{"id":6195,"date":"2020-07-15T12:56:07","date_gmt":"2020-07-15T10:56:07","guid":{"rendered":"https:\/\/ratownicykredytowi.znakomity.net\/?p=6195"},"modified":"2020-07-15T13:01:25","modified_gmt":"2020-07-15T11:01:25","slug":"jak-splacic","status":"publish","type":"post","link":"https:\/\/ratownicykredytowi.znakomity.net\/?p=6195","title":{"rendered":"Jak sp\u0142aci\u0107 kredyt bankowy lub chwil\u00f3wki?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6195\" class=\"elementor elementor-6195\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68ca9f0a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68ca9f0a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-67f829cb\" data-id=\"67f829cb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10b4c8c5 elementor-widget elementor-widget-text-editor\" data-id=\"10b4c8c5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Co to jest konsolidacja?<\/strong><\/p><p>Konsolidacja to zmiana obecnych kredyt\u00f3w i chwil\u00f3wek na nowy kredyt bankowy, kt\u00f3ry ma mniejsz\u0105 rat\u0119 i d\u0142u\u017cszy okres sp\u0142aty. Innymi s\u0142owy bank sp\u0142aca aktualne zobowi\u0105zania z chwil\u00f3wek i kredyt\u00f3w.<\/p><p><strong>Jak si\u0119 to za\u0142atwia?<\/strong><\/p><p>Mo\u017cna p\u00f3j\u015b\u0107 bezpo\u015brednio do banku i z\u0142o\u017cy\u0107 wniosek. Wymaga to jednak du\u017cej ilo\u015bci formalno\u015bci i dokument\u00f3w oraz wizyt w oddziale. Mo\u017cna te\u017c skorzysta\u0107 z pomocy eksperta kredytowego, kt\u00f3ry w imieniu klienta wy\u015ble wniosek do banku, przygotuje go do z\u0142o\u017cenia wniosku (wyczy\u015bci BIK), uzupe\u0142ni braki w dokumentach i b\u0119dzie negocjowa\u0107 najlepsze mo\u017cliwe warunki.<\/p><p><strong>Czy bank zawsze si\u0119 zgadza?<\/strong><\/p><p>Niestety nie, bank bierze pod uwag\u0119 typ zatrudnienia, histori\u0119 kredytow\u0105 i inne, tylko im znane czynniki, aby przewidzie\u0107 ryzyko tego, \u017ce osoba b\u0119dzie mia\u0142a problem w sp\u0142acie tego kredytu.\u00a0<\/p><p><strong>Czy to oznacza, \u017ce je\u017celi mam jakie\u015b op\u00f3\u017anienie lub nie mam idealnej umowy zatrudnienia to nie mam szans?<\/strong><\/p><p>Tutaj znowu przydatna jest pomoc do\u015bwiadczonego eksperta kredytowego. Histori\u0119 kredytow\u0105 mo\u017cna naprawi\u0107 i wyczy\u015bci\u0107, pousuwa\u0107 stare zapytania czy kredyty kt\u00f3re zosta\u0142y dawno sp\u0142acone, tak jakby ich nigdy nie by\u0142o.<\/p><p>Dobry specjalista od bardzo dobrze te\u017c zna specyfik\u0119 bank\u00f3w i potrafi dopasowa\u0107 dan\u0105 osob\u0119 (jej raport BIK, typ umowy, wielko\u015b\u0107 dochod\u00f3w itd) do konkretnego banku w kt\u00f3rym dana osoba ma najwi\u0119ksze szans\u0119 na kredyt.\u00a0<\/p><p><strong>Powodzenia, w razie potrzeby zapraszamy do kontaktu!<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Co to jest konsolidacja? Konsolidacja to zmiana obecnych kredyt\u00f3w i chwil\u00f3wek na nowy kredyt bankowy, kt\u00f3ry ma mniejsz\u0105 rat\u0119 i d\u0142u\u017cszy okres sp\u0142aty. Innymi s\u0142owy bank sp\u0142aca aktualne zobowi\u0105zania z chwil\u00f3wek i kredyt\u00f3w. Jak si\u0119 to za\u0142atwia? Mo\u017cna p\u00f3j\u015b\u0107 bezpo\u015brednio do banku i z\u0142o\u017cy\u0107 wniosek. Wymaga to jednak du\u017cej ilo\u015bci formalno\u015bci i dokument\u00f3w oraz wizyt [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":"","_glsr_average":0,"_glsr_ranking":0,"_glsr_reviews":0},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/ratownicykredytowi.znakomity.net\/index.php?rest_route=\/wp\/v2\/posts\/6195"}],"collection":[{"href":"https:\/\/ratownicykredytowi.znakomity.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ratownicykredytowi.znakomity.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ratownicykredytowi.znakomity.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ratownicykredytowi.znakomity.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6195"}],"version-history":[{"count":0,"href":"https:\/\/ratownicykredytowi.znakomity.net\/index.php?rest_route=\/wp\/v2\/posts\/6195\/revisions"}],"wp:attachment":[{"href":"https:\/\/ratownicykredytowi.znakomity.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ratownicykredytowi.znakomity.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ratownicykredytowi.znakomity.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}