Interestable loans are prohibited in our country. It means that obsessive advertising loans under 0% per annum is not true and to the amount loan yet have to Add some percentage.
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Any bank expects to benefit from lending. And interest-free credit - not an exception. Interests that are transparently numbered in any other loan, in interest-free veiled for additional paid services: commission for issuing a loan commission for His service I. t.P.. Very often, the set of minor additional payments is equal to the interest rate on the usual consumer loan - 14 –15%.
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Carefully read the terms of the contract, do not hesitate to discuss with the employees of the credit organization each item of the Agreement. Professional slang contract is designed not to facilitate understanding borrower, and mislead it. Detailing and discussion in the contract of trifles prevents the client to concentrate on the main thing. For example, a loan that is advertised is interest-free for six months is provided for a year, or even by a year and a half, while payments must be fixed, early repayment is subject to the commission, and interest on the expiration of a 6-month term increases several times.
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Car dealerships also offer interest-free lending. Credit on a car comes down to factoring: the car dealership offers installments on a car with a mandatory initial contribution, and after hesitates his credit organization rights, a bank that immediately pays the amount of the auto show, leaving himself stipulated percent. At the same time, the owner of the car will be forced for all time paying a loan to insure his car with a full package provided by this bank.
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More One option of interest-free loan is the simultaneous use of two credit cards of different banks. Each credit card has a "preferential" period, which is not charged percentage percentage on the removed amount of money. Such a period is 50, and sometimes 100 days. The essence is the ability to make purchases on a credit card with subsequent reimbursement of expenses. Personal media consumption tV pr.and this option is minimal, but regular time spent, effort and attention is required, so as not to work out the "preferential" period and do not get interest For the entire period of use of the filled amount.
There are no interest-free loans. Colorful advertising, tricks of the banking system and the desire to gain benefits can hit the wallet. Therefore, think about everything "for" and "against" before you take an interest-free loan.
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