1, first of all try to bank loan, most mortgages, but beware they are very long-term (over 10 years), this is their risk, the main parameters of the loan, the loan is the APR if you do not know exactly what that is, do what is in paragraph 2
2, if you do not have sufficient education, information and experiences, ask a friend or a lawyer for help and advice (if you borrow CZK 10 000, the amount of CZK 100 for a lawyer constitute only 1% and can save you from big problems (mainly on loans from non-banks)
3, in search of a loan and pay attention to pojištění- life, accident (especially debilitating accidents), exemption from insurance policies, critical illness and to loss of employment If you are employed
4, the rapid appreciation count the number of installments x height + fee payments and compare it with the loaned amount
5, is an important opportunity to extend or to prepay the loan, ask for it
6, the purchase of consumer devices search for repayment or events where you pay 10% and the rest in 10 installments
7, long-term loans (over 1 year) Consider the reserve at least three installments, you must not deplete
8, loan repayment solve debit or standing order, always at least three days prior to maturity, it is ideal if you pay two installments at the beginning, that nothing will happen if you payment one month late, some banks have already sent three days with a fine reminder
9, do not rely on friendly negotiations bank or entity unless you have a lease, you will burden the fines and threatening sheets
10 When a loan or credit really goes 3x measuring and cut once
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