Any other suggestions? I think you should analyze other offers. Maybe you'll find a much better offer. There are a lot of different services on the Internet to help you decide. I always look at all my options before I make a loan. My biggest loan was lainaa 50,000. Because I review all offers intelligently, I overpay a little more than the rate of inflation. Be careful; some banks give loans with high-interest rates.  Always read the contract you sign, especially the ones written in tiny letters.