Finante-Banci
Ce sanse ai sa scapi dupa ce ai „tepuit” o banca?
Cateva
sute de mii de romani sunt in situatia de a nu mai putea plati ratele la
credite de consum. Capital va arata ce pot pierde, la ce trebuie sa fie atenti,
dar si cum ar putea scapa de o parte din datorie in conditii optime.
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La
sfarsitul anului 2007, in plin boom economic, Mihai si-a luat un credit de
nevoi personale de 10.000 de euro sau aproximativ 36.000 de lei la cursul de
atunci. Banca, una foarte mare, i-a acordat creditul desi valoarea ratei lunare
avea sa depaseasca, dupa terminarea perioadei cu dobanda promotionala, jumatate
din salariul imprumutatului, adica 2.000 de lei. Mihai a folosit banii pentru a-i investi la
Bursa si, pentru ca primele sase luni a beneficiat de o dobanda promotionala a
platit fara probleme ratele (600 de lei pe luna), relateaza Capital.ro
Dupa exact 100 de zile de la
prima intarziere de plata, Mihai a aflat ca nu mai este dator la banca, ci la o
companie specializata in recuperarea creditelor restante. Cazuri similare sau macar
asemanatoare cu cel al lui Mihai sunt cu sutele de mii in Romania.
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