How to save on Express credit and mortgages? Are you planning to buy a new apartment? To acquire a stylish and expensive cars? Buy a new computer? Even if you do not have to pay a lump sum payment of your purchase, you can use the credit. Over the past few years in this area has undergone considerable change. Now arrange the loan, you can quickly and comfortably. But, nevertheless, the natural desire of any person is the desire to save money. Indeed, why pay extra? A careful study of the conditions of the loan - a guarantee that you will be able to choose the best set of proposals, which is full of credit markets. By itself, the payment of interest may be a difficult burden for your budget. But there may be other costs. First, almost every loan requires insurance. Bank is trying so at least partially protect themselves from the possibility of losing their money if you or purchased on credit assets in an accident. Insurance costs may, in the end, vylitsya vznachitelnuyu amount. Secondly, banks often use a hidden commission. What is it? You are offered a tempting low interest rates, but you'll have to pay, for example, the use of the account. Moreover, the payment of hidden commissions can be quite significant amounts, so that all your attempts to save a low percentage will not succeed. Save on the interest rate will help you as much information about income, which you provide to the bank. This dependence is very prosta.Predostavili an income statement in the free form - get credit for sure, but the percentage is too high. To provide any information as thorough and detailed, showing all income - no problem get credit, but also the interest will be lower. Also pay attention to how you will pay interest. Annuity payment assumes that the loan amount plus interest divided by the number of months and you pay the loan in equal installments. Differentiated payment assumes that interest rates are considered for the remainder of the loan, so payments are gradually reduced. It is important to know the rules of early repayment of loans, because here too there are options. In one case, even with the early repayment you will have to pay all with interest for the entire period. In another case, the bank allowed to repay the loan immediately and does not charge interest for the remaining term of the loan. Making out car loans, keep in mind: you have to pay insurance for your new vehicle. Insurance will cost you a pretty penny, so carefully examine the list of insurance companies and the conditions of registration of insurance. Loans to the urgent needs of the least connected with the various hidden fees. Serious problem here may be charges for use of the account. Often, especially when banks offer plastic cards, this question did not pay too much attention. And then suddenly a man learns that the bank should be a fairly serious money. Also, consumer credit usually means accident insurance. Mortgage lending because of its duration is associated with a variety of hidden commissions and a lot of insurance. Here you will have to pay for life insurance, accident insurance, insurance against loss of property rights, etc. Payment for the use of the account can also be quite large.