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Cel mai avantajos credit de nevoi personale - Blogbiz - Revista online

Cel mai avantajos credit de nevoi personale

credit de nevoi personale

Ce credit de nevoi personale va fi cel mai profitabil in noul an si cel mai avantajos, si cu ce rate si dobanzi poti naviga in viitorul apropiat? Iata cifrele medii:

Dobanda

Ratele dobanzilor la creditele de nevoi personale pot varia de la 9% la 25,5% pe an, dar media este de aproximativ 11,9-20%. De obicei, bancile ofera titularilor de carduri sau clientilor salariati, rate cu dobanzi mai scazute decat cele fara card. Acest lucru se aplica si celor care primesc primul imprumut in aceeasi banca.

Sume. Majoritatea bancilor ofera imprumuturi foarte mari, insa suma maxima variaza de la o banca la alta. Termenii de rambursare ai diferitilor creditori sunt, de asemeni, diferiti. In medie, termenul este cuprins intre 1-3 ani, dar pentru sume mari termenul poate fi marit pana la 7 ani. Toate imprumuturile sunt calculate pentru fiecare imprumut in parte, deoarece  consumatorul va face o contributie stabilita in contract in fiecare luna.

dobanda credit

Atentie la sanctiuni

Sanctiunile pentru intarzierea efectuarii platilor, sunt stabilite in cazul in care imprumutatul nu a facut o depunere a ratei la timp. De obicei, banca utilizeaza doua tipuri de penalitati – sub forma unei sume fixe sau sub forma unei majorari a dobanzii la imprumut. In cazul creditelor de nevoi personale, este adesea utilizata o a doua metoda. Daca dintr-un anumit motiv nu poti efectua o plata lunara la timp, este mai bine sa suni la banca pentru o reesalonare.

In caz contrar, este foarte probabil ca va trebui sa platesti  intre 0,5 si 2% penalitati din suma ratei pentru fiecare zi de intarziere. Posibilitatea unui plan de rate este un parametru important al unui imprumut profitabil. Este prescris fie in contract, fie intr-un acord suplimentar cu banca. Asa cum s-a spus mai sus, daca nu poti plati intreaga suma lunara dintr- un motiv sau altul, banca iti poate oferi posibilitatea de a rambursa suma solicitata in mai multe moduri. Insa, nu toate bancile ofera un astfel de serviciu.

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