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How can alternatives be kept in a borrowing comparison?
This makes the intended benefit and its timing visible without assuming borrowing is necessary.
Compare the consequences using the household's actual constraints. The exercise identifies trade-offs and should not be presented as a universal instruction to borrow or to wait.
Details
- Identify the amount received and the opening balance
- Read fee treatment in the written offer
- Compare the dated repayment schedule
Before you compare offers
Read the borrowing-cost checklist
Keep a written offer open while you locate the amount received, charges and total amount repayable.