A consumer loan is a loan granted directly to citizens (households) to purchase consumer goods. This loan http://usapaydayloans.info/ohio/toledo/ is taken not only for the purchase of durable goods (apartments, furniture, cars, etc.), but also for other purchases (mobile phones, appliances, food). It acts either in the form of the sale of goods with deferred payment, or in the form of a Bank loan for consumer purposes, including through credit cards. At the same time, a fairly high percentage is imposed. Typically, consumer credit is accompanied by additional fees and charges that increase the actual cost of the loan and create a so-called hidden interest rate. Therefore, the choice of a loan in this or that Bank, the origin of the established interest rate on the loan, may not always be the best. In this case, it is necessary to manage the calculation of the real cost of the loan (effective interest rate). Necessary documents to submit a loan application, you must fill out a questionnaire in the branch of Sberbank. This will be reviewed within a week and will provide an answer. In the case of registration of the loan will require a set of documents: passport of a citizen of the Russian Federation with the specified place of registration, form, 2-personal income tax with data on the place of employment, certificate of income, documents on the property offered as collateral or passport of a person acting as a guarantor. The authenticity of all these data is very carefully checked therefore, it is necessary to determine only the true information. In view of the Federal law, which came into force on July 21, 2014 N 229-FZ «on the introduction of amendments to article 6 of the Federal law «on Consumer credit (Loan)», all banks in the Russian Federation must open effective rates on loans. In other words, banks must disclose the full value of loans taking into account all surcharges and fees. Undoubtedly, this fact protects the interests of borrowers. Before signing the agreement, the client has complete information about all payments under the loan agreement on the amount of fees and payment dates of payment, which allows you to calculate the financial possibilities for the competent purchase of goods on credit.
Information taken from: https://biznes-prost.ru/potrebitelskij-kredit.html

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