The choice of a bank for a loan is a responsible process that allows you to save money and protect your nerves. Currently, you can take a loan in any of the banks presented in the market. But not all of them offer favorable conditions. Read in this material about the pitfalls and subtleties to which you should pay attention.
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First, decide what documents are you willing to provide a bank. There are banks that will give you a loan only upon presentation of a passport. And in others you may be asked to bring a copy of the employment record or lead the guarantor. Of course, first of all it depends on the amount you are going to take into debt by the bank. Please note that there is a simple rule: the less the bank requires documents, the more you will have to reproach.
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The second important point is the interest rate. If it is difficult for you to understand how much ultimate will have to pay, you can use the credit calculator. This can be done both on the site of the bank itself and on any independent banking resource or the forum.
3
Pay attention to hidden payments, invisible at first glance. Sometimes banks reduce the interest rate at the expense of the various commissions to be paid to the client. They may be charged for opening an account, issuing a map, a quick consideration of the application and the rapid issuance, repayment of the entire amount of the loan ahead of time. Specialists advise not to take insurance, which can usually impose banks. In addition, check the size of the fine for the delay in payments.
4
Examine bank ratings. On the one hand, a small bank can provide more favorable conditions and quickly consider your application. On the other hand, in the event of a bankruptcy of such a bank, you will have to go through a number of unpleasant procedures with clarifying new details to make payment, because such a loan will still have to pay. In large banks, the issuance of loans is put on flow, but requirements for documents confirming solvency is usually higher.
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Collect feedback. Share acquaintances. Read what they write on the Internet about your future creditor. Sarafan radio sometimes gives more reliable information than official sites.
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Consider additional credit capabilities. Perhaps your company cooperates with the bank as part of a salary project. In this case, you can provide more favorable conditions. Specify this moment in accounting or financial service. If you have already taken a loan and repaid it without violations, then in case of re-lending you can reduce the rate. This can be found in the bank branch.
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The last item is the territorial accessibility of the bank. You will have to pay a loan monthly. Look, whether it will be convenient to get to the bank branch. Is it possible to make cash via an ATM and repay loan over the Internet. All this will save time and prevent delay.
It is best not to hurry with a loan by studying the information about each bank. So you will reduce the risk of overpayment and save your money.
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