Zwykła oferta kredytowa cd.

Czy możliwe jest aby doradca w banku proponował mi kredyt, za który zapłacę … 80% w ciągu 5 lat? Przecież oprocentowanie to tylko 10% i 9,99% prowizji.
Coś tu się nie zgadza – myślisz.
I masz rację, coś tu się nie zgadza …

Aby to wyjaśnić, skorzystam z oferty banku, o której pisałem w poprzednim wpisie. Wszystkie dane pochodzą z oficjalnej strony banku i zostały jedynie zaokrąglone – nie chodzi przecież o grosze.

Przychodzimy do banku po 13 150 zł ( tyle dostajemy do ręki),
do tego bank doliczy nam :
– ubezpieczenie na życie 1 723 zł,
– ubezpieczenie od utraty pracy 1 807 zł,
– prowizję od kredytu 1 851 zł,
– odsetki 5 261 zł.
Razem doliczono – 10 642 zł

Do ręki dostajesz przypominam 13 150 zł
a oddać trzeba 13 150 zł + 10 642 zł = 23 792 zł,
czyli ponad… 80% pożyczonej kwoty !! Tak to się robi…
Jaki z tego wniosek? Prowizja i oprocentowanie to jedynie część kosztów jakie możemy ponieść w banku. I to wcale nie największa. Trzeba być czujnym!
Jeżeli wybieracie się do banku po kredyt to zanim podpiszecie umowę poproście o symulację kredytu i zadzwońcie do mnie.
Oszczędność gwarantowana!

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