Early repayment of the loan does not affect the credit history.
To begin with, we will discuss three myths.
Myth No. 1. Banks are chosen for those who pay the fines. This is true, is true, but only for a short time. Any interest-bearing banks will have to pay interest-free penalties in the form of interest-free fines specified in the Special Commission. Usually, the amount is about the loan, but it is essential for the board – from 1000 to 30 rubles. However, this practice is illegal, and the banks have stopped paying the commission. If your lender is trying to provide an additional account, contact Rospotrebnadzoad.
Myth No. 2. Early Payment – Excessive Debt. Credit history of holiday products. This isn’t very sensible. Of course, for the members, the initial repayment of the loan is not profitable, but the client does not violate a single point of a contract. Accordingly, nothing in the credit history brings about anything but legal obligations.
Myth No. 3. Banks often cause problems with the repayment of loans. The loan cannot be deducted in advance just like that. I contribute more money than you give in the contract, changing one of the problems. Accordingly, the Bank must comply with these changes legally. At least a new payment plan. From here – the need to visit the office.
When will the loan be repaid?
The loan is always borrowed from real life, and no loan can positively affect the borrower’s income. Any loan is a loss of interest in interest payments. This is the perfect rod. Accordingly, the initial repayment of the loan is beneficial for the borrower in terms of theoretical handicrafts. And the longer the loan period or, the higher the demand, the better the benefits. We will examine the situation in more detail.
Suppose you have taken out a consumer loan of less than 30% of payments for three years. In this case, most of your monthly payments before the end of the first half and half are probably in demand! That is, they are simply interested in the Bank, believing that they are expecting a loan and expecting a loan.
Accordingly, at least in the “body” part, those who repay the loan at least in part save more on monthly payments.
Do you think consumer or car loans are more characteristic? Even if! Mortgage interest rates are in crisis and rising to high-interest rates. It is no secret that by purchasing less than 10 to 20% per year, you pay for the purchase of 1.7-1.8 apartments. 0.7 – 0.8% is the interest paid for the entire category period. For a 20-25 year loan, you will pay 2.5 and 3 apartments. With 15-25 years of debt growth in the region, at least 50-60% of interest-bearing loans are interest-bearing. It allows you to reduce the monthly payment amount- at least 1000 rubles or a loan period. The last option, which is more profitable for your borrower competitor, is currently relatively applicable. However, for more. The monthly payment is reduced, and you increase your income. As a result, you have the opportunity to repay any other loan in the future.
For example. They took 3 million rubles for 20 years. Your monthly salary is 41 thousand rubles. After that, they spend 500,000. As a result, your monthly payment will be 33.8 thousand rubles. 7.2 thousand rubles per month. Lot? And if we spend all our time borrowing, it will cost 1.7 million rubles.
Are pre-loan payments unused?
If my lender happens, I have repeatedly asked lenders – why do you want to repay your loan? Of course, my study is not strictly scientific, and the results are still interesting. Out of 10 people present, 10 out of 10 said. The remaining 6-7 people wanted to get rid of the loan as quickly as possible so that it would not “scratch” their neck.
Of course, there is something in this decision. The apartment (car, expensive TV) will be yours, no one else. But on the other hand, what do you pay for it?
Occasionally money is excellent. Accordingly, the Bank, while repaying the loan, supported today’s demand. For example, a good rest, buying another car, allow expensive treatment. Someone says this is a normal position, but if we live in this world, we can not be healed like Lydia Liskov.
At the same time, in Russia, he is starting to pay off the loan as an appointment for something he cannot afford. Yes, the demand for borrowers is high. But this is primarily due to high inflation. Debt and inflation were less than 13% per annum and 10%, then this year’s loan rate is 3%. Of course, this conclusion is based on the fact that you are growing your salary or income. Finally, most borrowers have incomes only as they grow, and the “weight loss” is a loan.
Finally, we have another reason not to pay the jar in advance. Remember a few people, but those few business lenders who took out the loan in 1998 after the default win – their payments have sometimes decreased. You are not a loser except for for-profit lenders, but if you do not receive a salary, you will not be offered a loan by a foreign exchange agent.
Conditional money is not necessary. It cannot be spent but invested in a bank or business. You can create an “atmosphere” that allows you to be more confident in looking to the future, allowing you to look into the future, or you will lose your job. According to the old payment statistics, lenders will permanently reduce the number of loans already made.
In general. Debt is always a loss, an additional expense. A financial loan is more profitable to pay off in the first place as this percentage allows you to save. However, if you have a small amount of money, the future does not allow for confidence, and there are urgent needs because it is better to repay your loan on time and without payments.
