They promised to reduce the interest on the loan, but they owe even more: wonderful mathematics from the bank with the letter "B"
Probably every third Russian has managed to establish a close acquaintance with him - the great and terrible Credit.
Someone accidentally decided to take a new smartphone, which suddenly attracted a fancy on the window of some "Not available". Many people take a good car on credit, because it will be possible to save up their money for it later than the license expires. And a neighbor for the New Year gave his wife a long-awaited and long-suffering mink coat.
The reasons for applying for a loan are different for everyone. As there are thousands of different stories about how they managed to get out of the yoke. Some successfully extinguish ahead of schedule and take a new one, others frantically transfer money from card to card just to be in time, or even enjoy the intrusive calls of the collectors.
Today I want to tell you one separate story of my former colleague, Victor. And not just tell what Vitya got himself into, but warn every reader using his sad example: you need to keep it in your ear.
Even polite people in suits and ties can turn out to be unprincipled businessmen, ready to lie in the eyes to bring extra profits to the bank. And at the same time, get a bonus - albeit a small one, but still an increase in salary!
So, Victor had to take out a loan from one bank, which is widely heard by many. Later I read a lot of angry reviews about the work of this almshouse, including here, on Yandex. Zen.
The amount for a pensioner, albeit a working one, turned out to be considerable. About 300 thousand rubles. Moreover, Victor did not take the money for himself: his son offered to take a loan, who was fired up with the idea of buying a used Renault. But not a single bank gave money to his son, because he once took a smartphone in installments and did not pay for the gadget for a long time. Bad credit, all the cases!
Victor paid punctually and always in full. Yes, this is not a story about a careless son: he gave money for a monthly payment. But sometimes not the whole amount. And my old friend added a thousand or two from himself.
And now, it remains to pay a year. One fine day, Victor's phone rang. The sweet girl chirped "happy information": YOU are our favorite client! Pay regularly, always on time, so the bank decided to make you a present for the last year: to reduce the interest and monthly!
I am sure that no one will really make "Profitable offers". Moreover, the bank. Even "favorite" clients-lenders are a source of income. Who wants to lose him? For all sorts of refinancing / restructuring (like I wrote correctly) we have to run around. And here on a silver platter? Already suspicious!
And Victor just left us. His family income has dropped significantly. The bank hit the bull's eye! How long or short, the man went to the office. There he was given a piece of paper to sign: yes, now you will pay 3 thousand rubles less every month! Congratulations!
The fatal mistake of a former colleague was that he didn't really read the paper on changing the loan agreement. I saw the new monthly payment and waved my pen in joy.
And I forgot that in addition to the amount and interest, there is a third important condition - the term of payments. The bank employee also treacherously kept silent about him. In general, Victor will really pay 3 thousand less. But not 12 months, but 24. I counted on a calculator and was horrified: the overpayment would be 36 thousand.
On the one hand, legally everything is clear here: Victor signed it himself without reading it. On the other hand, why cheat customers like that? Which side are you on?
Put "Thumbs up" if you are against such work of bank employees! And subscribe to the channel) Thank you ✅