Kredyt gotówkowy - wszystko co niedoświadczony kredytobiorca wiedzieć musi

Kredy gotówkowy na tle różnorakich towarów pożyczkowych. W naszym państwie funkcjonuje w chwili obecnej przeszło kilkadziesiąt banków. Właściwie w każdym z nich zdołamy zaciągnąć tego typu zobowiązanie. Posiada ono własne specyficzne cechy, które mam nadzieję poniższy materiał przybliży swoim czytelnikom.

W pierwszej kolejności wskazane jest wspomnieć o tym, że kredyt gotówkowy nie ma charakteru celowego a w związku z tym może zostać poświęcony na swobodnie wskazany przez nas cel. Mogą to być wczasy w jakimś egzotycznym kraju, zakup nowego sprzętu RTV/AGD lub którykolwiek inny cel konsumpcyjny. Rozróżnia go to od np. kredytu hipotecznego, który to jest z reguły zaciągany na budowę domu lub kupno mieszkania, kredytu konsolidacyjnego, w którym konsolidujemy nasze stare zadłużenia.

Z reguły kredyt gotówkowy jest przekazywany na względnie niewysoką kwotę (od kilku do kilkunastu tysięcy pln), nie narzuca konieczności poręczenia ani zabezpieczenia w formie posiadanej posiadłości. W tym przypadku istotne znaczenie przy jego przyznaniu ma to, jak duże dochody uzyskujemy i czy jesteśmy w stanie to udokumentować. Najkorzystniej, jeżeli posiadamy umowę o pracę na czas nieokreślony i mamy pracy w tzw. strefie budżetowej. Dodatkowo coraz systematyczniej banki aprobują także umowy cywilno-prawne np. umowa zlecenie, umowa o dzieło, pod warunkiem, że długość ich trwania jest dłuższa aniżeli trzy miesiące.

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