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loans interest-free loan. That will result in a loan at 0%.

It sounds tempting: « free credit ". In practice, that the demand for credit at 0% increase, and it is made more frequently than conventional loans., although costs, ultimately, expensive. Today more and more banks offer such service and of course we can not help but wonder what is the benefit of their lending on interest-free loan.

According to the law Ukraine credit - is provided by banks or other financial. agencies to use the money to businesses and individuals on different terms and interest rates. In accordance with Article 49 of the Law of Ukraine № « On Banks and Banking », the bank is obliged to take interest on loans, except as provided in law cases.

lender will take its not even on the percentage of your loan, but due to various commissions, increased costs for design and additional expenditure included in the contract. Here they are, pitfalls, and then, on what "hot" banks with interest-free loans:

- Commission for consideration loan application and registration of the issuance;
- a monthly fee for maintenance of loan accounts and credit support;
- supply and maintenance of credit accounts;
- income from operations with plastic cards;
- monthly fee for insurance clients;
- fee for the loan in cash;
- dealer service fee;
- a share of the income dealers, insurance companies, dealers, etc.

Here are some tips to help you avoid becoming a victim free loan:

- Before signing the contract carefully and understand all conditions. With special attention shall to the items spelled out in small print and marked with an asterisk.

- Let you to calculate the exact and final amount of the monthly payments.

- The Law on Protection of Consumer Rights ", you must provide detailed information on interest-free loan and explain that it represents the concept.

Be vigilant and do not forget - Free cheese comes only in a mousetrap.

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That there is an interest-free loans for housing

interest-free loan for housing . On this dream of many Ukrainian families, who may become members of the state program of youth housing loans. However, those who fulfill this dream - such privileges not at all happy. Some families have for several years to give the bank the money for an apartment, which is not. The situation is studied - Alla Matyushok.

how much to pay yourself, how much should the state. All these cash formula Igor already knows by heart. In 2007 - after 10 years of waiting queue - his family has received interest-free loan for housing from the state. Two bedroom Apartment in Vasilkov Kiev region. Who will construct - identified by the Fund of the youth credit. And since Igor and Natalia have two children - committed pay 25% of the price and costs Gosstroi. But the market - above. And the difference - 1600 hryvnia per square meter - lay burdens on borrowers. It has been three year - no money, no apartment.

Igor Levchenko, a resident of Kiev:

- I borrowed a lot of money to pay - until now. We are 66 families in this house only. We paid money to the developer, the Fund transferred the money the developer. He had not spent the money, where cases are unknown. But if the state structure actually wins the tender, probably someone for something responsible.
Three years later, it turned out - the company "Ukrzhilostroy, which won state-tender - no building permits. Of the six homes in Bucha, Vasilkovo and Boyarka - the company has not built a single one. This is a real scam - as "elite-center", - says Igor, - only the state.

More one person who believed the state structures - Natalia. She received a loan to fund another program the youth credit - partial compensation. In this case, - People take out a bank loan, and the state returns the lion's share of interest - at a discount rate of NBU. But a year as a family Natalia - does not receive a penny of compensation. For the bank it - no argument.

Natalia Kompanets, a resident of Kiev:

- Roughly all proceeds go to a family, to give credit to the bank. Very many families are now on the brink. Want to get rid of this apartment, give the state. They barely survive.

On the problems of people in the fund - known. Say last year - the budget did not include funds for compensation for interest. This laid - all the necessary sum. Yes, and promise to repay the debt. But the question - Where is the money of those who invested in the construction, - answer: it is necessary to ask the previous management of the Fund.

Leonid Rysuhin, Chairman state fund promoting youth housing:

- How to deal with these people. A commission, which examines the state of affairs. We have the same application. Initiate treatment in the law enforcement agencies in order to understand the situation, figure out where these funds.

current leadership of the Foundation says - In the future will not communicate with the construction companies that have a zero degree of readiness at home. But such as Igor - are advised to seek the truth in court.

