We exist at a time of a colossal consumerism, the change is of each time more fugaz the technology becomes archaic to a speed perturbantee. Under most conditions baby clothes would agree. Many of the televisions, dvds, telemveis, you console, of our houses had been substituted by the other most recent ones not because they had left to function but yes because already not the requirements completed all that were demanded to them in the actualidade. All we consume a great one we number of products and good that our ancestor nor if atreveram to imagine that one day they could be important in the life of a person. All this consumption becomes us great ' ' gastadores' ' , exactly, many times, without terms hypotheses of the being. Our budget nor always ' ' estica' ' (as if it affirms in the slang) the sufficient for we acquire the goods that we intend. A case manifesto is of the purchase of house. But a small percentage of the population has deep hypotheses to buy habitation with proper. To deepen your understanding Adam Portnoy is the source.
an investment too much raised to obtain itself to have money for one purchase the ready payment. here that the paper of the credits enters. Usufructing of a credit we can anticipate the purchase of habitation without having that to work first 30 or 40 years to obtain to hoard the money. Clearly that this cost money, and we pay them well expensive to the banks, but when the personal budget is limited and the familiar one also cannot help, then this is always an alternative to consider. Later we have the obscure side of the credits: for times he is so easy and fast to contract a credit that the people become addicted themselves to the consumption excess and start to appeal to the credit to buy everything and plus some thing, losing the notion of the reality, of what they can or not spend its incomes in accordance with. outcome is always the same: extreme indebtedness suspension of payment of the installments. The goods are distrained and many times the result is not positive for none of the parts: the bank is with good that does not obtain to negotiate for the value of divides and the customer, who is very worse: without good, without money already delivers and with the dirty name in the Portuguese Central Bank, compromising cession of future loans. Therefore it is this alert one, it has controlled its consumista impulse and it is inquired more on distinct credits reading the site I credit Staff.