Purchase real estate, car or open your own business - many dream of this, but not enough necessary funds. To make a loan in the bank - quite real, but huge interest for using such a loan kill the not yet born dream about your own house, car or business. In European countries, almost everyone lives on credit - it is profitable, because the interest rate is very low.
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What bids offer European banks? In most cases, the loan can be taken under 5-7% per annum, and the repayment period of the loan can be up to 30 years, if we are talking about mortgage, but in order to get such a loan, you need to consider many factors.
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German banks are most popular, which are actively working with customers from Russia, but this cooperation is carried out not directly, but through consulting firms. Employees of such companies are preparing the necessary documents, help to fill out a questionnaire, send it to a foreign bank, solve all formalities. When contacting a consulting company, it is necessary to make sure that it is authorized to provide such services, whether with sufficient experience in this field of activity.
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What amount of credit can you count by addressing the European Bank? As a rule, individuals actually lend 50 thousand euros and more, which is especially convenient when buying real estate. It is necessary to prepare for the need to provide a guarantee that will serve as a guarantee of the return of the loan. Such a document may issue a domestic bank with a decent reputation. As in Russia, the deposit will be liquid property - securities or real estate.
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The application for the provision of a loan is considered about a week, during this period, employees of the Bank check the compliance of the income and the necessary loan payments, therefore it is worth considering that a monthly income should exceed a regular payment by approximately 1.5 times. The stability of income is also taken into account, the advantage is given to customers who work for more than a year in the same company.
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You can take a loan not only in the euro, but also in another currency - at the request of the client, it is also possible to determine the regularity of making payments - monthly or quarterly. A pleasant circumstance is a condition in which, after early repayment of the loan, the following is provided on more favorable conditions. Upon receipt of the loan, it is necessary to take into account the need for insurance (0.1-0.2% of the amount) and payment of the disposable commission (0.5-1%).
Get a loan in the European bank - not only profitable, but also is simple, the main thing is to contact a consulting company, which officially represents the interests of a particular bank, then you can save on commission payments for services. To repay such a loan is as simple - poisoning by bank transfer the necessary amount in the agreed period or through the representative office of a foreign bank in the country.
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