Today Russia has registered the order of thousands of banks. How to compare and choose the banks, which loan will be the most profitable?
Choosing a bank, first of all, pay attention to those that are in walking distance from your home or work. The closer the bank - the easier you will pay the monthly mortgage payments. Must see schedule selected branches - will be very good if Saturday and Sunday are working days.
Many banks, such as Bank Home Loan There are bonus systems and gifts for clients - it can be a free SMS notification, a drawing, or discounts at certain stores when paying the bank card.
Go to the bank and ask the credit manager the terms on which they lend to - ask about additional services, insurance of borrowers and annual interest rate. Learn about the early repayment, in different banks the conditions for early repayment may differ materially.
Pay special attention to the annual percentage rate on the loan and the overpayment. Sometimes it may be that the percentage of the loan is very low, and a large overpayment. So maybe because of hidden fees for opening and maintaining the loan account, the commission for cash or issuance of the card. So look at the real overpayment, and not pursue a low interest rate. Ask your manager to print calculation results.
Go to several banks and ask credit conditions. Each bank take the extract, and the house slowly compare the conditions offered by banks and select the most suitable option for you.