Should I take a loan?
"Credit" - more recently the word firmly establishedin our life. It is always sound from the TV screens, we see it on advertising banners, leaflets read on your mailbox. Almost every day we get a varied and, at first glance, very attractive offers via e-mail and SMS messages.
"Take today, pay tomorrow" - herethe main idea of lending. And you will agree, it sounds very tempting. Do not deny yourself all over and painfully to save on your favorite thing. All dreams come true today, right now. So whether to take a loan? Maybe a loan - it is the simplest and easiest way to happiness?
What is a credit
Once called other lending, is a little half-forgotten word - usury. Occupation is considered unworthy and strongly condemned by the Church and society.
Today everything has changed. The word "credit" has no negative connotation. It has become a familiar and commonplace. Many states live "in debt" - to say nothing about the people! However, the essence of credit since then has not changed.
Credit - this is when you, upon request, butunder certain conditions, give other people's money. In exchange for this service you are returning more than taking. And even if you do not take yourself money and goods, the meaning does not change.
What are credits and how they differfrom friend? A variety of loans a great many - targeted and not targeted, short-term and long-term secured and unsecured - to understand all this is quite difficult. Perhaps it makes sense to focus on a few of the most common.
- consumer credit
Perhaps the most popular type of loan. Its main difference from the others is that the bank will not control your spending. You will be able to spend the money as you please - buy some thing or spend on treatment, to go to rest or start a repair. The amount of these loans, as well as their repayment period quite small. For their production requires a minimum set of documents.
- Car loans
Another common type is the carcredit. Here you get your hands on is not money, but the "iron horse". The car serves as collateral. Only fully paid off with the bank you get your hands on a technical passport and become a full-fledged owner of the car.
Mortgage - a loan to buy a property. As a real estate can serve flat, house or plot of land. This is probably one of the most long-term types of lending. Guarantee your payments on the loan becomes the very property that you are buying. If, for some reason, pay back the loan, you can not, the bank simply will select it from you and sell, returned their money.
- Credit cards
credit card account replenish your bank. This way you can pay for your purchase, not having enough money. However, interest payments on credit cards are quite high. And if you do not refill your account on time, then followed by severe penalties.
- Credit for education
This is very popular abroad, viewLending has only just started to appear on the Russian market. Typically, the money goes directly to the account of your school each semester. The main feature of student loans is that you can get a reprieve on payment of the principal amount. That is, until you learn you will pay only the interest on the loan.
The main advantages of credit
Of course, the main advantage of the loan isthe ability to get the right thing immediately. In addition, the loan allows to break a large, "very heavy" amount into smaller ones, which are not burdensome.
Another advantage of the loan is a fixed amount of payment. In some situations, these "pros" may be decisive?
When a loan is justified
Perhaps there is no light on the person,which would be able to live your life, never taking money in debt. Or, at least, of such people is very small. After all, situations are very different, and sometimes credit is really justified.
This is a situation where urgent payments are dependent on thelife, health or the future of you and your loved ones. Suppose you lost your job, but this time someone needed emergency surgery. Or simply it's time to treat teeth. Will not you go with a pulpitis to paycheck?
This category also includes the payment of tuition fees. Agree, not very wise to throw the Institute in the fourth year.
What is the bargain? This is an opportunity to purchase the desired at a price far below market value.
Let's say you want to buy an apartment. You have found the average cost and have already collected a considerable part of the amount. And then you learn that someone you know is selling an apartment is much cheaper, because the money is needed urgently. Such attachment is justified.
Another example. How long have you planned a major purchase. Suddenly it turns out that in two months the price of this commodity will rise by a third. In this case, it can not wait, and immediately purchase desired.
Credit can be justified when there isthe ability to make money, borrowed, to work for themselves. For example, a young family plans to buy an apartment. But housing prices are constantly rising and the desired goal is not near. There may come to the aid of a mortgage loan. Family buys an apartment and immediately leases it for rent. The money received from renting, go to the payment of the loan.
Thus, a few years later it turns out that they actually got the apartment for free.
A similar situation can arise with credit foreducation. Let's say you've been working in some company. You appreciate and respect the authorities, but to receive a welcome boost you can not - do not have a diploma. In this case, the loan will help you to make a career and move to a new professional level.
Of course, the biggest drawback of loans is that for the coveted product or service you are paying much more than their actual value. But beyond that there are other moments.
Credit gives a person a false sense of financial independence and prosperity. After all, you are instantly and effortlessly get the thing is, strictly speaking, you can not afford.
At the same time, as a rule, you have the article and additional costs. This is especially true of consumer loans.
Having bought a mink coat, you will have to purchase a new pair of boots and a bag for her. For a diamond ring, you will need a new dress.
Is it worth it to take a loan on the car, if youI suspect that even the cost of gasoline can penetrate a significant dent in your budget? Then any small scratch or damage will certainly cause a deep depression.
When it is not necessary to take the credit
Specialists companies engagedstudy of the banking market, conducted an interesting survey. It was attended by people who use credit. Some of them were very satisfied with the opportunities that provided them with this system. Others - feel miserable and "cornered".
Based on the responses, the company's experts have identified a few highlights, indicating that the risk of falling into "debt slavery" is too large.
Life is unpredictable. At any time it can happen any surprises. And not always pleasant - a person can get into an accident, losing a job, just sick. Therefore, assuming certain liabilities on the loan, it is imperative to have some "safety cushion". It is believed that the "thickness" of the pillow should be about 3 to 5 months' salary.
Most people have one source of income -either wages or income from your own business. However, today the situation is not only in the country but also around the world is very unstable - "jumping" exchange rates, prices are rising, declining demand for some products.
If, due to some circumstances, a personlose the only income, it will automatically fall into the "debt trap". After all, in case of delay, it needs to be done not only mortgage payments but also pay fines.
The presence of other debt
In recent years, an increasing number of people,which are unable to cope with the current payments on the loan, are trying to solve this problem by taking a new one. Thus a man drives himself into a financial trap. And she, in time, will inevitably lead to serious psychological problems, depression and sometimes suicide.
Not so long ago practicing psychologists have added to various forms of psychological dependencies another - kreditomaniyu. Despite the fact that this term is not yet considered to be a scientific problem exists.
Experts even drew a rough portrait of the potential kreditomana. This is - an incorrigible optimist, easily amenable to a stranger influence. Quite often, these people are still financially illiterate.
To take or not to take the credit?
Before you make a final decision, financiers and psychologists recommend well-calculate everything and answer the following questions:
- Should I take a loan in one or the other thing? Is it necessary? Maybe there are other ways to solve the problem before you embarked?
- Are you convinced that your income will allow you to safely and regularly all payments on the loan?
- Do you remember that in the end you pay more?
Although, of course, the final choice is always yours. After all, you - an adult, intelligent and responsible person.</ P>