Jak odstąpić od umowy pożyczki

Jak odstąpić od umowy pożyczki

Często się zdarza, że po zawarciu umowy pożyczki, znajdujemy atrakcyjniejszą ofertę chwilówki. Czy można zrezygnować z umowy pożyczki? Każdy pożyczkobiorca może odstąpić od chwilówki w ciągu 14 dni po zaciągnięciu zobowiązania. Jak wygląda procedura odstąpienia od umowy pożyczki?

Trafiają się sytuacji, gdy nagłe potrzebujemy wsparcia finansowego. W tym celu sięgamy po wygodne pożyczki online. Po polepszeniu sytuacji okazuję się, że w całe nie potrzebujemy dodatkowej gotówki lub na rynku pożyczkowym istnieje lepsza propozycja. Możesz w ciągu 14 dni po zawarciu umowy złożyć wniosek o odstąpienie. Jednak przed podpisaniem dokumentu sprawdź czy proponowane warunki są dla Ciebie korzystne i jak wygląda procedura aktywowania odstąpienia. Jeśli masz wątpliwości, zalecamy kontakt z konsultantem wybranej firmy.

Jak odstąpić od umowy pożyczki

Odstąpieniem to wypowiedzenie przez pożyczkobiorcę zawartej umowy o udzielenie dodatkowych kosztów. Prawo do odstąpienia od pożyczki przewiduje ustawa okresie konsumenckim. Miejsce, gdzie pożyczał pieniędzy, nie ma żadnego znaczenia. Oprócz tego klient nie musi wyjaśniać dlaczego chce odstąpić od chwilówki. Instytucja finansowa nie może prawa pytać pożyczkobiorcę, czy on  znalazł wygodniejszą propozycję, odziedziczył spadek, wygrał na loterii czy zmienił decyzję. Procedura odstąpienia uruchamia się po otrzymaniu od klienta odpowiedniego oświadczenia, które będzie podpisany własnoręcznie. W tym dokumencie należy wpisać adres i nazwę firmy pożyczkowej. Jeśli masz możliwość złóż wniosek w oddziale firmy i otrzymaj potwierdzenia złożenia takiego oświadczenia. W przypadku wysłania oświadczenia drogą pocztową zalecamy skorzystać z opcji listu poleconego. Wtedy w przypadku powstania wątpliwości związanych z datą wysłania odstąpienia, klient będzie miał potwierdzenie nadania przesyłki. Więc proces wypowiedzenia umowy składa się z kilku etapów:

  • złożenie wniosku o odstąpienie;
  • zwrot pieniędzy w określonym terminie;
  • otrzymanie potwierdzenia o zamknięcie pożyczki.

Kiedy pożyczkobiorca może odstąpić od pożyczki

Poniżej przedstawiamy najczęstsze powody do wypowiedzenia umowy:

  1. Nieprawdziwa informacja podczas zawarcia umowy
  2. przeszacowanie naszych możliwości finansowych
  3. nagły przypływ gotówki
  4. znalezienie lepszej propozycji pożyczkowej
  5. zmiana decyzji

Wiele klientów nie zna o tym prawie lub krępuje się odstąpić od umowy. Warto zaznaczyć, że lepiej będzie odstąpić od pożyczki, niż korzystać z niekorzystnej oferty.

Zwrócenia pieniędzy

Po złożeniu wniosku o odstąpienie od pożyczki klient musi zwrócić koszty, które dostał od pożyczkodawcy. Należy je zwrócić w ciągu 30 dni od złożenia wniosku. Jeśli pieniądze nie zostaną zwrócone w wymaganym terminie, wniosek o odstąpienie będzie anulowany, a pożyczkobiorca jest zmuszony do wykonania wszystkich zasad wskazanych w umowie pożyczki. Każdy dzień korzystania ze środków po wysłaniu odstąpienia od umowy wiąże ze sobą konieczność zapłacenia odpowiedniego oprocentowania. W celu sprawdzenia kwoty do zapłaty warto udać się placówki firmy pożyczkowej lub skontaktować się telefonicznie. Przy okazji klient może otrzymać potwierdzenia spłacenia pożyczki i brak jakichkolwiek zobowiązań wobec pożyczkodawcy.

Pożyczkodawca również jest zobowiązany do zwrócenia klientowi wszystkich kosztów, które ostatni poniósł w związku z udzieleniem pożyczki. Ma on na to 14 dni. Zwrotowi nie podlega:

  • opłaty związana z zabezpieczeniem;
  • opłata przygotowawcza.

Zakupy ratalne

Zakup towaru na raty z oprocentowaniem 0%  nie jest konsumenckim kredytem. Więc kupujący nie ma żadnych ustawowych praw do wypowiedzenia wspomnianej umowy. Jednak niektóre sprzedawcy przyznają kupującym to prawo. Odpowiedź na pytanie, jak wygląda wypowiedzenie umowy kupna na raty, należy szukać w zawartej umowie.

Kupujący może odstąpić od „zwykłej” umowy kupna na raty, ponieważ jest to zobowiązania, które mieści się w kategoriach konsumenckiego kredytu. Jeżeli zakupiony produkt został już zatrzymany, to klient ma obowiązek spłacić sprzedającemu za otrzymanie towaru i przekazać banku koszty za czas od momentu otrzymania towaru do dnia wypowiedzenia umowy. Zwrot produktu zależy od woli sprzedającego.

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