Currently offers like loansfor students, is no longer news. University students can purchase the necessary thing in installments or arrange a bank loan for the purchase of a product. A student, one might say, life is not sugar, since it is deprived of many. Buy a car or a modern technology such as a laptop, he can not afford.
However, there are financial institutions wherestudents are given a loan and a reasonable interest. But a number of questions arise. Is it safe to take on such a burden as a loan? Under what conditions should you not sign a loan agreement?
Student borrower
Conceived, then you take a bank loan.You thought that from month to month you need to repay the interest on a consumer loan, and provided that you are a student and live on a scholarship alone, you can hardly believe in a happy resolution of this situation. It is quite another thing if you have a permanent job, which is well paid. In this case, you can easily save a part of your income to pay off interest on obligations. Such a measure is effective and will save you from additional costs.
Overdue loan
It is worth noting that by providing loans forstudents, banks in detail prescribe in the documents all the financial details of the transaction, including the payment of a penalty to the lender (the so-called "penalty"). So, under the condition of non-payment of interest on the loan, the amount of payments on the loan will grow from day to day and may exceed the initial one at times. Therefore, without paying interest once, next time you will not be so rash, knowing that penalties may follow each time.
The goods taken on credit are unnecessary goods.
The result is that, taking a loan from a bankYou can pay for the product twice, or even three times as expensive. Banks provide loans for students, counting on their impatience and fervor. Otherwise, you could do without borrowed funds, and acquire the necessary thing for the money you personally earned. Not to mention the fact that by putting aside a couple of months a part of the funds from the salary to a planned purchase in the future, you would definitely determine whether you really need this thing or you will manage without it. Over time, the person who got into debt, catches himself thinking that this product by and large does not need him, but the contract with the bank has already been signed.
Before agreeing on such proposalskind of, like loans for students, a student, first of all, it is worth considering whether he can prepare well for the session, when his head is filled with how and when to repay the loan to the bank. The psychological factor dominates him. Every day a student solves many problems, and his debt obligation will be morally burdensome.
Yes, no doubt, by asking: “Do banks give loans to students?” - you can answer: of course, they give loans to all students at high interest rates.
But is it worth it to take them - everyone decides for himself.
The decision must be taken carefully, not in a few minutes!
