Just for families is a consumer credit can be an important support in life. The demand for important consumer goods, or the family vacation is now, and exactly today, and not in half a year. The family needs the money, since there is no discussion. Often a family can’t wait until the money was saved up. A credit can also be useful to acquire a higher-quality holiday. A loan is a useful Instrument to fulfill his wishes.
- 1 types of consumer credit
- 2 The Bank’s Credit
- 3, The Merchant Credit
- 4. conclusion
Types of consumer credit
First of all, there are two forms of consumption. The first is a consumption of consumption. If you every month, be a line of credit exploited because of him for the daily thing of life needs, then should the family of your life-style to check. A line of credit is the easiest consumer credit, but also the most dangerous. You get used to a standard of living does not match income. Either one is then reduced to its claims or, ultimately increases his income. The line of credit, the still quite expensive, should be the exception. He is then justified, if, for example, payments to be made, but not for the family vacation thought.
The other case, the cost of consumer credit is
Household appliances make life for a family. A washing machine, a dishwasher or the good stove are essential elements of the home. Here, it should not be saved
– Also not in the family formation phase, in other words, if Junior has logged in.
– Many families look forward all year to your family holiday this should not be renounced, to escape from everyday life.
To be able to here are the things to pay, it is worth to take a variety of consumer loans to the calculus. Only the line of credit, you should not take for such purchases.
He is too expensive and could be at any time reduced by the Bank.
The Bank’s Credit
The Bank credit (online) for a quick and easy application very well. You need a proof of income and credit checks. Sometimes the Bank wants to know, what because of credit exactly is needed.
Advantages: The credit is exactly on the financial possibilities of the family matched. The Rates fit together with the income, the Bank has the best Overview of the possibilities of the family and can optimally advise you. No Bank is interested in over-Indebtedness of their customers.
A further advantage of the freedom of the customer. With money in Hand, just a different Position. The Bank credit can then be used in total than the cheapest credit.
More statistics can be found at Statista
The Dealer Credit
Often, dealers offer a home loan for your goods/travel. This has its advantages as well. You don’t need to go to the Bank often needs no collateral and no proof of income.
The dealer credit there are often as a Bundle with the goods/travel. Also here you have to get into the small print.
For the consumer, is actually a number of important: How much the cost of the credit total. Sometimes the final price of the consumption good is identical with the price, if you would have paid directly.
A good tip is, if you compare with other merchants. What the device costs with the same Service of a road? Overall, it makes the dealer’s credit, a lot of things right, the dealer has an interest, to make the business. You need the device now and.
A consumer credit prudently for purchases is right and saves a life time and online you have hardly any expenses. In addition, you can also, of course, money from friends and Acquaintances to lend. Perhaps the grandparents in the case of some of the acquisition with the help of in addition. The family Council should be about the right shape decide.