Finante-Banci
Cele mai bune solutii pentru reducerea ratei la casa
Imprumuturile pentru locuinte contractate in urma cu mai multi ani pot fi refinantate cu credite mai ieftine. Calea refinantarilor este netezita de limitarea comisionului de rambursare anticipata la 1%.
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Cea mai mica dobanda anuala efectiva (DAE) la ipotecarele in euro pentru clientii cu conturi de salariu este perceputa de RBS – 5,9%, pentru un credit de 30.000 de euro pe 30 de ani.
In același timp, cea mai mica DAE la refinantarea creditelor pentru locuinte, neconditionata de incasarea salariului intr-un cont deschis la finantator, este perceputa de OTP – 6,37% in cazul unui imprumut identic, scrie Capital.
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