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Kredyt zaufania 25. stycznia 2011 21:08:00
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Kredyt to poważne zobowiązanie – trzeba pamiętać o comiesięcznym spłacaniu rat w określonym terminie i mieć na ten cel zawsze przygotowane środki. Żeby zawrzeć umowę kredytową trzeba także wykazać się dorosłością, zarówno w dosłownym tego słowa znaczeniu, czyli posiadać dowód osobisty, jak i w przenośnym – być na tyle dojrzałym, aby spłata zobowiązań nas nie przerosła. Trzeba dbać o to, aby nasza zdolność kredytowa utrzymywała się na stałym poziomie i terminowo spłacać wszystkie pożyczki. Podobnie patrzy na sprawę bank, jeśli przekonamy go do udzielenia nam kredytu, oznacza to, że daje nam on nie tylko pieniądze, ale i wyraża zaufanie, że kredyty spłacimy bez problemu. Wszystkie szczegóły tego „zaufania” znajdują się oczywiście w umowie kredytowej. W przypadku pożyczki bez bik bank nie ma już takiej pewności, ponieważ oszacowanie zdolności kredytowej nie jest takie łatwe. Dlatego te kredyty są przeważnie droższe w obsłudze, bo bank dodatkowo ubezpiecza się na wypadek, gdyby kredytobiorca opóźniał się ze spłatą rat.

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