“The expert advises to accumulate an initial contribution of at least 20-30% of the loan.”, – WRITE: www.unian.ua
The expert advises to accumulate an initial contribution of at least 20-30% of the loan.
The expert emphasized that loans can improve the quality of life of the borrower / collage of UNIAN, photo UNIAN, UA.DEPOSITPHOTOS.comIn order to avoid debt load when borrowing a potential borrower, it is first of all necessary to decide on the purpose of obtaining a loan, and how it is correlated with the available financial capabilities.Olena Yermolova, a member of the Globus Bank Board, told this.
“It is not necessary to lend, for example, to go on vacation, especially if current income does not allow you to repay such a loan within 1-2 months. This is not a real goal for a loan, but only a source “, – she says.
The expert stressed that loans can improve the quality of life of the borrower, but only when the credit funds are obtained to increase the assets of the borrower and only if he is confident that future income received will allow to pay all payments on the loan in time.
“Loans for the purchase of your own housing, office, warehouse, premises for production of products are a great opportunity not to spend on the lease of someone else’s real estate. And even if the borrower gets in difficult circumstances and fails to pay a loan, he will always be able Real estate.
When deciding to receive a loan, the expert advises potential borrowers to accumulate an initial contribution on a future credit of at least 20-30% and have sufficient permanent income.
If there are sudden circumstances that do not allow the citizen to serve the loan on time, then, in her opinion, the best solution for the borrower will be to visit the bank, explaining the situation. After all, the bank is interested in finding a way out of any difficult circumstances.
Yermolova said that in 2024 the share of non -working loans in Ukraine decreased by an average of 5.1 pp, with the amount of such loans decreased by UAH 8 billion (from UAH 422 billion to UAH 414 billion).
According to the expert, the reduction of non-working loans is a direct consequence of a certain stabilization of the economic situation in the country: during 2023-2024 the total credit portfolio has increased, and the share of non-working loans has decreased.
Credits in Ukraine are the main newsIn January, the National Bank of Ukraine made a decision to raise the discount rate by 1% – up to 14.5%. According to NBU Chairman Andriy Pishny, this decision is directed to maintain the stability of the foreign exchange market, maintaining inflation expectations under control, breaking the inflationary trend and gradual slowdown in inflation to a target of 5%.
Earlier, UNIAN wrote that some soldiers in Ukraine are faced with the fact that banks refuse to give them loans. The economist and former deputy chairman of the NBU Board Alexander Savchenko stated that such refusals are isolated cases, not a systemic phenomenon. According to him, if the military faces an unjustified abandonment of the bank, then he can complain to the NBU.
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