When is a loan beneficial when planning the acquisition of an expensive asset?

The article considers the expediency of attracting loans for long-term accumulation of funds for the acquisition of expensive property. It is shown that the «potential of expediency» of attracting credit funds arises with non-zero inflation and the need for a relatively long period of accumulation of funds. It is substantiated that the attraction of a loan is justified only if the term and amount of the loan are correctly determined, taking into account the borrower’s ability to accumulate his temporarily free funds on a savings deposit and the formation of a separate replenishable deposit, as well as taking into account the level of inflation and market interest rates.