Credit is a convenient and often very necessary thing. For example, not everyone can save for a new car. Every now and then the money diverges to the right and to the left. Therefore, a loan is a good option not to postpone the purchase. But before you take on any additional financial obligations, you must think and weigh everything very well.

Never get hung up on one bank, even if you are a regular customer. The situation on the banking market changes very often, and the bank that yesterday issued the “cheapest loans” may already be “out of the market” today. It would be optimal to contact 3 banks, asking each for a payment schedule and requirements for borrowers. Carefully study each of the proposals and make your final decision. Perhaps you should visit myfin before choosing a bank for a loan.

Interest, commissions, insurance are collectively the payment for the fact that the bank has given you to use its funds, it is also the overpayment on the loan - the most important indicator that you should pay close attention to. Do not complicate your life with independent calculations, multiplying the interest by the loan amount, summing up the commissions, etc., ask the bank for the estimated payment schedule, it is easy to calculate the overpayment amount from it (sum up all the payments according to the schedule and subtract the amount of the loan taken).