Your attitude to credit?
We must live within our means, especially in these dangerous times. I have very distant relatives and family of interesting characters, many years living in loans taken repayment of loans taken to repay the loan...the rent is not paid, the debt is astronomical, the eviction on the horizon, all coming in the family money is spent on booze and vacations. This is a complete P, comrades. And I don't understand how insane these loans are slapped, they even authorities can't tell patients all up.No, I believe that if you are here right now are not unable to buy something you do not need it. I understand that treatment or is there suddenly not bury it, it's understandable, it happens, but to take now, in the era dive of the ruble, loans for toys, at the risk of being in the cold with a bare ass, only a complete degenerate.
better not mess with them is the depth,delay and navabelitsa,now every Bank is ready to give millions just to seduce people,so the salaries were paid decent as the loans stretched right and left
the harsh reality is that the middle class often have to take out a loan due to instability in the work
Read only the first words of Live and realized...Not!
And my attitude to all this credit and mortgage system is extremely negative.
Never took the goods on credit. I don't tend to overpay. When you have patience there is, therefore, a chance may wait for an unlimited time.
Podvipodvertov
it's certainly funny, but there are unforeseen circumstances. Many companies offer new customers money at 0% generally, it is possible to check and choose a good option here https://fin-book.ru/gde-oformit-mikrozajm-na-kartu-bez-otkazov/ and not to pobuhat all, and for example, to repair the computer if it is a working tool and income.
Yeah, very significant, of course, the answers are contingent. An adequate opinion, which is that the loan is just a loan, and it is necessary to talk not about the fact of the loan, and the circumstances in which he was taken, just a couple of pieces. Most demonstrate the mentality of the people who work for a pittance, assume that at any time they can expel the cold, and I know that probably won't be able to settle down even for the same pittance. Of course, such people to give loans - only to spoil. In reality, there are people of quite a different kind: young professionals, with a salary of 150 thousand who are convinced that they need for their work, and if for some reason they have to change it, they will gladly take any other similar company.For people to take, say, a car loan for Lam and calm to pay it within three to four years is reasonable: any slaves they will not, in any hole will not get, and in General, the costs will be pretty insignificant. Ergo: strengthen the professionalism, comrades, in order not to maneuver between slave and unemployed provisions.
Credit is a double-edged sword, as it were. If you don't have a stable income -and credit to you the bottomless pit. In the West this system for a long time.
Ioannn wrote:
Credit is a double-edged sword, as it were. If you don't have a stable income -and credit to you the bottomless pit
That is, the problem is not the loan but the person that for some reason are not able to pay it. Have credits its problem, enclosed in their essence: they took the same amount, it is necessary to return more than he took. And there are really bad loans, the so-called quick loans it is with great interest: I would have banned. And generally to give credit to the uncreditworthy - heresy )) the Bank should know who gives money...
Credit is a tool. It all depends on how you use it.
Analog for understanding.
Hammer. You can hammer nails. And it is possible to break through the skull. The hammer is bad?
For the past 10 years, use credit continually. During this time, managed to pay for two new cars, furnish apartment appliances, plus always use a credit card. Very convenient. For example, this summer, delayed the payment of the premium at work, and I was going with my wife to the sea to go. Paid for all the rest credit card, and then a couple of months off the debt.
Credit is good, the current everything must be approached wisely.
Here is an example: I took a 15-year Kia Rio in the cabin she stood 629000 plus it has dopnik and in General all came in 648. But if the machine is to take the credit on it was off 90000. Plus uboltali Manager to the AutoPlay went into the gift. Took out a loan in beteleme, where it is clear to me in Payal insurance, plus some paid SMS notification. Of course I all agreed that faster car given. Then the next day wrote an official letter about the fact that I refuse their insurance and to get SMS updates, because I have a right to mine within 20 days. The money for life insurance has been returned to the Bank account. In General, the overpayment was for a credit in the amount of 84000 RUB. I Have a colleague in February 16 th took the same Rio in the same configuration for cash at a price of 621000. The result: a loan is beneficial. I'm not that overpaid, so I still saved.
And then give an example of a negative experience in the past year the wife wanted a new iPhone, watching advertising, and there MVideo installment. Come, and then I say in installments, the price increases by 10,000 rubles. Of course I abandoned the idea to take the iPhone with them. Here take these loans impossible. This is a robbery.
The main thing to understand that the money you take someone else's, give your own.
Wing42
are you talking about uncle? You have a problem with loans?! You don't believe my words.
Sonic34 wrote:
are you talking about uncle? You have a problem with loans?! You don't believe my words.
The fairy tales and storytellers. No problem. No, you don't.
Wing42
I think the man has spoken the truth. A similar situation and I had.
And so, Yes, you're right, because storytellers are missing.
I'm all for the fact that everything is to be backed up by proof.
Loans create the illusion of happiness, giving to get something much sooner than he could with their work, or do not be mastered. Personally, my attitude is negative and always will be. From seeing friends, one married and in the credits, the second is married with a child and credits other benefit without it. I see that the risk to be left then with nothing at the loss of someone or the loss of a good earnings is obvious. The illusion of happiness until the moment when the kick life. I sincerely wish such moments, no one was.
NR-88
But the loan allows you to receive *now* that without a loan requires years of accumulation, and probably by the time of completion of accumulation of the desired amount *you* have a car/house/top pitch is not required, unless your kids 8)
Life goes on *now*, and will not start sometime in the future when you'll have the funds. To live *now*, just reasonably expect expenses and possible loan repayment.
A. Soldier of Light
Yes that's right you talk. I just have this attitude internally towards them. I the essence of of loans know this. They essentially can reasonably take the period of one year for example, knowing that will pay then all. A friend so her phone is bought on credit and in principle such a rule. But friends mortgage, any miscalculation will leave with nothing, given that the family already. Thanks to the loan I saw and from how my friend had decorated the place himself making repairs, creating a sense of comfort as wanted, and now wife. Settled in with a loan of the neck invested. So of course, the pros of credit - convenience, comfort, useful items, vehicles and items *directly* or *now*, but the disadvantage is the risks of a bad credit history and the chance to be left with nothing if life took earnings, threw problems and other things. In fact everything in life is a risk and he can't go anywhere.
NR-88 wrote:
A friend so her phone is bought on credit and in principle such a rule.
Your friend is stupid beggar.
Excuse me.
To take phone on credit... it's pieces.
The loan must be taken on a long-term purchase, apartment, car, etc.
Too large and stupid to collect them in the pod becomes almost impossible. And with one RFP will not buy.
And the phone in General so not necessary to borrow it, it's the shame.
Attempt to seem cooler than you are.