"редитование – это массовое и популярное явление в современном обществе. Многие люди уже привыкли жить в кредит. Несмотря на постоянные долговые обязательства перед банком и ежемесячные выплаты, в этом есть и преимущества. Можно иметь все и сразу без денег. С учетом инфляции долгосрочные кредиты (например, ипотека) могут быть даже выгодными. Кроме того, выгода получается и от роста цен на недвижимость. Купить в кредит квартиру сейчас можно за меньшую сумму (даже с учетом процентных ставок), чем сделать это, например, через 5 лет.
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Какой кредит нужен вам?
На обучение.
На покупку кота.
На проведение какого-либо праздника или свадебного торжества.
На дорогостоящие вещи.
На лечение.
На оплату каких-либо услуг и т.д.
Проще простого! Банки и кредитные организации сами заинтересованы в привлечении к сотрудничеству новых клиентов, потому встречают с интересом любые проявления фантазии.

Банки часто задают вопросы относительно кредитования. Вопросы связаны часто с целью кредита. Конечно, есть понятие «на неотложные нужды» (потребительские кредиты), однако если берется другой тип кредита, то в любом случае придется рассказать банкам о целях своего кредита, а в некоторых случаях даже доказать это и отчитаться.

Итак, на какие необычные цели люди берут кредиты, и что предлагают сегодня банки?

С фантазией у россиян проблем, как правило, никогда не было, а потому люди придумывают самые необычные, а иногда и смешные цели кредита. Кроме того, сами банки идут на встречу и предлагают взять самые необычные и уникальные кредиты, предлагая огромную массу кредитных программ на выбор.
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Например, относительно недавно жительница Екатеринбурга (имя не разглашается) получила кредит в банке на покупку кота редкой породы мейн-кун. Кредит составил 100 тыс. рублей, несмотря на то, что стоимость породистых котов этой породы начинается только с 45 тыс. рублей (купить породу достаточно сложно в России, имеются даже очереди). По словам заемщицы, она всегда мечтала о такой покупке и решила сделать подарок и порадовать саму себя на Новый год.
Любые желающие также могут осуществить любую свою мечту или решить все финансовые проблемы, просто оставив заявку на кредит.
Среди других необычных целей кредитов можно отметить:
Кредит на покупку собак дорогой породы.
Кредит на покупку экзотических животных, например, обезьян.
Кредит на покупку телескопа и т.д.
Случаев в банках известно достаточно много.
Многие банки, желая расширить ассортимент своих кредитных продуктов, предлагают людям взять кредит на следующие цели:
На мебель и предметы интерьера и экстерьера.
На шубу.
На высшее образование.
На кругосветные и не только путешествия.
На оплату услуг фитнес-клуба.
На пластическую хирургию и т.д.
На какие цели хотят видеть кредит россияне?
Согласно результатам опроса, около 40% российских заемщиков хотели бы видеть кредит на рождение ребенка, однако сегодня ни один банк не предлагает подобный продукт, а очень зря. Данный вид кредитования легко бы мог стать самым популярным. Банкам следует хорошо задуматься на этим и внедрить данный кредитный продукт на рынок.
Конечно, кредиты на необычные цели являются индивидуальными и, как правило, являются более дорогими по сравнению с обычными потребительскими кредитами. Но разница здесь небольшая и составляет обычно 1-2 процента. Как говорят сами клиенты, это небольшая плата за быстрое исполнение своих необычных желаний, а потому многие из них готовы переплачивать.

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