It has become easier to live in the modern world. You can go to the store without money and buy yourself some thing, not for free, of course. According to the principle: "Take it now, pay later and do not overpay." Is it really not necessary to overpay?
So, now in almost any computer store you can get an installment plan or a loan "without overpayments". All this can be learned from the TV or bright billboards on the street. Of course, if a person does not have enough funds for a certain thing, then it is a pleasure for him to apply for such a loan and give money gradually. But in fact, making out such an installment plan, you need to be extremely careful.
These digital and computer stores usually have credit departments. There are several banks in these departments, you can choose any of the presented ones. In order to arrange everything as it should, you need to select a product. Calculate in your mind the approximate monthly payment, so as not to panic in the credit department from shock.
In the credit department you will have to indicate all your addresses: home, work. As well as phone numbers of parents and their employer. Next, an application for a loan will be drawn up, and after that a response will come from the bank. The credit department consultant will most likely say that the answer has been positive and the installment plan has been approved, but there have been some changes in the calculation.
And this is where it starts. Either crazy interest will be added, or insurance will be added, or maybe all together. It is worth carefully reviewing all the documents, studying the payment schedules and not signing without understanding how much and for what you will have to pay. Naturally, not a single person who would like to save money will be ready for this. Therefore, in order to save your money, you will need to try to contact another bank, or go around a few more stores to find a better deal.