Alla Matyushok correspondent:

- Cheated State people promise - if in the near future will not get housing or get your money back - dwell right in the office of the Fund and the Presidential Administration. Meanwhile, the government - not by running to the end of one program - Youth lending - has adopted a new - Affordable housing.

Source: http://podrobnosti.ua/podrobnosti/2010/07/14/700951.html

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How not to pay the loan

Today, Ukraine is experiencing a new vlonu old methods of evasion from payment of loans . What methods will not only come up with the debtors of banks - are changing the country of residence and citizenship, pass homeless debts to obtain insurance special port imuschetsvo.

Is there a scheme to allow banks to legally avoid paying on the loan?

"The most popular method - the gulf without a trace, or leave country "- said Grzegorz Kopaniazha, director of Credit Collection Group. That may change nationality, to replace identification documents. Some even instsiniruyut death, of which collectors and banks to inform relatives allegedly deceased borrower.

It is worth noting that many in the past received a mass distribution scheme is no longer valid today. For example, not so often occur specially rigged car accidents, because the insurance for a broken car Now pay very reluctantly.

hand-increasing popularity of newer schemes - the bankruptcy of entrepreneurs-physical persons. According to the law "On restore the solvency of the debtor in recognition of his bankrupt "if the debtor has been declared bankrupt, his property is sold and the proceeds from the sale distributed to creditors by the court. The purpose of the scheme is that if a loan from the sale of property not covered completely, then the loan is written off. A few months and 4-5 thousand dollars this service now provides a lot of lawyers. That's when they are extremely reluctant to admit that it is directly svyazono with criminality - A fictitious business and fictitious bankruptcy of the enterprise.

now under active discussion on various articles of the Civil Code Ukraine, on the basis of which could be recognized credit contracts invalid. For example, Article № 652 permits avoidance of the contract at a much changed circumstances, what guided the parties at its conclusion (eg, devaluation). And the precedents of avoidance treaties on the basis of this article is already there.

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What will happen with the Ukrainians on the market Lending in 2011?

Experts predict rate cut to 2% per annum. The most popular will be used unsecured loans and car loans.

Certainly one of the main factors lowering the interest is a credit activity of banks in the deposit market. The available loans will be only after reducing deposit rates. Positive growth of deposit base, together with a reduction in the cost thereof, facilitate a decrease in lending rates.
also holds excess liquidity, which have a significant impact on banking policy.

trend of tightened by testing solvency in 2011 continue as before the "crisis" loans are often issued to people with bad credit history.

Big Splash popularity predict auto and unsecured loans. On unsecured loans are now in great demand and profitability, and due to the large pent-up demand will gain momentum and car loans.

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bad credit history or the reasons why it should take care

credit history is very easy to spoil, and that's correct - quite the contrary. Why do we positive reputation of the borrower? What could be the reason to maintain the good reputation of the borrower:

It may not be allowed abroad.
In 2009, President Ukraine requested the publication of the decree banning travel abroad to persons who have not repaid the debt to banks. NBU, in turn, rekomedoval banks initiate lawsuits against neplatilschikov to ban travel abroad.
In what will neplatilschikov Travel Abroad, first no one believed, but consequential, rapidly developing events quickly dispelled this misconception. Almost immediately, Ukrprombank filed a list of all the "black" borrowers in the border. But most interesting is that only on the border you can see that you are forbidden to cross it!

Hide bad credit history will not work.
In Ukraine five BCH (credit bureaus), and because they are all working with different banks, all the known method of obtaining the loan, even if you already have to some bank - a reference to another lender.
Therefore, if a borrower to the bank, which is not cooperating with the bureau, which holds its "black" credit history, then it may well give a second loan.
mechanisms to eliminate such a possibility does not exist yet. Mechanisms that eliminate such possibility does not exist yet. Rather laws that allow exchange between the Bureau of credit histories is, but in practice it does not work.
Today, however, banks understand the importance of what is needed to cover the doors to this loophole, and almost all of them regularly transmit data on their neplatilschikah. Likewise, the presence of other Tool helps banks correctly identify the solvency at the time of filing.
Hoping that time, "heal" your bad credit history, too, no, because the assurances of some banks, they keep the history of 10 years. And in principle, nothing prevents them to keep them longer.

