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Whether buying your own home or a car, financing a long-needed renovation or purchasing a necessary home appliance, taking any larger financial obligation should be well thought-trough and within your family’s means.
Before taking a loan, always consider the following:
Buying a home is one of the first big financial decisions for many people. Before making any long-term loan obligations, it is important to consider the following.
To get a home loan, you need a stable income allowing you to pay monthly loan payments as well as cover all other costs (utilities, food and transportation, entertainment, etc.).
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A lease will be helpful when you are short of money for buying a vehicle.
First use the calculator to identify the amount you can afford given your current incomes and obligations. Make sure you have the funds for the down payment.
Ask for offers from multiple financers to compare lease conditions and find the best solutions. The easiest option is to contact your home bank to get a primary estimated leasing offer and an overview of additional costs.
More on leasing
Leasing a car: 6 things to consider
When purchasing a car from a private person, you will become the owner of the car after the leasing period expires as you are paying the total cost of the car as a hire-purchase during the payment period. However, if the vehicle is sold by a company, you can choose between an operating and a financial lease.
The best option for avoiding financial difficulties is to constantly monitor your incomes and expenses.
Unfortunately, even with our best efforts it is not possible to foresee every situation; it may happen that our salary decreases and we are unable to fulfil our obligations.
If you feel like you are unable to manage your obligations, contact the bank in advance to find a solution. Avoiding late loan payments is in your interest as it is cheaper (agreement fees, processing fees, bailiff fees, etc. will be added later) and your payment history won’t include a dept, making it more difficult to get loans in the future.
You can talk to your bank about:
Don’t try to solve payment difficulties with an express loan or another loan! This will only make the situation worse.
If you have any questions or suggestions, send a bank messages. We value your opinion!