Currently, such proposals as loansfor students, is no longer news. Students of universities can buy the necessary thing in installments or arrange a bank loan for the purchase of a particular product. The student, you can say, life is not sugar, because he is deprived of many. You can not buy a car or such a modern technology as a laptop.
However, there are also financial institutions wherestudents are given credit and at a quite feasible rate. But a whole series of questions arise. Is it safe to take on yourself such a burden as a loan? Under what conditions should not a loan agreement be signed?
Student borrower
Thought, then you take a loan from the bank.You have thought that from month to month you need to repay interest on a consumer loan, and provided that you are a student and live at the expense of a scholarship alone, it is hard to believe in a happy resolution of this situation. It's quite another matter if you have a permanent job that is paid well. In this case, you may well be able to save some of your income in order to extinguish interest on liabilities. Such a measure is effective and will save you from additional costs.
Overdue loan
It is worth noting that, by providing loans forstudents, banks detail in the documents all the financial details of the transaction, including the payment of penalties to the creditor (the so-called "fines"). So, under condition of non-payment of interest on the loan, the amount of payments on the loan will grow from day to day and may exceed the original at times. Therefore, if you do not pay interest once, next time you will not be so reckless, knowing that penal sanctions can follow each time.
The goods taken on credit are an unnecessary commodity
As a result, it turns out that when taking a loan in a bank,you can pay for the goods in half, or even three times more expensive. Banks provide loans for students, counting on their impatience and ardor. Otherwise, you could do without borrowed funds, and buy the necessary thing for money you personally earned. Not to mention the fact that postponing a couple of months of the funds from the salary for the planned purchase in the future, you would have definitely decided whether you want this thing or you will manage without it. Over time, a person who got into debt, catches himself on the idea that this product by and large he does not need, but the contract with the bank has already been signed.
Before agreeing to the proposals of such akind, like loans for students, a student, first of all, it is worth considering whether he can prepare well for the surrender of the session, when his head is crammed with how and when to repay the loan to the bank. The psychological factor dominates him. Every day a student solves a lot of problems, and his debt obligation will be burdensome.
Yes, undoubtedly, asking the question: "Do students give loans to banks?" - you can answer: of course, give all students loans at high interest.
But whether to take them is decided by everyone for themselves.
The decision must be taken carefully, not in a few minutes!
