Ukrainians at the stage of choosing a loan should pay attention to a number of important nuances. In particular, it is not recommended to arrange a loan in a bank if there are no “on hand” at least 20-30% of its total amount, and there is also no stable income. If you do not follow this rule, you may encounter the problem of exorbitant debt load.

" This is not a real goal for a loan, but only a source of excessive unrest about whether there will be funds for repayment, ”the specialist advises.

She believes that loans can improve the quality of life of the borrower only if credit funds are obtained in order to increase assets and only if there is confidence that future income will make all payments in a timely manner. The expert advises potential borrowers to accumulate the initial contribution for the future loan in the amount of at least 20-30%.

" And even if the borrower gets into difficult circumstances and will not be able to pay a loan, he will always be able to sell real estate acquired for credit funds. That is, at least he will not remain in debt and, as a rule, will have additional funds from the sale of real estate, ”the banker believes.

If there are sudden circumstances that do not allow to serve a loan in time, then, according to Ermolova, the best decision for the borrower will be a visit to the bank where he can explain the situation. According to her, the bank will also be interested in finding a way out. In particular, there can be offered a loan restructuring.

Also, as the bankers have already advised, it is necessary to pay attention to the terms of the loan.

Banks, in particular, do not have the right not to voice customers data on additional payments, even if in the text of the contract they try to hide some payments using formulations and small font. The size of the commissions and hidden payments in reliable banks should not exceed 2-3% of the loan amount.

In addition, you need to understand that a loan rate may turn out to be either floating or fixed. In the case of a floating rate, the borrower may encounter problems with paying a loan in the future. And the optimal first fee for the purchase of housing, car or household items is from 10% to 30% of the cost.