Wedding is a special day in life of each person. Preparation for wedding is very hard business demanding not small means. But not always a newly-married couple has necessary means for the organization of such event. And parents not always presume to make a holiday such bright of which their children dream.
Where to take money, to make this day especial, remembered and thus not to save on trifles, after all it is a family birthday?
The decision of this problem is taken a consumer loan for this purpose. But among a range of services of some banks the target credit program is “the credit for wedding”. Such target credit is more preferable to a newly-married couple as it has a number of advantages. One of such advantages is that interest rates on such credit are a bit less, than rates on a consumer loan. Terms of repayment of such credit, too are more than at a classical consumer loan. That if there is a possibility to repay the credit right after weddings credit advanced repayment isn’t assessed with penalty provisions.
Today many wedding agencies suggest arranging wedding on credit for those who don’t have time for search of banks with optimum conditions. Some agencies have agreements with the banks, granting the right to granting of credits to wedding. But it is necessary to understand that any credit is arranged through bank, and agencies usually are only intermediaries. Therefore the credit for wedding is better for arranging directly in bank.
But before to arrange such credit, it is necessary to prepare very carefully an expense budget to know which sum it is necessary to take. It is necessary to bring in the estimate first of all those costs without which wedding won’t have that charm which is inherent in all weddings., Without fail, the wedding dress and accessories, a suit of the groom, wedding rings, invitation, wedding hairdresses and a make-up, flowers, a car lease, the banquet organization, a hall ornament, a photo, video, the host, music and many other expenses to this concern. It is necessary to put down the approximate sum of costs, having approximated them in the big party not to appear in unpleasant position. Depending on preferences and wedding level, it manages in the different sums. The most modest wedding manages from 2000 dollars and above.
After the expense budget is constituted, it is necessary to choose bank in which the interest rate and credit conditions will be appropriate. Then in accordance with the terms bank on reception of the credit for wedding, it is necessary to prepare a packet of documents.
In bank they will help to arrange correctly the request for the credit, to put the collected documents and to hand over all packet on consideration. Consideration terms fluctuate from one about three days then the decision on credit granting is passed. At positive decision, the agreement, after signing which money is deposited to account the borrower is constituted. From this point on means become accessible to their removal.
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