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Jak uniknąć drogich kredytów gotówkowych. » Dobre inwestowanie

Jak uniknąć drogich kredytów gotówkowych.

by admin on Fri, Aug 12 2016 12:07:00

Co to jest drogi kredyt? Czy kredyty gotówkowe muszą kosztować nas krocie? Zobaczmy zatem jak nie nadziać się na wielkie koszty kredytowania i jak podarować sobie odrobinę spokoju. Jak wiadomo nie zawsze jesteśmy w stanie wszystko samodzielnie zweryfikować. W wielu przypadkach wydaje nam się, że każdy kredyt gotówkowy na nas zarabia krocie i musimy płacić ogromne oprocentowanie i inne koszty za nic. Prawda jest taka, że nie płacimy za nic, a zawsze za coś. Każdy bank ma prawo wycenić obsługę kredytu tak, jak mu się to podoba, nie zapominajmy, że nad kredytami również pracują ludzie, którzy chcą zarabiać. W dzisiejszych czasach mamy ogromny dostęp do informacji. O kosztach kredytu możemy poczytać na forach oraz stronach internetowych. Kredytowanie nie jest takie proste jak może się wydawać, a jeśli wydaje nam się proste to za jakiś czas wracamy do naszego banku z wieloma pytaniami. Koszt jaki generuje sam kredyt to oczywiście oprocentowanie, które mamy jasno i czytelnie podane chociażby w każdej jednej reklamie. Korzystanie z banku nie zawsze jest dla nas w stu procentach czytelne. Kolejnym kosztem są ubezpieczenia, które czasami kosztują kilkanaście złotych miesięcznie, czyli do jednej raty. Ubezpieczenie jest bardzo ważnym elementem kredytowania w kilku przypadkach: jeśli nie mamy pewności co do swojej sytuacji finansowej i wiemy, że za chwile możemy stracić pracę, jeśli nasze zdrowie jest chwiejne i jest bardzo możliwe, że wylądujemy na jakiś czas w szpitalu. Ubezpieczenia kredytów gotówkowych wyglądają bardzo różnie. W zależności od tego czego potrzebujemy, będzie nam potrzebne konkretne ubezpieczenie lub poradzimy sobie bez niego. Jeśli jednak jesteśmy pewni, że nic się nie wydarzy, możemy z całym spokojem z ubezpieczenia zrezygnować. Nie jest to jednak polecane rozwiązanie. Kolejnym kosztem jest samo udzielenie kredytu. W tym momencie chwilówki zdecydowanie wygrywają – koszt takiej pożyczki jest zdecydowanie większy. Płacimy tutaj nie tylko znacznie wyższy procent, ale również obsługa. Każda wizyta domowa jest dokładnie policzona. Oczywiście jeśli chcemy przedłużyć czas trwania pożyczki, musimy zapłacić dodatkowe pieniądze. Zatem nasza pożyczka staje jeszcze droższa i droższa. Nie zawsze stać nas na zapłacenie wszystkich pieniędzy za tydzień, zatem za moment płacąc kolejne kwoty przedłużamy pożyczkę o kolejne tygodnie. I tak stajemy się ślimakiem w spirali kredytowej. Jeśli mamy jakiekolwiek wątpliwości, zdecydujmy się na poważną rozmowę z pracownikiem banku. Dopiero wtedy, kiedy zrozumiemy wszystko w naszej umowie kredytowej, będziemy mogli spokojnie złożyć podpis. Przy braku pewności nie zawierajmy umowy! Pracownik banku czy firmy pożyczkowej ma obowiązek dokładnie nam wszystko objaśnić. Zastanówmy się zatem czego potrzebujemy i czy możemy sobie pozwolić na zmniejszanie kosztów rezygnując z ubezpieczeń oraz innych rzeczy. Zacznijmy kredytować z głową!

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