Banks and credit

In our times of crisis and economic situation directly affects the welfare of all segments of society. This is felt especially when we begin to need a specific amount of money: to buy urgently property to pay children's education, pay off loans to start a stable business, etc. Therefore, the presence of many important question about the need to provide yourself and your family real financial support, which can very quickly take in every moment. From this position will review and analyze the existing system of bank lending. For this is the first step, which are many. Thus, the analysis shows that: 1) banks provide loans with high annual interest rates – up to 65%, and even more (with a variety of hidden fees), and 2) each turned to the banks for a client requires statement of earnings, sureties, mortgages, etc.

And This still is not certain that you will be given the required amount. And it takes enough time (and perhaps lost), 3) charge high interest on overdue loan repayments, and 4) there are certain categories of people who may not give credit: private entrepreneurs, reporting on a simplified system of taxation, health-MLM, with low wages, etc. And if, as a result of all this man still gets credit, he falls into the enslaving terms of the bank. We compare the lending terms of population in other countries, at least in the first paragraph: in Western Europe provides loans of 3-5% per annum, and in Japan and are issued at all interest-free loans. Western Union contains valuable tech resources.

Except how and when to increase rates, you can try to prove that you signed a credit agreement is a contract of adhesion and demand from him to remove the pledge items. You can go the other way and to weaken the evidence base of the bank. "Changing the value of the collateral must be documented – the evaluation report the market value of the collateral. To assess the representative of the estimated company not only expects the residential area of the object and its location, but also assesses the internal state of the apartment. Photographs taken at the facility, applied to the evaluation report. In the event that the borrower do not let the appraiser in the apartment, accurate and reliable assessment report to be difficult – you can only be to estimate its cost, which, naturally, can not serve as proof of the position Bank of the court ", – said Sergei Kapustin. The counter real estate appraisal commissioned by the bank, you can use the services of other evaluators – it is possible that they determine the value of your apartments more expensive. It is possible that the court will take into account the results of your evaluation, rather than banking, and then at least you subtract the amount not covered by the guarantee, and maximum bank generally will be deprived of evidence to suggest that collateral fell. There is another risk – in case of deterioration or threat of deteriorating financial condition of the borrower's bank may demand repayment or to make dopobespecheniya.