Finante-Banci
Capcanele refinantarii creditelor. La ce sa fii atent ca sa nu fii pacalit
Nu cadeti din nou in pacatul de a va indatora prea mult la banci si calculati atent costul refinantarii - sunt doua sfaturi pentru persoanele care vor sa isi reduca rata la credite.
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Bancile le propun clientilor refinantari foarte tentante, dar care trebuie analizate cu atentie, spun consultantii financiari.
Insa nu valoarea ratei conteaza, deoarece aceasta poate fi variabila, deci poate creste in perioada rambursarii. Pentru a vedea daca iesiti in avantaj, trebuie sa va raportati la valoarea totala a creditului, incluzand comisioane si dobanzi. Valoarea totala a refinantarii, la care se adauga costurile opera tiunii, trebuie sa fie mai mica decat cea a creditului actual, relateaza EVZ.
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