I do not always have enough of their own money on expensive purchases, eg, a new gadget. Until a patch is still far, but I do not want to wait. In such cases, it is best to approach any of the banking products. But where you can take a loan on favorable terms, and even in times of crisis? Ответ на этот вопрос поможет найти сервис Your comparison of loans Gotivochka.
Consumer credit - it
Usually, consumer loans vary in terms of the purposes of obtaining and providing:
- purchase of household appliances and electronics, or for larger purchases - purpose loan;
- buying goods and services on the borrower's discretion – purpose loan;
- with software and without it;
- on the term of credit use.
Also, the loan may be, as a bank, and non-bank: the latter issued a microfinance company, or a consumer cooperative (not very common form of lending).
the loan conditions for different lenders
In a period of financial instability, banks have tightened requirements for borrowers. If earlier it was possible to get the next loan of money, even with a bad credit history, it is now difficult to take a consumer loan, and having a good rating of the borrower.
As for MFI, then everything is easier: they are much more loyal to your past (even not very successful) relationships with credit institutions. It should be understood – If your credit history shows that, that you are a malicious defaulters, you will be denied a loan even there, – Your say when Gotivochka.
Damaged credit history - not a sentence
And so, when banks refused to loan new, inevitably the question arises: where you can take a loan to purchase the coveted. Here are some nuances, and we shall understand them.
If clearly seen in the history of reluctance to perform their obligations to banks, the conversation will be short – renouncement. But if the delay occurred due to objective reasons:
- not had time to go through the payment;
- you forget to pay on time, but did so the next day;
- you do not have shied away from contact with the bank after the overdue payment, etc.. P;
- other payments you made on time and to repay the loan.
It is clearly visible, the borrower simply careless and without malice made late payment and another loan of money will be given to him without any problems. This means, a new smartphone, or the camera as a gift, you may well be able to afford, if the banks refused to consumer credit.
Cash loans in MFIs
costs, but understand, Microfinance companies that give out cash loans for shorter periods, than you're used to, using banking products. Usually, repayment period is from 7 to 14 days, but there is an MFI, where you can take a loan and a year.
Also, amounts, which give microfinance institutions is much less, than bank loans. Depending on the type of fast loan, the amount may vary from 3 to 50 thousand. But, if you take a loan for the first time in a particular company, you are unlikely to approve the maximum amount, – Your stress in Gotivochka.
The maximum amount of the micro-loans, together with a more favorable interest rate and long period of use, MFIs give their regular customers, who never made another payment delay, and in full compliance with all financial obligations undertaken by.
Well, and percentage. The MFI, they will be higher, than banks and are a percentage of the 1 day use of the loan. To accurately calculate the interest on the microloan, You can use the loan calculator on the website of the company.
