Associate
Me thinks peeps need to get off there high horse .. I don’t do this and I don’t do that, sadly now you are in the minority.
Banks Finance bend over backwards to offer you money, even if you can’t afford it. Yes in my time it was cash until we started to adopt the traits of many other countries who already offered “tick” the whole culture had changed. Good on you give yourself a pat on the back for being able to calculate APR and also know if you can reasonably afford payment over x years. Sadly this is not the case and lending institutions are all to aware of it, as has already been stated in this thread if you ask a lot if people and they are willing to tel you. They are up to there necks in debt, long gone are the days if having at least 6 months wages in the bank for a rainy day
Banks Finance bend over backwards to offer you money, even if you can’t afford it. Yes in my time it was cash until we started to adopt the traits of many other countries who already offered “tick” the whole culture had changed. Good on you give yourself a pat on the back for being able to calculate APR and also know if you can reasonably afford payment over x years. Sadly this is not the case and lending institutions are all to aware of it, as has already been stated in this thread if you ask a lot if people and they are willing to tel you. They are up to there necks in debt, long gone are the days if having at least 6 months wages in the bank for a rainy day