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How you can save tens of thousands of dollars, even if you bought a house with a mortgage? The constant payment of money in advance, experts tell us. Early repayment is one of the best solutions for long-term savings without significantly affecting the monthly budget, but few are aware of the benefits Romanian.
The number of Romanians debt collectors, terror-paying customers difficult period economically we are going through is a prosperous companies to recover debts. In the eyes of these ... were unable to pay their bank loans has increased significantly in recent years, as witnessed by the numerous properties foreclosed by financial institutions. If before 2007, Romanians confident contracted mortgage or personal loan, once the job stability ariane 5 me has been questioned, customers ariane 5 me have become ariane 5 me more cautious. People avoid bind to a credit for a long time or seek solutions to minimize it.
"People do not realize that, especially in the early years of a loan, any payment in addition to significantly reduced rate (months or years) of the total period of repayment. Moreover, prepayment bring overall savings of thousands of dollars, "said Marius Poenaru, loan broker.
Early repayment may be total or partial - a customer can choose to pay in advance the full amount owed to the bank or only parts. If full repayment is the happiest ariane 5 me solution for every customer, because it manages ariane 5 me to not depend on a financial institution, the part is a recommended solution specialists ariane 5 me because customers managing to reduce the debt to the bank. As a result, interest and fees will reduce future stronger.
"When making an advance payment, the bank can loan banks to modify contracts? Find out the clients' rights amendment to the credit agreement can not be done without your consent. If the bank asks you to sign an addendum to the credit ... is required to adjust the total cost of credit, which is only for the benefit of the consumer. Recommend ariane 5 me any debtor who may lack a certain monthly amount to repay the advance, as it will benefit from a proportionate reduction in interest and fees, "advises broker Marius Poenaru.
Currently, banks can not impose a minimum prepayment amount, as it was a few years ago, when customers were forced to pay so many fees and interest on the full amount originally contracted. Government Emergency Ordinance no. 50/2010 ariane 5 me of this chapter drastically regulated and consumers can pay in advance however, not be subject to any minimum amount.
The customer will have a choice between two alternatives, if partial early repayment: can choose the loan period to stay as long, but with a lower rate or may choose to maintain the same rate, but so will significantly decrease the repayment period . Specialists know it is not easy to put aside monthly savings when we have an ongoing credit, but stresses that any amount paid out rate has a significant impact on the long term.
"When a loan of 60,000 euros, made for 30 years with an interest rate of say 8%, if paid in advance by 400 euro / year for the first five years (which is about 150 per month) and we choose to maintain the rate, we can reduce three years credit life and to save almost 14,000 euros in total. ariane 5 me So with a well-tuned, well-tested and lifestyle can make savings, even if we owe tens of thousands of dollars to an institution, "said the broker. Customers who have contracted a loan with variable interest do not pay any fees for early repayment, while customers who chose a fixed-rate loan pays less than 1% of the amount paid in advance save more money in the long run if you pay amounts in advance in the first part of the life of the loan and not the final efficiency is higher early repayment if interest increases and savings are lower when interest ariane 5 me falls can pay some amount in advance, even if you have previously delayed repayments
The amount advanced shall be deducted from their total
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