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Category: Finances

Date: a month ago   Category: Companies

Time to build: where to take funds for "the house of the dream"

Citibank offers favorable programs of crediting of the Photo: shutterstock Traditionally is considered that the fall and winter are time of financial accumulation, and summer — the period of expenditure. And really, it so. Plans for summer include also a holiday with trips to the sea or travel, and cares on arrangement of the seasonal dacha, and it is possible, and construction of "the house of the dream". However for serious plans, such as construction of the house, what has been postponed and saved up during the winter it can appear insufficiently. As it is more correct to arrive in this case: to continue to save some more years or to find means and to start resolutely business? Experience shows that the last will be very frequent more reasonable. First, you shouldn't put again life "away for later". And secondly, there is such concept as the missed benefit. If it is about construction, then it is just that case: inflation reduces accumulation, and construction materials rise in price every season. That is why it is better to build at once, and "for later" to plan accumulation and return of the borrowed means. It means that it is worth thinking of the consumer loan which has become the tool, quite popular with Russians, in the last decade seriously. Decide on the sum and the srokomsumma which the bank is ready to provide you for a period of one year up to five years will depend on the documents confirming your solvency. So, clients who have for the first time addressed to bank behind financial support can count on the sum up to one million rubles if they confirm the income by means of the 2-PIT statement from accounts department of the company (for the last half a year) or an extract from an individual retirement account of RPF which is easy for receiving online on the website of state services. The existing clients of bank will be able to count on more considerable sum. So, Citibank is ready to provide to the clients who get paid also other regular payments on the salary card of bank, to 2,5 million rubles. What the percentage stavkastavka on the credit depends on depends on different factors. For example, from the credit sum: the more sum — the is lower annual percent. And also from whether you are a client of bank. The bank does the most favorable offers to the regular salary customers — their annual interest rate will be much lower, than at beginners. Learn conditions on the website of Citibank in more detail. That who will decide to use the program of loaning up to repay credit obligations in other banks, Citibank also offers very favorable terms which allow not only to close in a short space of time the third-party credits, but also to keep a preferential interest rate for the entire period of crediting in Citibank. Influences a rate and level of solvency of the client and a way of her confirmation. On the website of bank there is a convenient tool — the so-called credit calculator. With his help it is possible to calculate previously an annual rate and the amount of monthly payment. However it is worth knowing that the final conditions on the credit recorded in the contract pay off always



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