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Hire Purchase Loans Advice

If you want a cheap way to pay for a major financial item, then you should look at the possibilities of hire purchase. Hire purchase can help you to buy expensive items with cheap monthly payments, thereby allowing you to get the things you want more quickly. If you are tired of waiting to save your money for expensive items, then here is some information about hire purchase loans.

What is hire purchase?

Hire purchase is a form of lending, whereby you obtain goods and then pay back what you owe over a period of time. You pay a deposit, and then pay back part of the cost in monthly instalments, adding interest. Then at the end of the loan term you decide whether or not you want to keep the item. If you want to buy the item outright, you settle the remaining balance. If not, you simply give back the item to the provider, or use its value to exchange for something else.

A form of leasing

Hire purchase is not really buying goods, but leasing them. Although you have the option to buy the product at the end of the contract term, during the contract do not own the product. Instead, you pay the monthly instalments as a ‘rental’ fee, even though this money goes towards the total product value. This is good because it allows for flexibility and reduces depreciation, although it is bad in that you are not the owner of the item. If you were to miss payments, you would have to give the item back and would have wasted the money you spent.

What items is hire purchase good for?

Hire purchase can be used for a variety of items, but is usually good for expensive products that will last a few years, as the payment terms usually range for 1 to 4 years. Items that hire purchase is good for are cars and other vehicles, computers and furniture. All of these items can be ‘rented’ and then paid for at the end.

Low monthly payments

Even though you do not own the product, hire purchase is good because the monthly payments tend to be low. If you can put down a decent deposit, then you can get an expensive item for relatively little money each month. This can help you to stay within your budget and not get into debt. Also, hire purchase costs tend to be less than traditional loans, even if you decide to make the final balloon payment at the end.

Swapping old for new

Another major advantage of hire purchase is that when the term is up, you can use the value of the product and put it towards a new one. This is especially useful for things such as computers or cars, as you can continually upgrade for a less than you would normally. If you want to keep your products new and fresh without shelling out a fortune, hire purchase might be a good idea for you.

Make sure you can afford the repayments

Although hire purchase has many advantages, you are at risk of losing the item you want if you do not keep up with the payments. You do not own the product, so even a slightly late payment might cause seizure of goods. Make sure you always pay on time and that you can afford the repayments before you sign up. That way you will get the most out of hire purchase loans.

About the Author: Peter Kenny is a writer for The Thrifty Scot, please visit us at Secured Loans and Loans

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