Auto loans in crisis

People, by nature, always wanted "all at once, and the Russian people (probably because of the mentality) is always like this in two ways. They helped in the banks - which are sometimes too bold, gave credit for the acquisition of basic welfare indicators, including on cars. The great bulk of such loans (in rubles and foreign currencies) now, with the advent of "crisis", hung a heavy burden on taxpayers and the "eyesore" for financial institutions. |

But is it worth to pay tribute to our politicians, they planned a fairly stable program out of the economic crisis.

A program was designed for car loans on preferential terms, which is designed to "kill two birds with one stone - help wishing to purchase a car in it (not the best) time and somehow maintain a level of sales of domestic cars. Maybe this program works and is not as efficient as we would like her "critics", but it must be admitted that the program works and brings results.

But the most difficult, of course, those who took a car loan even before the "crisis", ie not assuming the deterioration of their financial wealth. A particularly painful for those who borrowed in dollars / euros (making a bet on "stability and low interest") - as a result of their debt, along with the dollar / euro, grew by about one third. Many of them, as a result, were forced to sell your car quickly and, sometimes, obviously cheaper than the real cost to minimize losses in the loan repayment. If, in the case of financial difficulties, they did not have time to do so, such a car sold to the bank with a hammer. "

Today the economic situation has stabilized a bit, but still, still tense, referring to the fact that the national currency rate is constantly "jumping" (depending on world oil prices that are "Internet Booth" depending on fluctuations in the world economy " , which is still good "shaking").

Because buying a car on credit - think of it, is sufficient if your financial base for the payment of the loan and, better, ahead of schedule. In general, it is no secret that to take the car loan in a crisis is very risky, and if you really want / need, then you need to count all the good and not buy a car "in the butt" - now need to be realistic and focus on the purchase on credit of the car, half (minimum) value that you can pay for themselves