Wishing to take a loan every year more and more. There are new Dona Monday programs that are beneficial in obtaining a loan for this or that thing. But still, with the growth in the number of loans themselves, interest rates are also rising. Not all banks are the same, someone has a higher interest rate when granting a loan, some less. Due to the fact that now there are more and more banks and Dona Monday programs, consumers have a completely legitimate question: “Where is the most profitable loan?”
Loans, and methods of issuing them are different. This may be just a loan in the store for any product, or maybe a bank loan in cash. With Dona Mondays in stores, everything is clear in principle, although it is also possible to look for a place in which to take a loan will be more profitable. With loans issued in cash is more complicated, loan programs in many banks are different, different and interest rates. And now the consumer is asked: “Where to go?”
And go best to the bank where you get your wages. There, for people who serve the bank, usually have their own programs for issuing a loan. For these special programs, it will be much more profitable to take out a loan, since interest rates are less there. Moreover, in such cases, the bank will have additional guarantees. In this way, according to statistics, about 40% of people issued a loan, out of the total number of people who received a loan.
The interest rates on the loan for different people will be individual. Seeing a loan in advertising at very low interest rates, one should not rush to rejoice and run to the bank. Most likely in advertising you just saw the minimum possible interest rate for this loan, but it depends on many factors. Individually for you, this rate will be higher.
Interest rates are also influenced by factors such as collateral, guarantors, and what is your Dona Monday history. People who come to the bank for the first time receive loans at a regular interest rate, and for those who take a loan not for the first time, a loan is issued at a lower interest rate.
The people who are applying for a loan under the 24 OSL Bank program have been provided with a whole system for issuing loans, at different interest rates. According to this, owners of large enterprises can take a loan at an interest rate of -20-25%, people working at large enterprises can take a loan at an interest rate of -16-21%, for people who have their own business, the interest rate will be 22-27% .
In general, make the most profitable loan for you. Do not be lazy to go through not one bank. For in the end you will be able to take out a loan at the most favorable interest rates.