Those wishing to take out a large loan to the Russians first is to find out your future monthly payment and the next two or three months to postpone this amount, the result of a prospective borrower will be able to test their debt burden and form a safety cushion, said RIA Novosti President of the National Association of professional collection agencies (NAPCA) Elman Mehdiyev.
He also advises to conduct a "credit test drive". "The customer should notify the Bank with a request to calculate the monthly payment and for the next two months to defer this amount, that is, to feel whether he will be able to pull this debt load, than it can save. Two months formed a clear understanding that much is feasible, simultaneously, accumulate the necessary safety cushion" - said the expert.
Clients of Sberbank will be able to purchase goods on credit, having it over the payment terminal when paying by card at the checkout of shops, you do not need to produce any documents, the Bank said.
"Service "Buy with the savings Bank" has expanded its capabilities and now offers clients a lending offline purchase from retail stores. Clients of Sberbank can apply for a loan to purchase a product directly on the store checkout. The whole process takes less than 5 minutes", - stated in the message.
To return from vacation with no new debt, it is necessary to postpone part of the vacation pay amount for payment of utilities, to plan the trip and costs in advance, but first of all, you can't rest on credit, told RIA Novosti expert of the National center for financial literacy Elena Feoktistova.
Also, according to the expert, you need to plan spontaneous spending and to explain to the children that "throwing money" can interfere with buy something more important. "On vacation where a lot of temptations, the children will be easier to learn, especially if you can demonstrate sound financial behavior," she added.
Some Russian banks are planning to lower mortgage rates, while a number of players had already improved the conditions for such lending and further decisions in this area will depend on the market situation, the survey of credit institutions conducted by RIA Novosti.
On Tuesday the savings Bank has lowered rates on mortgages by 0.5 percentage points. According to the Deputy Chairman of the management Board, Bank Vozrozhdenie Natalia Shabuninoj, the credit institution is considering the possibility of reducing in the near future interest rates on mortgage loans on both the primary and the secondary housing. Bank "Zenit" will soon reduce the rate "classic military" mortgage, said Deputy Chairman of the management Board of the Bank Dmitry Yurin.
Almost half of Russians, who took a loan, never been married, and married people make up 37% of the total number of borrowers, the study says the financial online platform Webbankir, which is available to RIA Novosti.
The company conducted a study based on the analysis of more than 100 thousand loans across the country. According to Webbankir, 13% of borrowers of MFIs are divorced, about 2% are widowers.
Lenders from 1 July will have to post registry "Medresurs" information about the involvement of collectors for recovery from debtors of overdue debt, such amendments to the legislation come into effect on Wednesday.
Creditors within 30 working days from the date of the attracting manifold will have one message to make the registry information about itself and the manifold, number and date of the contract, the debt on which you want to recover, as well as the surname, name, patronymic, series and number of the passport, an INN of the debtor. Other information about the debtor to disclose prohibited.
Microfinance institutions were more likely to refuse the Russians to grant loans: the failure rate on the market is from 70 to 85%, whereas last year the average was at 70%, calculated for RIA Novosti in the financial marketplace "Юником24".
They also indicated that the MFI borrowers quite difficult, in principle, confirm to the lender the existence of the work and provide an income statement. According to various estimates, only 20-30% have the opportunity.