The first solution, from which we can use the loan to the bank. But recently banks have become an institution for the chosen. One does not want to give credit, others can not afford it. It turns out that the average annual percentage rate (RRSO) such a service – as calculated from the analyst firm marketing praktycy.com – is around 33 percent. Record is Raiffeisen Bank, which offers interest-bearing loans, in fact, at 49 percent.
Other examples? There you go. The Bank Pekao SA and PKO BP PLN 2,000 loan requires the borrower to repay the approximately 2,350 PLN in the next 12 months and the monthly installment amount to about PLN 195, which means RRSO at around 34 percent.
It may, therefore, a credit of a credit card? God forbid. For example, having entered into a commitment on your Citibank Visa Platinum 2000 USD to be paid in 12 months we have over 2675 €. What’s more, the owner of the card but the first installment is required to file the annual fee for the use of it, which in this case was as much as 450 €.
If you do not have sufficient credit capacity of the customs-cleared with the bank kwitkiem. Then lend to financial institutions that offer so-called. “Chwilówki”. Quickly and without certificates, you can get to 7000 €. But it cost. Institutions involved in błyskawicznymi cash loans, Provident example, set a very high percentage rate of the loan. For example, for the amount of PLN 3,000 borrowed for 28 weeks and przyniesionych traveler by Provident to home (he also is receiving installment) weekly installment will be 176 PLN, 654 PLN cost loans., A “transport” the additional money it cost 1285 €. So RRSO will be 108 percent!
Recently, however, on the Polish market is an alternative to bank loans and institutions parabankowych. Speech by społecznościowych loans online (called social lending). People lend each other money through the website. How is lent on the web? A bit like in the listing. The beneficiary specifies the time and the proposal of repayment of interest for the potential investor. If you create a sufficiently attractive “offer”, he objected to the potential lender that there are those individuals wishing to invest their surpluses. Interest rates on social sites lendingowych varies depending on the rating, or high-risk borrower, between 4% and 20%. The average interest rate on loans for example, to smava.pl is 14% (RRSO) – says Mariusz Wszołek with praktycy.com, serving the marketing portal.
