We would like to take credit for apartment renovation in the mail bank and as a result much regretted

After inheriting an apartment from a relative, my wife decided to transform a living space for a subsequent lease. This required funds in the amount of 250 000 and this amount was calculated for the most modest decoration.

Of course we did not have in the presence of such amounts and we started thinking about a bank loan. Seen on TV promotional video featuring the famous Russian artist, who promised an interest rate of about 12% per annum.

We like small were led to this marketing gimmick, and the next day rushed to the nearest office of the bank. Arriving there, we saw a huge queue, mainly of the elderly. Apparently the actor people did their job, but more on that later.

My wife and I stayed for about an hour, and finally - that has come our "hour". Explained to the nice manager, we want to take 250 000 rubles for two years in order to repair the apartment. At the same time we wanted to know - whether the percentage of the loan is exactly identical to the advertising?

She assured that the percentage of the loan can not be higher than 11.9. Come on, fill out an application provided all the documents and she said - "2-3 hours will know the outcome of approval, I'll call you."

Just 50 minutes later we received a call that girl and the bank announced the verdict - "loan approved, come to our office." We were delighted, but as it turned out, our hopes and dreams for a brighter future vanished in an instant.

We came on the same day, with a smile from ear to ear and we have our manager announced that the loan is approved, but not entirely under our expectations. He voiced the loan amount of 180, 000 and under the horse's interest at the rate of 19.9

What? How can this be? you said that the interest rate will be no more than 11.9? And what... you us immediately by phone do not say? In addition, the sum of us extremely happy.

On this the girl said. that it is only an employee of the bank's low-level and does not regulate the actions of the bank and the adoption of a decision. Well, that's understandable, but who clobbered us about the rate of 11, 9, and the impossibility of its increase?

Then she discovered the secret - "we have a time limit communication with customers and we are not. and they"

After this conversation, I realized that one should not be conducted in any advertising of manipulation - one figs deceive, so much so that it would be beneficial only to them and their employees. Apparently, People's Artist unfastened a good fee for the deception of the people. Now films with the participation of th e do not even look.

We very much regret it. they wanted to take the credit in the bank. Disgusting attitude to people, so also people blatantly lie about the rates. I do not advise anyone to communicate with the credit resources