Many of us have times in difficult situations, wondering: 'Where do I get credit in a short time? " It seems that unless you can complain about the lack of banks, which represent different versions of lending. And at the same time is first carefully examine all proposals and not rush for a loan to a nearby bank. Get a loan urgently the easiest two ways: by filling out a credit card consumer credit; What is the advantage and disadvantages each of these ways? First, they vary a lot for lending. When you register a credit card bank employees do not you the purposes for which you needed a loan, it is on borrowed money, you plan to acquire. But the majority of consumer loans have strictly designated purpose. Be prepared for the fact that filling in the banking application form, you will see it click 'purpose of obtaining credit. " When considering a person who wants to get a loan, bank security officials unequivocally ask the question: 'What is the purpose takes the specified form the desired amount of the loan?'.
Secondly, the difference in time. Consumer Loan Bank issued on a strictly-agreed period of time (it can be from 3 months to 5 years). The loan agreement ends as soon as the exhaust period. The loan, which gives the card, the term has not. The Bank has the right to suspend credit card only for the borrower to meet the retirement age. Perpetuity for the borrower a credit card is an undeniable advantage. Because when the need arises immediately obtain the following loan, the borrower does not need to re-pass through the test, which performs the office of the bank's security. Thirdly, the difference lies in the scheme of taking a loan repayment.
By law, consumer credit borrower repay each month equal to the sum of the payments. Liabilities on a credit card is extinguished, mainly as follows: The minimum monthly payment and accrued interest. Fourth, the maximum amount of credit. On consumer credit loans from a banking institution the borrower has the right to take the sum up to 1 million rubles. Credit card borrower will be able to take the maximum credit equal to three monthly salaries it. Fifth, free period is only a credit card. But despite this, the credit card is not free for its owner. Any bank sets an annual fee for the content of the card. What a way to elect the credit – up to you. Credit for 1 hour to obtain might, but give it will require significantly more time. Therefore, before you go for a loan to the bank, reasonably priced their financial capabilities.