Zawieranie umowy kredytowej online

Zawieranie umowy kredytowej online

W czasach teraźniejszych przyzwyczajamy się do wnioskowania o pożyczkę i uzyskania środków przez Internet. Więc umowa kredytowa zawierana jest również online. Jak to się odbywa? Czy umowa zawarta przez Internet jest ważna?

Zawarcie umowy pożyczki online jest bezpiecznym procesem i pozwala zaoszczędzić dużo czasu. Skutki prawne są takie same jak przy zawarciu umowy w oddziale banku i podpisaniu dokumentu własnoręcznym podpisem.

Etapy zawarcia umowy pożyczki online

Proces otrzymania pożyczki online zaczyna się od wypełnienia wniosku na stronie pożyczkodawcy. Dalej należy wysłać ten wniosek oraz dokumenty, potwierdzające tożsamość pożyczkobiorcy. Niektóre firmy wymagają również przesłania zaświadczenia o dochodach. Ważną rolę odgrywa analiza zdolności kredytowej klienta. Często wnioskodawca poddaje się sprawdzeniu informacji w bazach i rejestrach dłużników.  Wymagane dokumenty dostarczane są do pożyczkodawcy drogą elektroniczną w pliku PDF. Nie musimy iść na pocztę i wysyłać dokumentów drogą listowną. W przypadku uzyskania pozytywnej decyzji instytucja finansowa wysyła umowę pożyczki oraz inne dokumenty na adres mailowy klienta. Przed podpisaniem umowy należy dokładnie zapoznać się z treścią, a następnie odesłać dokument jako odpowiedź zwrotną. Jeśli klient dysponuje podpisem elektronicznym, może on umieścić go na dokumentach i odesłać do odpowiedniej instytucji finansowej. Niektóre firmy nie wymagają własnoręcznego podpisu, skanowania i odesłania umowy. Wystarczy zaznaczyć odpowiedni czek-boks podczas składania wniosku o kredyt na stronie pożyczkodawcy, akceptując umowy pożyczki. Czasami umowa pożyczki dostarczana jest przez kuriera i podpisywana jest w jego obecności.

Zalety zawarcia umowy kredytowej przez Internet

Dzisiaj udzielenie kredytu online jest standardem. Jednak opcję uzyskanie pożyczki za pośrednictwem Internetu udostępnia bardzo mało banków. Wszystko odbywa się bez zbędnych formalności. W niektórych bankach złożenie wniosku o pożyczkę odbywa się online, a dalsze załatwienia formalności wymaga wizyty w oddziale banku. Firmy chwilówkowe proponują dobre warunki otrzymania gotówki przez Internet. Jest to dobra opcja, kiedy nagłe zaskoczyły nas problemy finansowe. Oprócz tego lojalnym klientom oferowanie są lepsze warunki oraz możliwość zawarcia umowy za pomocą SMS lub przez telefon. Pożyczkobiorca może w dowolnym momencie odstąpić od umowy pożyczki, nie podając przyczyn. Zawarcie umowy pożyczki przez Internet nie wymaga wyjścia z domu. Jest to bezpieczny sposób uzyskania niezbędnej gotówki.

Ważność umowy pożyczki zawartej online

Z przepisów prawa obowiązującego  wynika, że oświadczenie woli może przyjmować dowolną formę. Więc zawarcie umowy drogą elektroniczną nie budzi żadnej wątpliwości i jest traktowane w sposób dorozumiany. Należy jednak uwzględniać podstawowe warunki umowy. Musi ona zawierać datę i miejsce zawarcia, szczegóły spłaty zobowiązania i oprocentowania. Nieobecność ważnego warunki może powodować uznania pożyczki za nieważną. Więc przez podpisaniem umowy należy dokładnie zapoznać się z dokumentem lub skorzystać z usług prawnika, który potwierdzi bezpieczność zobowiązania. Musimy również zwracać uwagę na informację o ubezpieczeniu. Nie jest to zasada obowiązkowa, jednak należy dowiedzieć się o wysokości składki, którą będziemy musieli spłacać w przypadku niewypłacalności lub śmierci pożyczkobiorcy.

 

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