What payment under the credit to choose?
Before taking advantage of this or that credit program, each borrower should solve for itself one question of principle: type of payments under the credit. Payments happen аннуитетными and differentiated, and each type has the advantages and the lacks about which it is necessary to learn more. You should understand, that credit programs - a source of the income for bank, and a source enough the quite good income.
Аннуитетный payment pays off under such formula: there is a sum of the credit and the sum of payments on percent which the borrower will pay during all time of using the credit. Then the given sum shares on equal quantity of parts, is proportional to quantity of months during which the borrower possesses the credit. Every month the sum of payments does not vary.
Differential payment pays off in another way: from first month repayment of the basic sum of the credit begins, and percent pay off every month, proceeding from the rest of the basic debt. Last years the payment sum considerably will decrease.
If to calculate the sum which you pay to bank at using the hypothecary credit it turns out, that at long-term using to you the system of differential payments though initial payments will be more than at аннуитетной to system is more favourable. However as a result you pay to bank much less.
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