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Při výběru nebankovního úvěru je třeba opatrnost

Půjčit si peníze od nebankovní společnosti nemusí být samozřejmě vždy a všude cestou do pekel či rovnou do spárů exekutora. Pokud si dáte dobrý pozor při výběru a budete se držet několika osvědčených rad, zjistíte, že nebankovní půjčky jsou vlastně velmi zajímavou alternativou k běžným bankovním úvěrům. A dokonce nabízejí i mnohé výhody, kterých se v bance skoro s jistotou nedočkáte. Na co se tedy konkrétně zaměřit?

Nezaplatíte snad trochu příliš?

Kdysi bylo běžnou praxí, že nebankovní společnosti lákaly na velmi nízký úrok, který byl ovšem vykoupen nejrůznějšími skrytými poplatky, například za administrativu, za poskytnutí, za zřízení úvěrového účtu a tak podobně. Z krásného a velmi nízkého úroku tak většinou zbyla jen velká díra v peněžence. Tomu se sice nevyhneme občas ani dnes, na rozdíl od dob minulých jsou však poskytovatelé úvěrů ze zákona povinni uvádět hodnotu RPSN. Takzvaná roční procentní sazba nákladů uvádí, kolik za úvěr zaplatíte na všech poplatcích za jeden rok. Můžete si tak snadno spočítat, která nabídka je pro vás výhodnější.

Proč je lepší vidět RPSN než jednotlivé sazby?

  • ihned vidíte, kolik ročně zaplatíte
  • máte možnost okamžitého srovnání s ostatními nabídkami
  • eliminuje se riziko skrytých poplatků, vše musí být zakalkulováno v RPSN
  • pracháč

Nesmyslně velké sankce, pokud se nesplácí

Poskytovatelé nebankovních půjček neblaze prosluli i vysokými sankcemi při nesplácení. Navíc, dnes nikdy nevíte, co se přesně může stát. Přijít o práci může takřka každý a splátkový kalendář, co nepůjde nijak změnit, se potom může stát velkým problémem. Při výběru tedy dobře prozkoumejte, jaké sankce případně hrozí nebo zda se dá s výší splátek případně nějakým způsobem hýbat. Dobré nebankovní společnosti poskytující nejvýhodnější půjčky na trhu často nabídnou také možnost odložení splácení.

Jak dlouho si počkáte na peníze?

Vybírat musíte i podle toho, jak rychle peníze potřebujete. Zatímco někteří poskytovatelé dokážou zajistit prakticky okamžitý převod a vyplatit půjčky ihned, u jiných může nastat situace, kdy peníze obdržíte třeba až za týden. Každopádně, pokud na finance spěcháte, dočkáte se prakticky vždy kladné odpovědi a převodu prostředků v řádu maximálně desítek minut.

 

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