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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.