Jak obniżyć koszty kolejnej pożyczki

Jak obniżyć koszty kolejnej pożyczki

Obecnie wiele firm pozabankowych oferuje pierwszą pożyczkę całkowicie za darmo. Ta propozycja dostępna jest wyłącznie dla nowych pożyczkobiorców. Druga i kolejne pożyczki wiążą się z dodatkowymi opłatami. Czy można zmniejszyć koszt kolejnego zobowiązania? W poniższym artykule podpowiemy sposoby na zmniejszenie opłat kolejnej pożyczki.

W 2016 roku powstały nowe zapisy antylichwiarskiej ustawy, znacząco ograniczające samowolę instytucji pozabankowych. Ustawa reguluje także limity opłat, które towarzyszą zaciągnięciu pożyczek internetowych. Maksymalna wysokość opłat pozaodsetkowych nie może przekraczać 30% kwoty zobowiązania w skali rocznej. Wysokość odsetek ustawowych stanowi 10%.Nowi klienci firm pożyczkowych mają duże przywileje. Dużo instytucji pożyczkowych oferują darmowe pożyczki pod warunkiem terminowej spłaty wszystkim nowym klientom. Są jednak klienci, którzy nie chcą lub po prostu nie mogą zasięgnąć bezpłatnej pożyczki. Chwilówka w wysokości 1000 zł na miesiąc będzie kosztować maksymalnie 283 zł. Są jednak sposoby na obniżenie kosztów kolejnej pożyczki:

  • promocje;
  • rabaty;
  • zniżki;
  • bonusy (np. za polecenia);
  • programy lojalnościowe.

Promocje

Wiele firm pożyczkowych oferuje stałym klientom różne rabaty, promocje i zniżki. Jasne, że pożyczkobiorca nie może jednym kliknięciem stać się uczestnikiem pewnej promocji. Należy spełnić określone warunki. Więc musimy dokładnie zapoznać się z regulaminem konkursu lub rabatu i sprawdzić niezbędne wymagania. Jeśli byłeś uczciwym klientem dokonując terminowej spłaty poprzednich zobowiązań, możesz skorzystać z promocji korzystając z kolejnej pożyczki. Warto zatem zawsze spłacać zobowiązania w określonym terminie.

Polecenie znajomym

Wiele firm udostępnia rabaty za polecenia. Jeśli znajomy, któremu klient polecił firmę pożyczkową, dostanie pozytywną decyzję, pożyczkobiorca otrzyma zniżkę w wysokości od 30 do 50 zł na oprocentowanie kolejnego zobowiązania. W ten sposób można dostać niezłą zniżkę, polecając pożyczkodawcę kilku znajomym. Poszerzając koło klientów za poleceniem, pożyczkobiorca łatwo zmniejszy koszt kolejnych pożyczek.

Warunki uczestnictwa w promocjach

Każdy pożyczkobiorca musi zdawać sobie sprawę, że zaciągnięcie pożyczki wiąże ze sobą poważną odpowiedzialność. Dlatego przed zaciągnięciem chwilówki należy rzetelnie ocenić własne możliwości finansowe i zastanowić się czy będziemy w stanie spłacić dług w określonym terminie, czy stać nas na spłatę niezbędnej kwoty po zakończeniu okresu pożyczki. Zawsze pamiętaj o wydatkach niespodziewanych. Dopiero po przeanalizowaniu ewentualnych scenariuszy możemy aplikować o dodatkowe koszty. Ważnym krokiem jest wybranie rzetelnego pożyczkodawcy. Na tym etapie nie warto podejmować pospiesznych decyzji. Przed aplikowaniem o niezbędne wsparcie finansowe warto sprawdzić z kim mamy sprawę, jak wygląda współpraca oraz zapoznać się opiniami prawdziwych klientów. Należy poświęć trochę czasu na znalezienie rzetelnego pożyczkodawcy, żeby nie mieć kłopotów w przyszłości.

Program korzyści – co to jest

Program korzyści oznacza udogodnienia, z których mogą korzystać stali klienci instytucji pozabankowych. Promocyjne nie noszą charakteru obowiązującego i pełnią funkcję zachęcającą do nawiązania długotrwałych relacji. To przynosi zysk zarówno dla pożyczkobiorcy, jak i dla firmy pozabankowej. Program korzyści często przewiduje wyższą sumę pożyczki lub korzystniejsze warunki pożyczania. Wiele firm oferuje program, który składa się z kilku elementów. W razie terminowej spłaty zobowiązań klient  uzyskuje wyższy ranking, gdzie czekają na niego bardziej korzystniejsze bonusy. To może być kolejna darmowa lub zniżka za polecenia.

Podsumowując

Spora konkurencja firm pozabankowych, działających internetowo, zmusza ich do modyfikowania własnych ofert. Programy lojalnościowe oraz równe promocje przewidują atrakcyjne warunki pożyczania dla osób, które często korzystają z usług firm pożyczkowych. Dzięki temu wnioskodawca może łatwo zapoznać się z podstawami rozsądnego korzystania z pożyczonych pieniędzy oraz dowiedzieć się wszystkiego na temat mądrego zaciągania pożyczek.

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