Almost every citizen can get a consumer loan currently, only the amount of the maximum loan amount is usually limited to the income level of a potential borrower. The main advantage of consumption for the population is the opportunity to buy the desired product for the money of the bank without depositing for its purchase for many months and without taking money from any acquaintances. If the loan amount is insignificant, and the bank offers a potential borrower to pay the debt with annuent payments, the monthly amount of payments will remain relatively low for the debtor. When issuing a consumer loan in Yekaterinburg, it must be remembered that the consequences of the financial crisis have not yet been overcome, and the world economy remains unstable. If the income situation with the borrower during the period of lending will significantly deteriorate, some banks still go towards non -reinforced customers, offering programs for the restructuring of the loan, however, borrowed funds must still be returned, and if the contract is valid, and overpayment of the loan will increase and overpayment. Another disadvantage of consumption is an increase in the price of a purchase of advanced purchase due to a significant interest that must be paid to a credit institution for the use of borrowed money.
Some domestic banking offices offering the population of consumption programs make such a loan as accessible as possible for potential borrowers. So, the age of the borrower is almost unlimited, income confirmation is not always required, and for the plasma TV purchased on credit, you can usually be calculated for three years. Although the overpayment of a loan can ultimately be significant, in some cases, without attracting borrowed funds, citizens simply cannot do. For example, when breaking the refrigerator, families will not be able to save money for a new device for six months or a year, so the consumer loan in this situation will be an ideal solution.
Answering the question whether to take or not take the court, it is necessary to analyze the “availability” of the goods purchased with its help. If an expensive goods to a potential borrower was previously unavailable, then you should not take a loan for its purchase, since even a monthly payment of debt in equal shares will become a significant load on the family budget. For example, instead of still working household appliances, it is not recommended to buy new devices for credit money, and it is better to refuse to buy from the purchase by consuming luxury items.