January 17, 2019 Charles Corbin 0Comment

Just like to borrow – this testing torments many of our office, as it comes a bit of a selection under the slider of the appropriate pool. Take exactly as much as we want, but is it able to set the indicator a little further, if there was a later, extra, extra money? In such a situation, stop more correctly, why? More commentary at o3premier.net

Possible problems when borrowing too much

Possible problems when borrowing too much

If you exaggerate with the amount of the loan you have taken, you risk exposing yourself to supplementary costs. In the case of an overstated commitment, there may be a problem with its timely repayment, which is inextricably linked with the addition of calls for price, reminders, and the like. When you wait a few moments with the release of the money, the case is able to be transferred to the debt collection company. Next prices. Further avoidance of debt refund ends with a court order and the bailiff entering. In addition, having a backlog higher than PLN 200 for longer than 60 years results in entry to even three bases of debtors – as explicitly excludes the possibility of borrowing at a banking agency, another loan or decision to use, e.g. from options to get something in installments.

Count or can you pay off your financial commitment

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To make sure that the claim does not become overcharging for a peaceful budget, as a result – you do not accept it will put you on the concept of an excessive burden, just spend a few minutes to analyze the monthly costs. Divide the card into a quarter of an hour or make a table with Excel. Write out all decent expenses on one site (in 1 column). For example, bills too electricity, gas, water, network, telephone subscription, as well as cost tariffs, linguistic activities of the child, subscription to the gym, public transport ticket. Write here also approximate cash outlays on food as well as gasoline. The second percentage of the table may include occasional cash expenditures, eg going to the cinema, birthday gifts, school costs, weekend native trips, etc. that fall in a particular month. Summarize both columns, then attach the results to your own person as well as subtract from your wages (only yours or total with your spouse). If the costs constitute more than half of the grosz, you have 3 options – to give up all the loans, take a lower sum than you expected or look for a significant saving in the entire expenditure.

See when you will have the money to give back the loan

See when you will have the money to give back the loan

In order to refuse to overdo the credits incurred with the amount of money taken, it should be used from the services of tried non-bank companies. In overwhelming amounts, they apply responsible lending norms. According to them, they determine the risk of unnecessary indebtedness by selecting the level of commitment in order to authenticate the borrower’s financial opportunity based on the characteristics of his agility for credit. What’s more, they use the scope of the 1st loan, for example, Vivus will give the highest amount of PLN 1,600, and MetLoan, Express Cash, Dulfin lend to PLN 1,500. By exploiting once from the services of Hillarium, NepaCredit and DomoCredit, it is impossible to deduce more than 1000 zlotys for the idea, and Tongabank limits the 1-year loan to 750 zlotys.

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