Loans have become a part of the lives of many Russians. But so that this expense item does not turn out to be an excessive burden on the budget, you need to know how you can get a loan on the most favorable terms for you.
Instructions
Step 1
Explore the offers of banks represented in your region. A list of them can be found on various Internet resources, for example, on the Banki.ru portal and others. Pay attention to the special offers of banks, which are usually voiced in advertisements. This can be, for example, canceling the commission or reducing the interest rate.
Step 2
Check the selected loans for various additional payments. Consider not only the interest rate in its pure form, but also various additional payments - for issuing a loan, for issuing a card, maintaining an account, life and disability insurance. All these parameters are taken into account in such an indicator as the total cost of the loan (CCC), which each bank is obliged to indicate in its official information materials and to inform the client at his request. The lower the UCI, the cheaper the loan will cost you. Please note, however, that the UCS should only be used to compare similar loan products. This indicator cannot be used to compare, for example, cash loans and credit cards.
Step 3
Pay attention to the lending programs of the bank in which you have a salary account. Financial institutions often provide special, more profitable offers for regular corporate clients. In this case, you can also count on a reduction in the package of necessary documents - the income statement will be replaced by the bank's own data on what monthly transfers you receive from the employer.