Future possible unification of the credit bureaus .
Yes, today the CRB earn good money by selling information about unscrupulous borrowers. But the viability of situation on the market just need to obedenenie! Virtually all experts in this area are unanimous in their opinion that soon we can hear the news about these obedeneniyah. In any case, would be such a obedenenie possible in the near future or not, this market has to evolve as it develops and to receive assistance by law.

CRB will be protected by law.
authorities did not stand idle in this matter. In the parliament and the Cabinet of the country well aware of the importance BKIV June 2010 the Cabinet of Ministers was filed the bill to the Verkhovna Rada, kotoly must give access to a BCI STA - State registry, which maintain the identification codes of Ukrainian citizens.
Although future developments and focus no longer on the unscrupulous borrowers, and to end falsification of certificates of income and codes, the direction of future legislation is completely predicted - lobbying the interests of banks and BCH, but not borrowers.

Uniform Registry of Borrowers.
In Ukraine, since 2002 the Registry of Borrowers "- the information system established by the NBU, accumulating information on borrowers who need more than 10 000 hrn. After ten days from the date of enrollment in the borrower's debtors, the bank must transfer the data to the Registry National Bank, at what It is obligatory and the transmission of information about the founders, if the legal person. But today this system has not yet dokontsa debugged.

Loans are urgently needed.
Many people have already formed a negative attitude to credit, largely due to past financial crisis, when banks in the unilateral order to raise rates on loans. But now it is banned, and cases where loans are urgently needed after all there is. So do not neglect their credit history and can easily choose from an abundance of options for banking proposals.

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Making unsecured loan

unsecured loan, a sum of one thousand and thirty thousand UAH. offers a variety of banks. What will it take, if you in a short time needed funds, we will describe in this post.


Registration

order for an individual to issue such a loan is required:
- passport;
- an identification code;
- the income statement.


State Employees. structures easier to obtain credit, because they do not need for this bail, while employees of commercial organizations will be needed to further confirm own pay. Employees of commercial companies will need to find a guarantor or to accept the reduced amount of the loan. Refuse in obtaining a loan may only if you have a negative credit history if you have filed false papers, or if your monthly amount of payment made over a third of the official salary. Well there can be other reasons for the refusal. Naturally, your benefit will affect the paper confirming the additional income. Any additional sources of income, notarized, can play a crucial, positive role in obtaining the loan. The greatest amount of unsecured credit extended by banks today, 15-30 thousand UAH.

Before you take the unsecured loan you need to carefully think over. If have decided, consider the possibilities and aware - in cash loans banks impose three main types of fees:
- nominal (loan) rate;
- Monthly mortgage payments;
- one-time fee for registration and issuance of the loan.
Bank may combine the second and third class by introducing a single monthly fee. She calculated as a percentage of the loan amount. Monthly payments are deducted from the original amount of a loan, rather than balance.

Almost all banks relieve the commission of the issued amount. For example, if the commission 10 per cent, instead of UAH 10 000. you get the 9000 UAH. However, monthly payments will be calculated ten thousand UAH. Banks, of course, is promised considerable cash sums to individuals, but really, the generosity of lenders - is a myth. In reality, borrowers can receive no more than the annual "white" wages specified in the income certificate. Some banks also set limits on the minimum Salary - This amount varies from 500 to 1500 UAH. Borrower may refuse to lend if the specified amount in the certificate below. In this case, it is recommended to take credit for a family member with more "white" wages.

Positive aspects of unsecured credit:
- high speed of processing the loan;
- no additional fees in connection with the valuation and insurance of collateral, which significantly reduces the cost of the loan process;
- increasing the availability of registration and borrower credit scores.

Disadvantages:
- increased rate of the loan;
- the official borrower's income directly affects the size of the loan;
- in some situations need a guarantor.