Many people now have a loan or pay a mortgage, while others are just thinking about it. How does the psychological position in relation to the loan affect? And is it possible, on the basis of such an attitude, to give recommendations on whether to take out a loan or not?
The psychological attitude to the loan is of great importance for the person who took it. However, this applies to almost all aspects of our life.
Agree, everyone has some kind of relationship to their loan. Some begin to feel weary about it, perceive it as something overwhelming, even somewhat frightening, in general, quite negatively. They are quite understandable, because non-payment of a loan can lead to sad consequences.
And there are people who treat a loan of the same size as something that they can easily cope with. They relate to him in terms of confidence. Credit is presented to them as something, perhaps not very pleasant, but unable to have any power over them.
Feel the difference in these two psychological positions. Our attitude directly affects the development of the situation. And in the second case, with all other conditions being equal (loan size, income level, etc.), the loan will be repaid much easier and faster.
An unfavorable psychological mood in itself disorganizes, does not allow to act effectively and correctly, and the fear of the situation takes away the strength that could be useful for timely action to resolve a difficult financial situation.
And vice versa, remember, when there is a constructive attitude towards any business, it itself develops according to a more positive scenario.
Before taking a loan, it is advisable to assess how comfortable we can feel at the time when we will be forced to give it back. In this case, financiers recommend planning monthly payments in the amount of a third of the monthly income - this is the optimal amount. Let's now try to psychologically feel your feelings in the process of payments.
You can identify this with a simple picture. Imagine that you took out the loan you are thinking about and draw yourself and this loan on a blank sheet of paper. You can draw a loan in the form of a symbol or a cloud. It can be either concrete or abstract drawing.
Now look at your drawing and rate how difficult it is for you to interact with the selected loan. Is it larger than yourself? Does he feel heavy or aggressive, can he crush?
Of course, in some ways, such a description will be subjective. However, if you answer all these questions "yes", then it is worthwhile to think again whether you need to take out a loan now.
