On the Polish market today you can find many companies granting loans or offering loans. In addition to banks, non-bank institutions are becoming more and more popular. But it is not always possible or profitable to use their services.
It is true that you can have money on your account the same day, without filling out a lot of documents. On the other hand, borrowing conditions are less profitable, and the amount incurred in these institutions is around several thousand. So if you are interested in, for example, a loan for an apartment, the only solution is to contact the bank.
Is it easy to get such a loan? And what factors influence the bank’s decision?
The analysis of future cooperation with the bank should start with our credit history. And here, contrary to appearances, the one who has never taken a loan is not in a better position. For the bank, it is important how we approach commitments. If we already have a loan that we have repaid on time, then the bank has a picture of our approach to the issue of regulating liabilities. Seeing that we do not run away from them, he is more willing to grant us a loan, seeing that we are creditworthy.
What else is worth paying attention to?
On factors that in the bank’s opinion may reduce our ability to pay installments. One such factor is the size of your monthly commitments. So if we have any loans, let’s try to pay them back sooner. It’s also good to opt out of a credit card. It is also a factor that has an impact on the risk assessment made by banks.
Is it worth taking a loan for an apartment?
As it turns out, the most, if we want flats on our own and we want this dream to come true as soon as possible. Such a loan is simply an investment in your dream future.