Погашаем кредиты по-умному! Мои экспертные советы на 1 канале!
Вы живете в режиме экономии, потому что большую часть денег тратите на оплату кредитов, а не на себя и семью?
Вы устали так жить и ищете выход?
Тогда смотрите видеосюжет и читайте пост!
Чтобы уменьшить платежи по кредитам нужно сделать 4 шага:
1. Проанализировать имеющиеся кредиты и текущую финансовую ситуацию.
2. Определить, “хороший” у вас кредит или “плохой”.
3. Уменьшить процентную ставку по кредиту с помощью наиболее подходящей стратегии перекредитования.
4. Применить одну из стратегий досрочного погашения кредитов, если снизить процентную ставку не получилось.
Краткий план действий.
1. Составьте сводную таблицу по всем вашим кредитам и посчитайте кредитную нагрузку на ваш бюджет.
Кредитная нагрузка на бюджет = Ежемес. платеж по кредиту / доход * 100%. Если получилось больше 30% — надо принимать меры для ее снижения.
2. Определите, выгоден ли ваш кредит в сравнении с действующими на рынке предложениями.
3. Попробуйте рефинансировать кредиты.
4. Если рефинансировать не получилось, пробуйте применить стратегии досрочного погашения кредитов:
• Лавина
• Снежный ком
🔹Стратегия снежной лавины (по размеру ставки, от большей к меньшей).
Проранжируйте кредиты по размеру ставки: от большей к меньшей. Все свободные деньги бросайте на погашение самого дорогого кредита, по остальным — платежи по графику. Так вы уменьшите размер переплат и сэкономите деньги в долгосрочной перспективе.
Стратегия подходит целеустремленным, волевым и финансово-дисциплинированным людям.
🔹«Снежный ком» — все силы бросаем на погашение кредита с самой маленькой суммой долга, по остальным — платежи по графику.
Секрет стратегии — быстрый результат.
При избавлении от одного долга появляется больше свободных денег для погашения следующего кредита, и это мотивирует действовать дальше. Но переплата будет больше, чем при лавине.
«Снежный ком» имеет больше психологический эффект, подойдет, если лавина не сработала, а хочется действовать и избавиться от кредитов побыстрее.
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