It would seem that to arrange credit in bank won’t constitute the big work, but here to avoid a fraud behavior, latent “gifts” from bank it is not that simple. To everyone who has gone to arrange the credit in bank it is important to understand that the individual approach to each client is a myth. All people for them only figures in the bank statistics. Giving out the credit, they care for the income, which bank will receive from this credit. If people think that in cases of infringement by bank of their rights, it will be possible to defend them in court they are mistaken (there happen, of course, some exceptions).
Lawyers of bank have beforehand taken care of protection of bank in case of the claim from the client. As you understanding, forces in this case won’t be equal. Especially, the person who has addressed for the credit in bank obviously has no means for attorney’s fees, work of the lawyer for upholding of the rights in court. It the growing prices, shortage of money and all experiences connected with it much more worry. Therefore the person pays the percent, the latent commissions, and penalties only to avoid hassle. Certainly, after such bitter experience, the person will find time to study every possible reefs and will choose to itself a suitable bank.
As already it was told above, banks hide “gifts” from the client more often. If you don’t want to receive them, before signing of all documents attentively read everything, ask questions if those arise, special attention devote to the text written by a small font somewhere in the middle of the agreement, any subparagraph. In this hard readable text, and at times in general imperceptible to a human eye, real percent for the credit, instead of that are written by large print in the same agreement can sometimes disappear.
Pay attention, that among set of documents you haven’t subscribed for service which don’t need and for which the bank levies an additional payment. For example – SMS informing of the client on all operations, a debt remainder under your credit. You, certainly, can subscribe for this service if consider its necessary.
Banks in the aspiration to secure from unprofitable credits in cases of its preschedule repayment sometimes amaze. That given out credits were favourable to banks, they do as follows. You ask the credit in bank at a rate of 4000. The bank gives out to you instead of 4000 – 5000. To you it is more visible that credit amount to take, but the bank can have other opinion. On hands you receive not 5000, but 4000, and 1000 at once will take away bank for the services + to this thousand, you still should pay percent for the credit.
To arrange the credit without surprises, thoroughly study all signed documents, be not too lazy to ask a question to the worker of bank and work to come into some banks and after weigh all pro’s and con’s and if you won’t have any question, conclude the agreement. Remember, anybody except you isn’t interested in protection of your rights and means.
Do you still remember those good times when practically anybody could take a loan if one needed funds? And just imagine the state of those who have to bear that burden nowadays when the economy is facing tough times. And for those people having loans the issue of credit monitoring is as crucial now as never before. It is not only about credit monitoring, this also helps save money, time, and nerves and be fast in solving loan related issues. Those who are looking for a spot where to learn about credit reports, are welcomed to visit this credit report monitoring site – there is much information about credit monitoring and how to order the service.
Also we shouldn’t forget about possibilities provided to us by modern technologies. The Internet network provides us with a truly unique opportunity to find what we require or to obtain anything at the best price on the market.Credit, credit monitoring, credit report, Loan