Как правильно рассчитать потребительский кредит

Как правильно рассчитать потребительский кредит

Спрос на кредиты в последнее время вырос и для удовлетворения потребностей населения кредитные программы ввели практически все банки. Очень многие финансово-кредитные организации разрабатывают сразу по несколько программ потребительского кредитования, предоставляя своим потенциальным заемщикам возможность выбора. Ответственный человек перед получением займа любого размера найдет время для изучения условий всех возможных кредиторов, проведет расчет кредита.

Рассчитываем потребительские кредиты физическим лицам

В условиях каждой кредитной программы обычно указываются минимальная и максимальная сумма кредита, вот только максимальный показатель для каждого рассчитывается индивидуально. Сумма максимального кредита высчитывается банковскими аналитиками. Сильное влияние на вычисление этой суммы оказывает месячный доход заемщика (лучше, если он будет подтвержден документально). Срок кредитования так же имеет значение.

Обязательный месячный платеж каждый потенциальный заемщик может рассчитать самостоятельно. Для этого следует сперва вычислить свой среднемесячный доход. 40% от этой суммы как раз и станут максимально возможным размером месячного платежа, во всяком случае, при оформлении стандартного потребительского кредита без какого-либо обеспечения. На основании этого показателя легко можно будет посчитать срок, на который лучше всего брать кредит.

Без обеспечения обычно оформляются кредиты на небольшую сумму до 300-500 тысяч. В остальных случаях кредитор требует залог или поручителей. При небольшом кредите тоже допускается использование обеспечения. В этом случае кредитор может пойти на смягчение условий или при расчетах может брать не 40% от дохода заемщика, а 60%. К поручителям и залогу у каждого банка выдвигаются свои условия.

Сколько придется платить за кредит?

Многие уже знают, что учитывать при расчетах переплаты одну только годовую ставку недостаточно. Рассмотрим, за что же включается в оплату кредитного долга. Обязательно заемщику нужно будет вернуть в банк сумму основного долга. Эта сумма не может изменяться: сколько человек взял – столько и обязан вернуть. Часть основного долга всегда включается в обязательный платеж.

Лицо, подписавшее кредитный договор, соглашается на выплату процентов, которые начисляются банком за использование денег заемщиком. Размер годовой ставки обязательно прописывается в договоре, и сумма их прибавляется к основному долгу.

В полную стоимость кредита включаются комиссионные сборы, которые физическим лицам тоже придется оплачивать. Каждая кредитно-финансовая организация самостоятельно решает, какие дополнительные платежи использовать. Заемщикам приходится платить за открытие и дальнейшее ведение кредитного счета, за страхование потребительских кредитов и пр. Так же каждый банк самостоятельно выбирает, будет это фиксированная сумма или процент от займа. При проведении расчетов комиссии обязательно следует в них включать, так как в совокупности они могут приводить к серьезному удорожанию потребзайма.

В полную стоимость потребительского кредита включаются дополнительные платежи. К их числу относятся штрафы, начисляемые за досрочное погашение займа, штрафы за просрочки платежей и пеня. Такие наказания являются возможными, только если их применение предусмотрено кредитным договором. В этом же документе обязательно должен указываться размер каждого наказания.

Использование кредитного калькулятора

Расчет потребительского кредита самостоятельно проводить бывает не всегда просто. Чтобы значительно облегчить этот процесс, банки стали разрабатывать специальные кредитные калькуляторы. Чтобы воспользоваться им, следует зайти на официальный сайт выбранного кредитора. Правильное указание процентной ставки, названия программы, дохода и прочей информации поможет сделать расчеты, которые окажутся максимально близкими к реальным данным. Следует отметить, что практически во всех кредитных калькуляторах не учитывается страхование, а потому значение, рассчитанное банковским аналитиком, будет несколько большим.

Виртуальные банковские калькуляторы предназначены только для проведения приблизительных расчетов, которые позволяют понять человеку, какой окажется в целом переплата по кредиту, и какую сумму от месячного дохода придется отдавать на погашение обязательного платежа. Это помогает оценить человеку свои возможности и понять, нужно ли вообще оформление кредита.

Низкие ставки по потребительским кредитам

Каждое физическое лицо, которому приходится пользоваться услугами банковского кредитования, стремиться найти предложения с максимально низкими ставками. Проще всего найти такие предложения гражданам, которые уже неоднократно пользовались займами и показали себя в качестве заемщика только с лучшей стороны.

Имея хороший кредитный рейтинг, лучше всего проводить оформление потребительского кредита у кредитора, с которым ранее уже приходилось работать. Обычно ставка для таких банковских клиентов по стандартным программам потребительского предложения понижается на 1-2 пункта. Есть банки, которые для такой категории заемщиков разрабатывают даже отдельные кредитные предложения. Привлекательные условия кредитования финансово-кредитные организации также предлагают и клиентам, которые имеют действующий зарплатный счет. Им не только предлагается низкий процент, оформление потребзайма может быть проведено только по паспорту, так как банк уже владеет всей нужной информацией о доходах заемщика.

Получить низкую ставку людям, которые имели небольшие проблемы ранее с возвратом кредита, будет сложнее. Им так же лучше обращаться в банки, в которых имеется зарплатный счет или ранее оформлялся какой-либо кредит, возможно, кредитная карта. Повысить шансы на получение кредита и на смягчение условия помогает поручительство родственников или близких друзей.

Физическим лицам с испорченным кредитным рейтингом даже небольшой потребительский заем получить будет практически невозможно. Единственным решением для них станет обращение в кредитные кооперативы или микрофинансовые организации. Пользуясь услугами таких организаций, про низкие процентные ставки можно будет забыть.

При выборе кредитора, предлагающего низкие проценты, не следует сразу идти и подписывать соглашение. Часто оказывается, что указанный размер ставки это всего лишь минимальное значение и для каждого заемщика размер процента высчитывается одинаково.

Даже если процент будет таким, как указано в рекламе кредитной программы, существует большая вероятность того, что кредиторы используют скрытые платежи, у которых человек узнает только в ходе выплаты кредитного долга. Ставить подпись на кредитных документах нужно только внимательно изучив кредитный договор и реально оценив свои финансовых возможностей.

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