Bankowe zobowiazania finansowe

autor: dnia 25.Cze.2015, kategoria: Bez kategorii

Kredyt konsumpcyjny

Kredyt konsumencki to wszelka umowa, na kanwie jakiej otrzymujemy od banku ustaloną sumę pieniędzy do dyspozycji i zobowiązani jesteśmy ją w przyszłości oddać w naznaczonych porach wraz z procentami i innymi kosztami kredytu. Wielce istotnym czynnikiem, na który trzeba skierować atencję jest prawdziwa roczna stopa procentowa to znaczy całkowity koszt kredytu w skali roku wraz z innymi opłatami dodatkowymi – np. ubezpieczeniem. Należy zestawiać dokładne koszty przeróżnych kredytów aby wybrać najlepszy – najtańszy.
Nie wszystkie kredyty podlegają stosowaniu regulacji o kredycie konsumenckim, i są to drobne kredyty do 500 zł., jak i ogromne wykraczające ponad 80 tysięcy, oraz te w których termin spłaty nie wykracza ponad 3 miesiące. Ustawa o kredycie konsumenckim nie znajdzie zastosowania też do kredytów „mieszkaniowych”
W umowie kredytu jest oznaczony cel, na jaki zostaną oddane środki.


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