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Instructions

1

First of all, think carefully about whether you needwhat are you going to buy. If this is not necessary here and now, you can simply save for purchase. If it is a luxury item, you can do without it. Credit is profitable only for financial institutions, for ordinary citizens it is always overpayment and unnecessary worries. Soberly assess your financial ability to repay the loan. Think about whether you can make payments if there is a crisis, if you lose your job or if there are any other troubles. As a rule, these troubles come unexpectedly and from the desires of the borrower are completely independent. Buying something on credit, be sure to have any financial reserves - money savings "for a rainy day" or additional sources of income.

2

Do not take a loan in the first bank you find. Thoroughly study the proposals of all organizations. Immediately dismiss proposals from banks that are too far from home or work. Pay attention to the work schedule of the institution, the number of branches in the city, the availability and the remoteness of places where you can make another payment. Find out how you can make payments without commission - the more of them, the better. Many banks have a standard loan agreement on the site. Read it until every letter of this document becomes clear. The meaning of all questionable and incomprehensible phrases is explained by the credit expert. Even better - take this contract to a lawyer and ask him to point out all the pitfalls and ambiguities.

3

Be sure to find out what will happen in casedelay in payment and in case if there is no longer a possibility to pay. This question can be found both in the bank itself, and on the Internet, according to the debtors. Keep and never lose all documents relating to the loan: a contract, all its applications, receipts for payment. Never take a loan in foreign currency, even if interest rates on them are very low. Never give bank employees telephones to the boss and relatives. Even in the event of a delay in payment, they will be troubled, and you can quickly lose your job and spoil your relations with your relatives.

4

If there is an opportunity to repay the loan ahead of time -use it. After paying the loan, make sure that the credit account is closed. Better still ask for a document stating that there is no debt to the bank, and it has no claims. Until you pay, always have in the stash the amount equal to two monthly payments for a mortgage - equal to six payments. In case of force majeure circumstances, this will save you from problems. In the case of a credit card, connect to all remote services - Internet banking and mobile banking.

Tip 2: How to Issue Credits

When making a decision to grant a loan, it is necessarya personal interview with a person. Banks are considering various options for checking for solvency, but they all follow the same principle: it is necessary to identify the intention of a person not to pay a loan or an inability to pay a loan, if any. For this, it is necessary to carry out a number of procedures that can reveal both the material and psychological prerequisites for non-payment of a loan.

You will need

• - position of credit specialist
• - a computer
• - workplace
• - authority to make a decision to grant a loan

Instructions

1

First of all, it is necessary to find out from a personthe purpose for which he takes credit. If the goal is the goods that a person buys - it is necessary to find out what he needs. At the same time, it is necessary to observe the informal tone of the conversation and express kindness, so as not to cause suspicion.

2

Checking a citizen's passport is also a necessaryformality. The number of transcripts, the quality of the passport, the marks - all this must be subjected to the most careful analysis. Too many stamps on registration and discharge, a passport in shabby condition or a passport issued at a time that is inappropriate for the time should cause reasonable suspicions.

3

Ask the person about his work. It is necessary that he worked at the place of work on which he is now, at least three months. Ask for the phone number of the job and the name of its immediate supervisor, it's best to check the compliance of information with the facts right there.

4

Ask the person if his loan is nottoo large, find out how he is going to pay it off. Determine whether his story is clear, clear and logical, or incoherent and insecure.