Self-consolidation 支払う／賃金s 負債 （株主への）配当

By Daily Mail Reporter
Updated: 00:00 BST, 13 May 2004

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STORE cards, credit cards and overdrafts can be expensive and, crucially, they do not 供給する the discipline many people need when 取り組むing 負債.

But there is a better method to を取り引きする your everyday 負債. Personal 貸付金s have two advantages - they give you the certainty of 正規の／正選手 月毎の 返済s until your 負債 is （疑いを）晴らすd and the 利益／興味 率 is usually 直す／買収する，八百長をするd so you won't be 攻撃する，衝突する when the Bank of England raises base 率s again.

They are a much better way to 強固にする／合併する／制圧する 負債s than the 負債-consolidation 会社／堅いs that advertise 広範囲にわたって on daytime television.

Apart from 存在 expensive, such 会社／堅いs can 損失 your credit 率ing and in extreme 事例／患者s you could lose your home if you can't keep up 支払い（額）s.

The personal 貸付金 market is very 競争の激しい, with 率s as low as 5.9% from the likes of Liverpool Victoria and Marbles, for £5,000 over a three-year period. This puts the 月毎の 返済 at around £151, but they are 利用できる only on the internet.

For 非，不，無-internet 貸付金s, the best 利用できる 含む Northern 激しく揺する at 5.9%, Goldfish at 6.2% and Lombard Direct at 6.4%.

直す／買収する，八百長をするd-率 personal 貸付金s last between six months and ten years. Watch out for 貸付金s with 刑罰，罰則s for 早期に 返済, which can 量 to two months' 利益／興味.

会社／堅いs with no 早期に 返済 刑罰，罰則s 含む Northern 激しく揺する, American 表明する, Barclays, 全国的な, cahoot, Goldfish and Virgin Money.

避ける 柔軟な, unsecured 貸付金s. They don't fit the 法案 as their 利益／興味 率s 変化させる so you're not 保護するd against 未来 base 率 rises, and they don't have a 始める，決める 返済 period.

貸付金 companies also 申し込む／申し出 保険 which 支払う／賃金s out if you are unable to work through 事故, sickness or redundancy.

This can bump up the cost of the 貸付金 大幅に. For example, Bank of Scotland, with an 利益／興味 率 of 9.9%, 告発（する），告訴（する）／料金s £162.77 a month for a threeyear £5,000 貸付金 without 保険 and £200.87 with 保険 - a whopping £1,371.60 for three years' 価値（がある） of 保険.

These 政策s may also have very stringent 条項s, thus 限界ing 支払う／賃金 outs. Check out the 条件 carefully before you 調印する up.

? GILLIAN Sinclair has just borrowed £10,000, using a Direct Line personal 貸付金, to 強固にする／合併する／制圧する three 存在するing 負債s. 'We had three 貸付金s that were costing us more than £700 a month to 返す. One was a car 貸付金 初めは for £11,000, one was a £3,000 貸付金 from a family member and the final one was to 支払う／賃金 for work on the house which was 初めは £6,000,' says housewife Gillian, 50.

With the Direct Line 貸付金 they 支払う／賃金 just £237 a month on a 率 of 6.2%, which 含むs 貸付金 支払い（額） 保険. Over the five years they'll 返す a total of £14,225 含むing 利益／興味.

Gillian (pictured with daughter Jane, 26, and son Richard, 21), from Bridgnorth, Shropshire, says: 'The 減ずるd 月毎の 支払い（額）s make an enormous difference. We also know our 支払い（額）s won't rise even if 利益／興味 率s do. We are very disciplined with our money and have already moved our credit card 負債 to cards with 利益／興味-解放する／自由な periods.'