Still remembers the time when the very concept of "credit" was unfamiliar to most people. And appeared in the West, the concept of "life credit" generate only incomprehension tinged with contempt. Misunderstanding – because we have it was impossible to buy a TV, fridge (not to mention a car and housing), not having enough hands for that purpose. Contempt – because it is frightened, and in the absence of stability in our country was not clear – as You can buy things in the "duty"? What if tomorrow the next global crisis, again crazy inflation, or bankruptcy of the enterprise, which was elaborated more than a year? But still no-no, and broken through something akin to envy, and desire to have and we have the opportunity. Slowly the situation improved in the country, people gain confidence in the future. Credit has become a common phenomenon, sometimes even mundane. Banking sector have grown rapidly and developed. Naturally been the development of competition.
The list of services all shirilsya, in commercials, as if competing with each other in the number of zeros (0% down payment, 0% interest on the loan, etc.), there are banking services new conditions. But do not forget that the bank, like any other organization whose ultimate goal is to attract as many customers as possible and obtain greater profits. And to achieve this goal very often used "is not quite clear" means. And just to gather information on relevant issues in all banks (especially that one bank is often a few suggestions for some service), and then another analyze and compare the data becomes difficult. Try to get advice from any one bank, which will likely have to visit in person, count your time and think for that you still need to visit the rest of even the most major banks.