With development of consumer crediting there are new forms of fraud to get money. For example, an attacker could exploit the passport of any person and with the connivance of employees of the Bank to issue to that person a loan. After that, the victim of fraud can prove their innocence?

Loans come into our lives stronger. To take a loan becomes easier and easier with each passing day. Banks are once again offer a variety of lending options, focusing on the most requested needs of our customers. And since some categories of citizens it is difficult to provide a certificate that reflects their real income, an increasing number of banks goes forward and does not require this document. But there's a few nuances.

Loan credit means the Bank has long been a common form of urgent financial problems. But relying on credit, remember that you will not be able to obtain any arbitrarily large sum. To minimize risk, banks limit the issuance of money subject to the creditworthiness of the borrowers. There are many ways of calculating the maximum amount of creditthat use different banks.

In the business practice widely used loans between legal entities, issuance by enterprises loans to its employees, founders or third-party nationals. Loan can be provided on a grant basis, and with payment of percent for using means.

Banks are very reluctant to give loans to pensioners. But, nevertheless, these loan programs occur. Loyal to pensioners banks are based on the fact that they are the population group with good financial discipline.

Are you interested in the difference between a loan from a loan? For that, you should consider the economic nature of such relationships and then everything will be absolutely clear.

To calculate the interest on the loan - the problem is simple only at first glance. For this it is necessary to know the system of calculation and terms of crediting of the Bank.

Today, every fourth Russian family has outstanding credit. However, about 11% of the loans are overdue. What is the danger of unscrupulous borrowers and any sanctions provided by law?

The need to report to the Bank about how it has spent funds occurs only upon the receipt of targeted loans. Liability that threatens the borrower for misuse of money prescribed in the loan agreement.

According to law No. 229-F3 "On enforcement proceedings", the investigation of a debtor engaged in the bailiffs if the court decision on recovery of debt and obtained a writ of execution. If no court orders should apply to the court statement, IOU or loan contract and start legal proceedings for the repayment of a debt.

Financial difficulties can seem insurmountable, if it is necessary to return the debt on the loan. To refuse to pay, as you can lose quite a lot. The problem can be solved in different ways.

The birth of a child is a good occasion to improve their living conditions. But if a woman is on maternity leave and plans to purchase new property on credit, will make it very difficult.

For many people to save money on a major purchase is much harder than to get the funds a loan and then gradually give them up. In the West most of the population lives on credit, and this is understandable, since annual interest rates in local banks up to 10%. But the Russians are gradually drawn into credit card debt, although the interest rates offered by banks to physical persons, as a rule, exceed 20%. The only way to reduce the credit burden is finding a Bank that will offer the money at lower interest rates.

For getting the loan cash is often required to present a certified copy of work books. However, if for any reason you are unable to provide it, there are banks willing to cooperate on such terms.

Loans have become increasingly popular banking service. But it is not always possible to obtain financing at a favorable rate. In this case, you can remedy the situation by reducing its overpayment on the loan in different ways.

Postponement of payment is one of ways of debt repayment, on which date the same is transferred for a fixed term exceeding the terms of the contract. This concept is applied in consumer lending, retail and wholesale trade. Its calculation depends on the amount of loan granted and the creditworthiness of the client.

The extension of credit and receipt of deferred payments under the loan agreement – the dream of many borrowers who were affected by the crisis and who are unable to pay off the Bank. As a rule, banks are going to meet these customers, because otherwise the risk of non-repayment of the loan is very high.

In the "Connected" you can buy a mobile phone, tablet, camera or any gadget, even if there is no required amount to purchase. Just enough to make the initial payment and take the goods on credit. The loan is available directly at the point of sale and online store of the company.

During the crisis, banks began to raise rates on all types of loans and fines for overdue payments, thus minimizing the risks incurred. When the economic situation in the country was stabilized, interest rates on Bank loans began to decline. In response, enterprising borrowers apply for the loan at a disadvantageous rate, began to look for options to refinance the debt. Can actually benefit and reduce costs, having refinanced the existing loan in other Bank?

The law on protection of consumers ' rights allows the buyer to return the moneyif goods prove to be defective or fails to meet expectations. But what if the returned item was purchased with a loan?

The problem of reducing the loan payments can be relevant for those who are just planning to arrange a loan, and for those who have a valid credit. To reduce the size of the loan payments in several ways.

When issuing loans, banks seek to minimize risks of non-repayment of debt, so take into account not only the financial condition of borrowers, but also analyze its past.

Today, competition in the lending market is large enough, so to access the loan money easily enough. A simplified procedure of obtaining a loan involves execution of application in a short time and with the minimum package of documents.

Your friend asked with an ambiguous request to become the guarantor of the loan. To deny uncomfortable. And that can happen? Comrade has a stable job. The contract is an empty formality. Take your time. Ask what he will do in the event of a life-force majeure? It is once the borrower to defer payment of payment Bank immediately remember the one who vouched for him. Your shoulders will bear full financial responsibility for the loan.

Gradually the Russians are accustomed to live on credit, as do the inhabitants of developed countries. A loan may be required to purchase houses, a new car or other major purchase. We can take credit in any Bank, but if your ability to pay is drastically reduced, will have a serious problem - the inability to make mortgage payments.

The entire overpaid amount via the loan you can return. Method of refund depends on paid, whether the entire amount of the loan or overpayment arose on current payments. In any case, you must contact the lending institution with a statement and receipts of monthly payments.

Currently, banks and other lending organizations offer different auto loan programs. However, most of them provide loans for purchase of cars.

Is it possible to get a loan with damaged credit history? This question interests many borrowers, because each can occur different situations in which it will not be possible in time to pay for the loan, sickness, delayed wages, dismissal, etc. As a result, damaged credit history. To obtain the next Bank loan will be more difficult.

Alfa-Bank is the largest commercial private Bank in Russia. Across the country located 127 offices that offer deposits and lending to individuals, individual entrepreneurs, financial institutions, large and medium-sized businesses and investment banks.

Loans long ceased to be something unusual and frightening. Advantageous conditions of consumer loans and lower interest rates provide an opportunity to make dreams come true here and now, not waiting until the coveted amount will be accumulated. Most banks offer consumer credit, including the famous Alfa-Bank. To repay the loan to Alfa-Bank is very convenient, there are special terminals.