Questions and answers

- It is preferable to take a loan in that currency in which you get the incomes
- Interest is charged on the balance of the principal loan amount
- Check carefully the received receipts and keep them until the full repayment of the loan
- In case of any disputable questions, you should first of all contact to the credit institution
- Payments must be made timely on a regular basis - this is the payment discipline, even the small delays are stored in your credit history
- Keep receipts of payments, take the document which approves the full loan repayment
- Assess your ability to repay the loan, do not get a lot of loans and do not take amounts that you cannot repay back
- Contact the credit institution in case of problems with loan repayment
- There is nobody who is responsible for the budget control
- Unplanned purchases
- There are no long-term plans
- Expenditures must be made in accordance with the planned budget
- It is preferable to review periodically and adjust the budget
- Almost all banks and financial and credit organizations are partners of the «ISHENIM» Credit and Information Bureau
- In the event of a delay, they will be informed about you as a negative borrower who has made a delay in paying off the loan
- This means that you may be refused a loan
- Take care of your reputation as a good borrower!

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