The role of gold at the present stage of economic development is currently using new forms of gold, partly due to the development of productive forces – the modes of production, technology and new products. World Electronics is the most obvious example. On the other hand, the influence of socio-economic factors – the evolution of capitalism as a social system, changes in the structure of society, the state's role in social psychology. These factors resulted in a decrease of monetary functions of the yellow metal. But they also generate new applications, new forms of economic existence of gold in modern – "crisis" stage of economic development. Factors of the first and second kind are closely intertwined. The growth of the jewelry of gold, partly reflects the development of productive forces and regular shifts in the structure of consumption of this metal.

But even more it associated with the development of the structure of bourgeois society, with specific features of the bourgeois lifestyle, which is affected the global economic crisis. Gold serves the conspicuous consumption and prestigious, hoarding, hiding doxodov and wealth from justice, and Fisk. These traits are inherent to capitalism and the only strengthened its development. As we know, they do not disappear by themselves after the elimination of capitalism, which confirms example of the former socialist countries. These are the remnants of the psychology and behavior of people faced, and socialism. Among the factors that determine the fate of gold in the capitalist world, the special role played by inflation and socio-political tensions.

The Bank

Clothing and behavior should be in accordance with that position in the questionnaire. A neat haircut, a fresh nail polish (or complete absence), clean shoes and a neat appearance – that's the simple things that can render invaluable service in the process of obtaining credit. Watch his speech. Too fast it causes suspicion. You need to be confident and not in a hurry. By the way, about the documents. Necessary to have as many documents. Enclose a passport medical policy, insurance pension certificate, badge work or law.

Usually, questionnaire is required to specify the two stationary phone: home and work. You should warn their relatives and staff about a possible call from the bank. Declared in the questionnaire you income must be sufficient to claim for that amount (use the loan calculator to determine the maximum amount of credit). If you have outstanding credit, do not try to hide that fact. The Bank may issue a second credit if the amount you listed income can pay for two loans. If your income is not enough to get the desired amount, consider bringing in a co-borrower or guarantor spouse (s).

If family relationships are not registered properly, should think twice tell the bank about their civil marriage, or to better reflect in its actual form is single (unmarried) status. It is believed that repayment is easiest for an unmarried, childless women under 30 years of higher education. But there is no single recipe. Take, for example, an unmarried young man 23 years, renting an apartment with a girl, but prescribed by his parents. Naturally, the data on the costs of rental housing, providing young families (especially for a small income) is not the most favorable way affect the decision to issue the loan. AND quite another matter – a man 45 years prescribed by my mother-retired, but actually living in a rented apartment. In this case, silence fact about an individual living – it means questioning autonomy of the borrower. Be wary if a high enough income to ask the bank are small amounts for a long time – it looks suspiciously: either the salary to be untrue, or comes to mind the thought of the Borrower's inability to plan your budget. Needless to explain that neither one nor the other condition is not conducive to the adoption of a positive credit expert solutions. Remember that, when evaluating your creditworthiness, the bank based on statistical forecasting risks and adopting a negative decision, thus, may help you avoid a difficult situation. However, each bank uses its own methodology credit assessment of customers, so the denial of credit at one bank does not mean that you can not get a loan from another bank.

Travel and Leisure

Travel – a fascinating process, but very expensive. Therefore, banks are developing a special credit to pay for trips that can travel around the world, not thinking about the financial side. Financial conditions for such programs are no different from ordinary consumer lending. Differs only in time for consideration of an application client for the provision of credit, over which the traditional test creditworthiness of the borrower – here this term is much smaller. The borrower may not apply directly to the bank, any travel agency partner bank will take an application and apply for a credit. Naturally, the tour have to buy in this agency and it is for the prices to be offered. To receive credit for the trip must issue a travel company account for non-cash payment vouchers showing payment details of the tourist company, and then apply to any bank branch, fill out a loan and grant this account. Loan fees paid one-time payment, the commission for loan application, which non-refundable in case of refusal to grant credit.

As part of the holiday credit borrower can get not only credit for the holidays, but the discount travel agencies, as well as to accumulate the necessary funds to replenished by bank deposit. Credit for the purchase of travel packages available for up to 1 year. The loan amount can range from 30,000 to 150,000 rubles (or the equivalent in rubles and euros), and if the cost vacation package is less than the amount that the bank is ready to give as a loan, a borrower can use the difference as an additional credit limit for your credit card. The loan rate "on travel" 20% per annum in rubles and 14% per annum in foreign currency. If the rate is lower, eg 12% per annum, the borrower pays the additional debt service – 1% per month on the loan amount. Repayment holiday loan can be done in a period of six months to a year. As security for the loan guarantee is enough per person.

Repayable in equal monthly installments, and possibly early repayment. To obtain a loan must apply, which the bank will consider in a single day. When a loan customer joins one of the tariff plans of the bank on it (the client) will. Well, dear reader, summer is coming, the sea calls, study credit offers from banks and routes of travel companies, prepare documents, arrange the loan and go for new experiences! Why live if you do not live at 100%? Relax!