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Pożyczki na raty – jak dobrać ofertę?

pozyczki_obarskaPodejmując decyzję o wzięciu pożyczki ratalnej powinniśmy pamiętać, że z wybraną instytucją pożyczkową będziemy związani przez najbliższe miesiące. Właśnie dlatego warto jest przejrzeć oferty kilku instytucji, aby wybrać tą, która spełni nasze oczekiwania.

Nie podejmuj decyzji pod wpływem chwili

Zanim wybierzemy najkorzystniejszą internetową pożyczkę warto najpierw wykonać analizę naszego budżetu. Zastanówmy się jaka kwota jest nam potrzebna, a następnie rozpiszmy sobie nasze miesięczne wydatki. Przydatny może okazać się arkusz kalkulacyjny excel. Stwórzmy tabelę, do której wpiszemy kwotę naszego wynagrodzenia i wszystkie wydatki – te obowiązkowe jak opłaty oraz te dodatkowe, które przeznaczamy na comiesięczne przyjemności. Po przeliczeniu będziemy mieli jasność jaka kwota jest wolna w naszym comiesięcznym budżecie. Pomoże nam to określić wysokość raty, która w naszym przypadku będzie optymalna. Na rzecz spłaty zobowiązania nie powinniśmy rezygnować całkowicie z kwoty przeznaczonej na tak zwane „przyjemności”, bo wówczas miesiące spłaty pożyczki będą dla nas katorgą. Możemy rozłożyć zobowiązanie na jeden, czy dwa miesiące dłużej i nie rezygnować całkowicie ze spotkań z przyjaciółmi, czy rodzinnych wypadów za miasto.

Porównaj kilka ofert

Przede wszystkim warto jest poznać kilka ofert, aby mieć porównanie jakie warunki pożyczki możemy uzyskać u konkurujących ze sobą firm. Przydatne do tego są niezależne porównywarki pożyczkowe. Wystarczy, że wpiszemy kwotę oraz okres, który nas interesuje, a ukaże się nam lista instytucji pożyczkowych, która jest zazwyczaj ułożona od najtańszej oferty. Zestawienie w porównywarce powinno zawierać również informację o wysokości raty miesięcznej dla wcześniej wybranej przez nas kwoty i okresu spłaty. Co więcej niezależne portale starannie weryfikują firmy pożyczkowe, dlatego korzystając z ich usług możemy być pewni, że nie są to tzw. „firmy – krzaki”.

Wniosek o pożyczkę online wypełnić możemy w zaledwie parę minut. Intuicyjna forma i minimum formalności – tym charakteryzują się pożyczki udzielane przez internet. Co ważne większość instytucji pozabankowych udziela odpowiedzi na wniosek w ciągu kilku minut. Pamiętajmy jednak, aby decyzje pożyczkowe podejmować roztropnie, bez zbędnego pośpiechu.

WSZYSTKIE PRAWA DO TEKSTU ZASTRZEŻONE. Możesz udostępniać tekst w serwisach społecznościowych, ale zabronione jest kopiowanie tekstu w części lub całości przez inne redakcje i serwisy internetowe bez zgody redakcji pod groźbą kary i może być ścigane prawnie.

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