Advantages and disadvantages of the credits for computer
Frequently when the persons want to change computer or, to buy to him someone in case they do not possess, they usually resort to the financial companies to realize the request of a credit for computer, something that we must warn him does not turn out to be a good idea. This is due simply to the fact that a credit for computer is basically a personal credit or of consumption, what implies the highest money-market rate to short period for the refund of the granted money. Since we have explained in several articles about our place, a personal credit, in this case a credit for computer, it usually possesses money-market rates of up to 25 % per year with period that, with luck, can come up to three years.
 Many of the persons who resort to this financial tool for the financing of a new computer, spent some months occur rarely turn in an entanglement of quotas and hanging money that they must pay. Anyway we do not have intention of generalizing since it is known that there are many persons who request a credit for computer as soon as the whole planning was realized of how there will be returned the money granted by the financial company. In this sense we must say that this is the only way of guaranteeing the safety in the request of a credit for computer, since many people ignore this factor thinking that they will be able with the quotas and the interest to be paid for the obtained credit, and then they realize that they cannot expire with his payment obligations, harming this way his credit handbook and for consequence his financial profile.
In case it is a question of the wholesale buy of a certain quantity of computers, already be these to use in some business or company, then we must say that in this situation to resort on a credit for computer is the only way of settling similar expense. Fortunately for these cases, the financial companies have different plans designed especially to be able to grant major benefits to the company that requests the credit for computer. For example, one of the clearest benefits is a considerable fall in the money-market rate together with the extension of the term of payment of the money, so, for example, if a credit is requested for computer of approximately 10.000 dollars, the same one term will be able to be paid by a money-market rate of 15 % to one of up to 8 years, what turns out to be much more suitable, especially for those companies that newly begin. This new credit form for computer with all this facility, begun to be implemented when it began of the heyday of the cyber coffees and those destined for the games in network for the youngest.
To request a credit for computer
 Depending on the requested money quantity, already person is of a credit for computer for only one or for a company, the requisites are going to change as it corresponds, since in case of the credit for computer requested by an individual, the same debit to present the ID card, the copy of labor contract, or some certificate that corroborates his profession, together with the receipt of salary that he will profess of guarantee. But if we speak to the request of a credit for computer realized by a company, it will be necessary to present the documents of the company that endorses the need for the computers to be financed together with some hierarchy than to be entrusted as starter of the credit contract for computer.
In this case the guarantee takes on the computers that will be bought by this money, for what in case financier does not fulfill the company with his obligations and stops paying the credit for granted computer, the computers will be confiscated like this way also part of the actions corresponding to the company that the holder of the contract possesses.
Since well we can observe often, request a credit for computer can bring to us many other problems than solutions, for what, as we said at first, always it is better to evaluate some another type of way for the financing of a computer; the first option is always to use a credit card, but the most frequent problem that appears in these cases is that most of the companies of computing that specialize in the armed one and the commercialization of computers, only accept cash.
Nevertheless there are many that offer to his clients different payments plans in case it is not possible to confront the expense that understands to a new computer, and although they do not have the authorization to work with credits for computer, often they usually base these payment plans on different monthly quotas, with an interest minimum, generally of 5 %. |
