Consumer credit is for sale traders of consumer goods on a deferred payment or provision of bank loans to buy consumer goods, as well as for various kinds of personal expenses (Education, medical care, etc.).

1. Target credit:

- Mortgages

- Credit «to purchase a vehicle»

- Credit «Education»

- Credit «rest»

- Credit for specific goods in shops

2. Not trust credit:

- Credit «Cash» (emergency services)

- Credit Cards

A major factor in assessing you as a potential borrower in consumer lending for banks are monthly income, a psychological portrait, the availability of credit history, family and social situation, the possibility of coming back loans, etc.

The subjects of credit, on the one hand, serve creditors, in this case - are commercial banks, consumer credit institutions, shops, Sberbank and other business enterprises, and on the other hand - the borrowers - people. In France, about 1 / 4 of all consumer credit provided by banks, and 3 / 4 - specialized lending institutions. But since the last get-needed funds to a greater extent through bank loans, the actual 9 / 10 the full amount of consumer credit provided by banks. Repaid consumer credit in the off or from the current payment.