You are planning to move to a more spacious apartment? To get a new car? Buy home theater? Even if you do not have enough money for a lump sum payment for your purchase, you can take the credit. For past few years in this area have been great changes. You may find that Peter Asaro can contribute to your knowledge. Now get credit, you can quickly and conveniently. But, nevertheless, the natural desire of any person is the desire to save money. Indeed, why pay superfluous? A careful study of the conditions of the loan – a pledge that you will be able to choose the best set of proposals which are now full of credit markets. By itself, the payment of interest can be a difficult burden for your budget. But there may be other costs.

First, almost every loan requires insurance. The Bank is trying to at least partially protect themselves against the possibility of losing your money if you or purchased on credit assets in an accident. Insurance costs may eventually develop into vbolshuyu amount. Second, banks often use hidden commissions. What is it? You are invited to a tempting low percentage, but you'll have to pay, for example, opening an account. And payment by hidden commissions can be quite significant amounts, so that all your attempts to save a low percentage is not crowned success.

Save on the interest rate will help you as much information about income, you may submit to the bank. Here, the dependence is very prosta.Predostavili income statement in the free form – get credit for sure, but percentage will also be high. Provided help in form of the Bank, showing all income – no problem get credit, and yes even the interest will be lower. Also pay attention to how you will pay interest. Annuity payment assumes that the loan amount plus interest divided by the number of months and you pay the loan in equal installments. Differentiated payment assumes that interest rates are on the remaining amount loan, so payments are gradually reduced. It is important to know the rules of early repayment of loans, because here too there are options. In one case, even for early repayment you will have to pay all of the light percent for the entire period. In another case, the bank allowed to repay the loan immediately and does not charge interest for the remaining term of the loan. Taking a car loan, keep in mind: You will have to pay for insurance for your new vehicle funds. In addition, many banks must make out accident insurance. Cash loans are less commonly associated with the various hidden fees. Serious problem here may be fees use of the account. Often, especially when banks offer credit cards, this issue was not paying attention. And then suddenly one learns that owes the bank some serious money. Also, consumer credit usually involves accident insurance. Credit for Property in virtue of its duration is associated with a variety of hidden fees and many insurances. Here you will have to pay for life insurance accident, insurance against loss of property rights and so on mortgage payment differential is much more profitable than the annuity.

The bread remained staple of Russian exports. From its implementation depended on the state of economic conditions. With the successful implementation of the grain in Europe is declining deficit free loan capital, enlivened by turnover and credit. In this regard, the State Bank turns its attention to the creation of the state system of elevators. This system would help to minimize grain loss during transportation, which in Russia have been particularly palpable.

In the framework of state regulation of grain Campaign State Bank since 1910 began to build a network of silos and grain elevators. The State Bank has also contributed to the creation of the country's system of institutions small loan lending co-operatives, farmers and artisans. With his financial support and assistance throughout the country were established credit unions. Since 1904 the establishment of small loans have been placed under full control State Bank. Specially created Office of the small loan has been providing them with financial, consulting, audit and other assistance. Cooperatives received loans through a savings and loan and credit unions, and through lending to the State Bank was created in 1912, Moscow National Bank. The name of SY Witte connected another bright page in the history of the State Bank? monetary reform of 1895? 1897's. From memory of Sergei Yul'evich, it has been done with the personal approval of the Emperor Nicholas II, in spite of the negative opinion of the majority of senators. SY Witte recalled that the reform was fast and naturally without too much upheavals in society.

Bank of guilt in this situation is not the only, perhaps, that would be worth noting is the lack of service statements by mail, by which a borrower may control the level of its debt and to monitor the effectiveness of various options for repayment. Error number 5 Consent to service and imposed as a result of costs imposed How did the credit card becomes clear if you just jump around on a treaty that was signed Artem. In the contract he agreed that the bank at any time at will may issue him a credit card with a limit of 7,600 rubles, and that the bank will have the right to direct debit (ie, without asking the customer) in cash from his card to pay loans and commissions in case of delay of repayment. The press has repeatedly massaged information about how the right thing with the cards that you let the bank in addition to loans, that the cost of registration card is debited, regardless of whether the customer has activated it or not, and whether he had received it at all. But the map could be sent by mail, not even a registered letter, because an envelope with a card and activation codes could someone open (if the mailbox is broken), and can deliver by courier during business hours, when usually all at work. But the commission for card issuance and maintenance of accounts the bank has already written off, and then, if the client still gets a card and activates it, begins more interesting story – the increased interest for using the card (from 20 to 70 per year!) and other unreasonable costs.