Consumer loan, leasing, credit card: convenient – but often a costly trap.
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Avoid the trap
Trap 1
The consumer loan
High interestcapped by law, but costly
Pay for longfor what's already used
Ruleonly buy what you have
Trap 2
Leasing
Nothing is yoursyou only rent
In the endusually more expensive
Clausesmileage and return
Trap 3
The credit card
Partial paymentvery high interest
Always pay in fulland on time
Minimum paymentthe costly trap
The way out
When it's already too late
Most expensive firstreduce debt
Talkto your creditors
Debt collectionavoid at all costs
Good to know
Are you keeping control?
💡 First step: Buying on credit is the most expensive way to live – avoid loans, leasing and partial payment and you save a lot and stay financially free.