Each loan is associated with additional costs that we will have to pay back with it. No bank will give us a loan without interest or commission that is a real income for it. However, you can search for and find a loan that will involve the lowest possible costs.
There are really many offers and we have a lot to choose from. The credit decision should not be taken lightly and we should think carefully about it to take a loan that will be easy to repay and will not be the proverbial bullet for us, it will definitely be easier for you on the portal loans-portal.portalbankowy.info.
Standard loan at Loan and Credit
Loan and Credit offers a very interesting standard loan with a nominal interest rate of 7.99% per annum. The bank will charge you a 9.9% commission for granting the loan. This is a fairly high commission and it will give us quite a lot of additional costs on a larger amount of credit and interest.
The range of amounts that can be borrowed under a standard loan starts from a minimum of one thousand zlotys and ends at one hundred and sixty thousand zlotys. People with higher creditworthiness can get up to PLN 1 million under this loan, spreading them into one hundred and twenty installments. The loan period for standard loan sizes starts from 1 month and ends with a maximum of months.
We do not have to set up an account
In the bank to take advantage of the offer. There is also no need to have a guarantor, nor will the bank require any consent from your spouse. To receive a loan, you need a statement of earnings. It is not possible to take advantage of so-called credit holidays.
The bank gives us the option of early repayment. We can also negotiate its interest rate if it is a really high amount. The actual Annual Interest Rate is 10.69%. This is the total cost we will incur from our loan. When deciding on a loan worth one million zlotys for one hundred and twenty installments, the bank will calculate for us each installment in the amount of PLN 13 328.10.
The total amount to be repaid is PLN 1,599,371.54. As you can see, you have to pay back 1.5 million by borrowing one million zlotys. Not everyone can afford it. The amount for an average Pole is huge and he will never earn it in his life.
Cash loan in Bank E-Money
Following the offers of the best cash loans for high amounts, you cannot fail to mention the offers that Bank E-Money has prepared for its clients. Cash loan with a nominal interest rate of 7.99% per annum enjoys a good reputation.
The bank charges a commission for granting the loan, which represents 9.99% of the loan amount granted to the borrower. The available loan amount as part of Bank E-Money’s offer starts from PLN 1,000.00 and ends at PLN 150,000. However, you can get a loan for a larger amount, even for a round million PLN.
We can pay back the money borrowed in installments
The available loan period starts from 1 month and the maximum number of installments is 120 months. No account is required at this bank to redeem the offer. Neither guarantor nor consent of the spouse is required. For this a statement of earnings is required, without which the bank will not grant us a loan.
On our basis, our creditworthiness will be calculated. It is nothing more than the ability to pay back the maximum loan amount. Credit holidays are not available, which would certainly be useful to many people. Early repayment of the loan is possible without any consequences, and the interest rate itself can be negotiated with the bank.
The annual Real Interest Rate is 10.72%. And how is the loan in the case of our million zloty? Spreading the loan over the maximum loan period of 120 installments, each of them will amount to PLN 13,339.01. The total repayment amount is PLN 1,600,681.31. The sum is really huge.