Zo sluit je een lening af
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by: peterdaas
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Date: Wed, 15 Jul 2009 Time: 3:59 AM
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Er zijn niet veel mensen die echt stilstaan bij de grote verantwoordelijkheid die een lening of krediet met zich meebrengt. Omdat er zoveel verschillende leningen voor verschillende situaties bestaan is het belangrijk om even stil te staan bij alle informatie die erover beschikbaar is. Als je ervoor zorgt dat je jezelf inleest in de materie dan is de kans groot dat je de juiste beslissing neemt. De meest bekende lening vormen zijn wel de persoonlijke lening en het doorlopend krediet. Naast de geijkte lening vormen heb je op dit blog ook al kunnen lezen over de minder bekende leningtypes. Hierbij moet je denken aan een minilening of een minikrediet, die pas vrij recent populair zijn geworden in ons land. Maar om een compleet beeld te kunnen vormen van het lening landschap is het wel noodzakelijk om alle alternatieven te bekijken voor je een beslissing neemt. Het belangrijkste dat je kunt doen voor je een lening neemt is dat je een vastomlijnd plan maakt voor de terugbetaling. Het probleem van veel mensen is dat bijna niemand dit ook echt doet. Dat is ook de reden van veel BKR coderingen.. Je moet voordat je leent voor jezelf een doel stellen van terugbetaling en hier niet van af wijken. Het spreekt voor zich dat de verleiding er zal komen om minder af te lossen dan je hebt beloofd aan jezelf. Zet toch door. Want elke euro die je aan aflossing betaalt is weer een stap richting financieel onafhankelijk zijn. Dat is nog niet eens het belangrijkste. Het belangrijkste is dat het een fantastisch gevoel geeft om je lening af te lossen nog voordat de noodzakelijke deadline aanbreekt. Bij bepaalde kredietsoorten zoals bijvoorbeeld een doorlopend krediet word je niet bepaald aangemoedigd om snel af te lossen. De geldverstrekker krijgt tenslotte geld zolang jij nog van het krediet gebruik maakt en er nog iets open staan. Probeer je toch aan de verleiding te onttrekken, want elke euro die jij aan rente betaalt is er een teveel. Een lening afsluiten kost natuurlijk geld, maar het heeft geen zin om het veel te duur te maken voor jezelf.
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