Winter: taking on a car and on gifts including those related to banking. Credit organizations wait, analyze the market, make decisions on revising interest rates; the activity of working with borrowers decreases for a short time, because first you need to determine the rules of the game for the coming year.
But no one
bothers borrowers “to forge iron without departing from the cash register.
Winter is not the best time to get a mortgage, precisely because weighted
growth of weighted average rates is often observed in January, leaving the
market for cheap offers and light consumer hysteria: they say that good
apartments will soon end. In this situation, there is a high temptation to grab
the first loan, on the most unfavorable conditions - just to give it, and quickly
buy what has turned up.
know well, aimed at buying a car, and therefore closely following the seasonal
offers of car loans, with various discounts and bonuses. For example, a zero
rate on the condition of buying a car of the previous year of release (the
creditor bank takes interest from the manufacturer or dealer). Winter is the
best time for processing such loans. First, seasonal car loan promotions
usually begin at the end of the year, and continue during the first months of
the new year. Secondly, when you make an auto loan in the winter, you can buy a
car in a quiet off-season period: the autumn boom in demand for the car market
has already ended, and the spring has not yet begun. Also you can to click to get 1000 loan and fast get a money.
there are fewer queues at car dealerships, and sometimes prices are lower ...
But at the same time, winter is truly “golden” time for POS loans, or, as they
are often called, express loans issued directly at points of sale. Moreover,
the demand and classic commodity loans, and instant credit cards, which some
banks “trade with the tray” in large shopping centers.
Two peak months are December and February. In
December, everyone is covered by the “New Year’s syndrome”, and in February we
have to prepare for the “gender holidays” - St. Valentine’s Day, February 23
and March 8. POS-loans are most often issued for the purchase of jewelry,
expensive household appliances, household goods. True, saving on interest rates
is unlikely to succeed. But many goods in this period are sold with discounts,
so that the loan amount itself may not be so great. And besides, with express
lending is not required to provide any information.