, today in Russia, a difficult time is really established both for ordinary citizens and for large financial enterprises. Too many happened lately, which significantly affected the country's economy, in particular:

• the devaluation of the ruble due to the collapse of her course,
• raising key bet Central Bank,
• entering sanctions by Western and European countries, etc.

Many of our fellow citizens feared the fact that the country threatens default, as it was in time immemorial, but we rush to calm you - no prerequisites for this.

In Russia, there are still richest reserves of minerals, zolotovolovoy reserves not exhausted, and external debts are not critical, such as in Ukraine.

And remember !!! Before you take a loan, think 10 times and submit an application once once. If today you offer a loan with a bet over 17% - this is a clear robbery. Look for best deals. They are, they must be sought. And do not forget to read this note before submitting applications, it will help not make you serious mistakes!

Why stop issued loans?

Many borrowers mistakenly believe that banks stopped issuing money to the population. This is not at all, loans are also drawn up often, as before, but only now they give them away from everyone, but only reliable customers.

Despite the fact that the key percentage was reduced, and banks can again receive "cheap" loans and offer them to the population, credit companies have significantly tightened their requirements for borrowers. Most companies now prevent the following conditions:

• Age from 21-23 years, it is possible to lend to the onset of retirement age;
• The presence of official employment,
• Earnings of at least 10-15 thousand rubles per month to confirm the certificate of income;
• It is necessary to have a general work experience of 1 year, and at the current place of work - from 6 months (all this must be confirmed by the discharge from labor book or contract).

Small "cross-partings" can receive only certain categories of customers, often these are employees of budget spheres, or salary customers bank. Read about loans for participants salary project Sberbank can be in this article.

We will examine the nuances

• Cash loan

If you have a question, whether to take a consumer loan now, then there can be no unequivocal response. Some experts say - stands, others do not, everything "rests" in the choice of the bank itself and its program.

The fact is that it is impossible to say with confidence about what bank organization offers the most profitable credit Due to the fact that for each person the concept of "profitable individual": some want to have maximum amountother - low percentage, the third is the lack of commissions, etc.

Of course, it is best to choose sentences with the smallest rate, because it is it affects the size of your ultimate overpayment. It is possible to reduce it with the help of collecting documents, registration of the pledge or attracting guarantors. Where now you can profitably credited under minimum percentage, tell.

• Car loans

If you think about buying a car, now the most profitable are domestic cars produced in 2018-2019, in the cost not exceeding 1.5 million rubles. They can be purchased with state subsidy According to the program "First Car" or "Family Car".

Co-financing interest rate There is no, but borrowers are given a discount of 10% of the cost of the machine. At the same time there are requirements for vehiclesand to buyers themselves. When you can use this subsidy, we tell in detail in.

• Housing loan

If you are going to arrange a mortgage, then experts say that now it is definitely good to do. Here are some of the reasons:

1. Decline in real estate prices;
2. The presence of many promotional housing programs;
3. Public Assistance large families by providing subsidies under the program "Young Family" and Maternal capital. Also, a project is also very popular with the provision of mortgage per families, where after January 1, 2018 the second or third baby was born.

If your cumulative family income allows you to cover about 40-50% of the estimated cost of the apartment, that is, no sense mortgage, and join in share building At the very beginning of the construction of a new house.

In this case, the cost of the apartment will be by a third lower than its estimated cost when renting housing. During the time that there will be a construction, you will be able to accumulate the remaining amount or take it into debt in relatives and acquaintances.

If your savings are barely enough for 10-20% of the estimated cost of the apartment, it makes sense to make a mortgage loan. When choosing a bank, focus not only on the terms of the loan agreement, but also on the reputation of the organization itself.

Tips for borrowers