Which loan is the most profitable?
Last year, according to statistics, 75% of Russiansthey said that they did not want to live on credit. This year, there were 56%. These figures indicate that more and more people trust banks. Experts attribute this in many ways to the law, which obliged banks to call a potential borrower one interest rate, rather than 4-6, as it was before. Remember that interest on the loan increased significantly when they were added a one-time amount for service, monthly account maintenance, etc. Now the bank names the interest on the loan, and it is final. In the event of an infringement, the payers turn to the court, and win the case, receiving full compensation. Therefore, it remains only to find out which loan is the most profitable.
Mortgage credit lending
Very right those customers of banks whoargue that the most profitable mortgage loan. And the truth is, he has a low interest, a small initial amount, and he is given for a period of 10 to 30 years! If we take into account inflation for 30 years, what will happen is that the bank will remain in the red, and the client will gain many benefits. If the interest rate of consumer credit is on average from 19 to 22%, then a mortgage loan can get to you with an interest rate from 10.2 to 15-16%. The advantage is for those who have a large initial sum on their hands, and who takes a mortgage for a shorter period. You can also take a mortgage in a social mortgage company that works in almost every region. They have the lowest interest rates, but a huge package of documents is needed for consideration. When deciding where the most advantageous loan is, one should also think about the bank's reliability, it is better to give preference to a bank that has a share of state capital.
If you want to find the most profitable loan forauto, then you need to look at all the same parameters as for a mortgage. Interest rates on car loans are also about the same, 10-12%. You have to understand that until you pay this loan, the car will be owned by the bank. You can not sell it. If your plans include this, then it's best to take a simple consumer loan.
Before you look for a bank, you need to understand, and whichit is advantageous to take a loan for you. For someone, a smaller percentage may be a benefit, for another person - the lack of requirements for permanent work and official income, and for the third - the speed of delivery. If you are still interested in saving, it is best to contact an ordinary, proven bank with all the standard requirements. Most often borrowers take a simple consumer loan, the average rate for it is 22%. If you think where it's more profitable to take a consumer loan, then stop on the tested stable banks, take for a longer period, which can be repaid ahead of schedule.