The finance expert called the signs of dangerous loans

Loans can pose a serious danger to the budget in cases where they do not have a clear purpose. Valery Boginsky, commercial director of the Partnership Finance investment platform, warned about this on Wednesday, December 17.

"There is also a risk when estimating income incorrectly: at first, a loan may seem feasible, but then the payment begins to put pressure on the budget. A payment that does not exceed 15-20% of the average monthly income is considered safe," he said in a conversation with Lenta.Ru .

The financial expert advised paying attention to the cost of the loan in order to avoid overpayments, as well as to take into account the additional costs associated with life and health insurance, the commission for loan processing and servicing.

Boginsky added that if a loan is serviced at the expense of the loan itself, the debt burden quickly becomes devastating.

"Credit remains a working tool only if there is a stable income, a clear goal and a margin of safety in the budget," he concluded.

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Earlier, on December 14, the Ministry of Internal Affairs of the Russian Federation warned that fraudsters had begun to intimidate Russians by issuing loans "by voice" and possible searches during which money could allegedly be seized. The department clarified that attackers often use the topic of biometric data as a tool of psychological manipulation after citizens interact with phishing resources.

In turn, lawyer Vladislav Shvedchenko recommended not to repay the loan issued by fraudsters, writes Life.Ru . He explained that such payments can be regarded by the court as agreement with the contract, which will complicate the process of challenging it. 360.ru .

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