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November 30, 1999

Mieszkaniowy kredyt

Payday loans

Kredyt mieszkaniowy to wieloletnie zobowi?zanie wobec banku, trwaj?ce nawet kilkadziesi?t lat. Tak d?uga umowa z bankiem czyni, ?e nadzwyczaj ci??ko jest przewidzie? wszelakie okoliczno?ci jakie mog? zaistnie? w tym czasie.

Z jednej strony nasza pozycja fiskalna mo?e znacznie si? usprawni? pozwalaj?c tym samym na szybsz? sp?at? kredytu, z drugiej jednak strony mo?e ona ulec pogorszeniu uniemo?liwiaj?c systematyczne sp?acanie rat. Nastanie gorszych czasów nie jest aczkolwiek jedynie problemem kredytobiorcy, ale równie? banku udzielaj?cego hipotecznego kredytu. Organizacje fiskalne pragn? w jak najwi?kszym stopniu niwelowa? zagro?enie niewyp?acalno?ci swoich klientów, co jest mo?liwe dzi?ki ró?nego rodzajom ubezpiecze?.

W zale?no?ci od konkretnego banku obowi?zek asekurowania mo?e by? inny. Jedne instytucje przymusz? na swoich konsumentach wykup ubezpieczenia konkretnymi podpunktami w umowie kredytowej, drugie natomiast pobudzaj? kredytobiorców do ubezpiecze? oferuj?c im zredukowanie mar?y. Bez wzgl?du czy mówimy o ubezpieczeniach obowi?zkowych czy dobrowolnych nale?a?oby zapozna? si? z zasad? ich dzia?ania, aby w momencie sygnowania umowy kredytowej mie? pe?ny obraz sprawy.

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