Finante-Banci
Cand nu e bine sa-ti refinantezi imprumutul
Tot mai multi romani cu credite luate in anii trecuti se duc la banca pentru a-si refinanta imprumuturile. Unii vor sa plateasca o rata mai mica, altii doresc o suplimentare a creditului initial.
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Specialistii avertizeaza insa ca refinantarea nu este avantajoasa pentru client daca se face in primii ani de la contractarea creditului.
„Sunt sanse foarte mari ca la aceeasi rata pe care un client o plateste in momentul de fata, printr-un credit de refinantare chiar sa suplimenteze suma creditului”, a declarat Alina Mosneagu, analist financiar in cadrul retelei www.infobancare.ro.
„Alte posibilitati sunt micsorarea ratei ori consolidarea datoriilor lunare intr-o singura rata cu o singura scadenta”, a mai spus Mosneagu, pentru Gandul.
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