Loan, loan or payday loan?The differences in monthly installments are huge - renovation as a gift
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Loan, loan or payday loan?The differences in monthly installments are huge
Do you need money for unexpected expenses?You have three financial products to choose from: cash loan, loan and micro -football, i.e..payday loan.Regardless of what you choose, you can overpay a lot or save.
Autor: Monika Rosmanowska10 / 11 / 2020podziel się:
Loan or loan?
A loan is a flexible and available form of financing.It can be used for any purpose, and it can be granted not only by banks, but also loan companies or even private individuals.
The loan granting procedure is maximally simplified, thanks to which the borrowed money affects the account in a short time.What's more, people whose credit history is not perfect can use this solution - for example, a problem with timely paying bills, e.g..for a phone or cable.
Konrad Pluciński, head of the Intection Financial Analysts Team "," Eventcategory ":" Cross_Link "," Eventation ":" Click "," Eventlabel ":" Https: \/\/www.TotalMoney.pl\/"}' >Totalmoney.PL: - Regardless of whether we decide on a bank loan or prefer to use the loan, we should always check the costs and compare at least a few offers with each other.Depending on the amount and repayment period, we can save in this way from several hundred to even several thousand zlotys.
Loans are granted only by banks and SKOKs.The rules for granting loans are strictly defined, which increases the safety of concluding such contracts - for both clients and the bank.
On the other hand, it is a less flexible offer.The bank conducts a thorough analysis of creditworthiness and checks the customer's credit history.Also requires fixed and documented income.It may also turn out that one phone invoice unpaid on time will block us access to a loan for a used car from the commission.
And what about the 500+ benefit paid every month for each child? Does it affect our creditworthiness?- some banks to count creditworthiness also accept a 500+ benefit.However, it is not taken into account when it is the only source of income.If 500+ is an allowance at an employment contract, a civil law contract or business activity, then the bank recognizes it as an amount increasing creditworthiness - explains Konrad Pluciński.
There are also loans on the market as proof, i.e. without income certificates (most often they apply to small amounts and people who have already used the services of a given company).
It is worth remembering that the lower the requirements for the loan, the more we will have to give up.There is nothing for free.
So what to decide on?Cash loan or loan?
The cash loan can be taken for any purpose, without settling with the bank from the use of funds.More and more banks offer them online, i.e. without a visit to the bank branch.Thanks to this, we can get a loan as quickly as a loan, and the commitment will probably be much cheaper than a loan - sums up the Intection expert "," Eventcategory ":" Cross_Link "," Eventation ":" Click "," Eventlabel ":" Https: \/\/www.TotalMoney.pl\/"}' >Totalmoney.pl.
Via the Internet, but not through the search engine
Today, regardless of whether you want to borrow a thousand zlotys or 100,000 zlotys, you can get money to your account without leaving your home.Just go to the website of the loan company or bank and submit an application.We sign the contract online (e.g..A trusted profile or an activation code with SMS) or via a courier.
The addresses of lenders and lenders can be found in a few seconds, entering the phrase in the search engine: credit, loan, etc..
It's just that it's the worst way to borrow money through the network.It can certainly be the most expensive.Example?Do you need PLN 10,000 for two years?If you get to the Alior Bank website, you will pay an installment of PLN 462.04 every month.When it is PKO Bank Polski, the monthly installment of the cash loan will increase to PLN 515.61.In the latter case, the total amount to be repaid is PLN 12,374.At the first proposal, we will give the bank PLN 11,089.The difference is therefore significant.Where do you know about it?
Powyższe obliczenia pochodzą z porównywarki TotalMoney.pl.This is a service where we will find offers of banks and loan companies operating legally on the Polish market.The comparison machine is free, there are no ads in it.The website earns the service only when he manages to effectively connect the bank or loan institutions with the client.
The offers are updated every day, and the ranking is not won by proposals paid by banks or financial institutions, but the cheapest and really available to customers.The comparison machine allows you to learn about the offer of many financial institutions.In the list we see nominal interest rates, APRC, commission amount or monthly installment.
Check before you borrow for a moment
Loans or loans are an offer for people who need money for longer and in slightly higher amounts.What Poles willingly use are also short -term micro -lens (so -called.payday loans).
I must admit that this is the most expensive solution, although the first loan is often free.You give exactly the same as you borrow.The obligation must be repaid entirely on the day of the end of the contract.Customer verification by loan companies (banks do not grant payday loans) runs quickly, the formalities are limited to a minimum, and the requirements that the borrowers must meet - remain small.
Hence, payday loans are up to several thousand zlotys.The maximum repayment time is also much shorter - most often it does not exceed 30 days.As a rule, payday loans are to cover unexpected expenses, e.g..car repair, purchase of equipment or organization of holidays.
This type of loan today is also available mainly via the Internet, and most loan companies do not have stationary customer service points.Hence, it is also so important to check in the comparison toy how much competition is demanding for the same thousand zlotys borrowed.Example from Interaction "," Eventcategory ":" Cross_Link "," Eventation ":" Click "," Eventlabel ":" Https: \/\/www.TotalMoney.pl\/"}' >Totalmoney.pl?
By borrowing a thousand zlotys for a month we will give away a thousand zlotys.Or PLN 1160.The difference is therefore significant.
Kto może starać się opayday loan? Osoba pełnoletnia, ze stałym adresem zamieszkania na terenie Polski, posiadająca rachunek w polskim banku, korzystająca z poczty elektronicznej, dysponująca polskim numerem telefonu.A payday loan, although for a small amount, can also get people with a negative credit history in BIK, which companies boast in their offers.
Importantly, payday loans should be taken from reliable lenders.How to check?The company should have a registered activity, and it is best to belong to the Polish Association of Loan Institutions.Its credibility should also be verified in the register of loan companies, the register of loan institutions or the National Court Register.
Of course, we can skip burying in registers if we use interaction "," Eventcategory ":" Cross_Link "," Eventation ":" Click "," EventLabel ":" Https: \/\/www.TotalMoney.pl\/"}' >Totalmoney.pl., because the service provides offers only legally operating companies.
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