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Kredyt na dowod

W przypadku wzięcia kredytu należy także podpisać specjalną umowę kredytową. Aby to zrobić, trzeba dostarczyć bankowi dokumenty, które są niezbędne do oszacowania zdolności kredytowej. Są to między innymi zaświadczenia z miejsca pracy o wysokości dochodów lub decyzje o przyznaniu renty lub emerytury, zaświadczenia o niezaleganiu z podatkami i składkami ubezpieczeń i wiele innych, które są uzależnione od rodzaju pożyczki. W przypadku kredytu hipotecznego jest ich o wiele więcej niż wtedy, gdy ubiegamy się o kredyty gotówkowe. Banki sprawdzają także dotychczasowe kredyty i regularność ich spłat w Biku. Coraz powszechniejsze są także oferty kredytów na dowód osobisty. Są to specjalnego rodzaju pożyczki, które są przeznaczone na przykład dla osób, które nie mają dochodów lub są bezrobotne. Ze względu na brak szczegółowych dokumentów właśnie takie pożyczki dla bezrobotnych i pochodne mają wyższe opłaty i oprocentowanie, ponieważ bank nie wie, czy w rzeczywistości takie osoby są zdolne do terminowej spłaty zobowiązań.

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