With this side of the American life you will inevitably have to face. Americans have long been accustomed to not immediately spread all the cost of a car or other expensive cash purchases, which puts a lump sum but a noticeable blow to the budget, they prefer to pay for them gradually, taking a preliminary loan in a bank, a credit company, etc. But You, the only beginner to live in the United States, need to thoroughly consider everything and, above all, consider that the purchase by installments will cost significantly more.
Yes, and problems with obtaining a loan you will be significantly more than that of Native Americans eu You simply do not have a so-called & laquo; credit history, which is necessarily taken into account by the organization providing you with a loan. Even worse, if you already took it, but could not pay off on time. To hide this case will be difficult, information about defective debtors in the United States diverges across all companies engaged in credit activities. Start better with the opening of a small loan and pedantically pay for it. This information also diverges, and it is good if it will serve as the beginning of your credit history.
But the other three factors are there for you. This is the income level not only for you personally, but also for your family, the availability and amount of savings and that specific type of product for which you need a loan.
Even in the absence of a credit history, the presence of a decent bank account, securities , the shares that we will talk about will be enough in the amount sufficient to repay the potential indebtedness, gives rise to a positive decision on the issuance of a loan.
It is very important for this and the presence of permanent work. It is constant, with full employment, a so-called full-time job. Part-time, part-time or frequent job changes in the last time, which too can not be hidden, will work against you, and to such an extent that your wages simply will not be considered as a permanent income. And without this option to get a loan, you know, it is unlikely. It is important here that you exactly want to buy. After all, if you did not pay for a loan, for example, a car, then it will be taken and sold by a bank or a credit company to cover its costs. But what should she do if an unsecured loan for repairs (namely, repairs, perestroika, but not acquisition) of a dwelling house was issued? Therefore, such loans are much harder to get.