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Warning: file_put_contents() [function.file-put-contents]: Only 0 of 110 bytes written, possibly out of free disk space in /home/legala/don-advokat.ru/money/wp-content/pdo/PDOEngine.php on line 636 Kredyty hipoteczne porownanie
| Kredyty pozabankowe
Mechanizm bilansowania – odsetki od kredytu naliczane są od różnicy pomiędzy wykorzystaną kwotą kredytu a środkami zgromadzonymi na koncie bilansującym.
Okres kredytowania może trwać nawet 40 lat.
Możliwość kontroli spłaty kredytu przez internet.
Maksymalny wiek kredytobiorcy - 75 lat.
Karencja w spłacie pożyczki – możliwość czasowego zawieszenia spłat kapitału.
Wakacje kredytowe - możliwość zawieszenia spłaty rat kredytu.
Możliwość rozłożenia spłaty nawet na 20 lat.
Bank nie wymaga ubezpieczenia brakującego wkładu własnego.
"Wakacje kredytowe" - możliwość zawieszenia spłaty 1 raty rocznie - po 12 miesiącach terminowej spłaty kredytu. W sytuacjach wyjątkowych istnieje możliwość prolongaty spłaty na dłuższy okres.
Okres kredytowania wynosi do 25 lat.
Wysokość kredytu: nawet do 70% wartości nieruchomości.
Ubezpieczenie pomostowe: jest stosowane przez Bank; Bank może zrezygnować z tego ubezpieczenia w okresie przejściowym zastępując je np.: podwyższoną marżą (po spełnieniu warunków) lub innym zabezpieczeniem honorowanym przez Bank.
O jeden kredyt mogą ubiegać się maksymalnie 3 gospodarstwa domowe, jednak nie więcej niż 6 osób.
Możliwość uzyskania kredytu z okresem spłaty nawet do 30 lat.
Wstępna decyzja kredytowa wydawana jest w 1 dzień od złożenia przez Klienta kompletnego wniosku kredytowego w oddziale Banku. Wypłata środków w ciągu 10 dni od wydania wstępnej decyzji możliwa jest pod warunkiem podpisania przez Klienta umowy oraz spełnienia warunków określonych w umowie.
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