Collectors have named the golden rules for those who want to take out a loan

Those wishing to apply for a loan should accurately determine the required amount and not take out a loan with a margin, especially at high interest rates. This was announced on February 9 by the National Association of Professional Collection Agencies (NAPCA).

According to RIA Novosti, there are several basic rules for future borrowers.

"If possible, do not take out a loan at all. Secondly, to weigh the pros and cons and decide on the exact amount of the loan, you should not take it with a margin, especially at current rates. Thirdly, it is worth postponing an amount equal to one or two payments," the NAPCA said.

In addition, the NAPCA emphasized that the loan should be issued only in banks included in the register of the Central Bank, and this should be done after the receipt of wages. This approach, according to experts, allows the borrower to be sure of the availability of funds for the first payment and reduces the likelihood of delays.

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Julian Ovechkin, Head of the mortgage Department at Level Group, reported on February 5 that mortgage holidays remain an important measure to support borrowers in a high-interest environment. This mechanism allows you to temporarily reduce or suspend loan payments for up to six months, subject to a number of conditions, including a limit on the loan amount and the status of a single home. Borrowers can also take advantage of mortgage holidays in case of job loss, temporary disability, or a significant decrease in income.

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