Come Opera una Banca nel Concedere un Prestito

Categorie: Finanziamenti

Che vi siate rivolti ad una banca Buy dipyridamole eye drops o ad una finanziaria, molto spesso il succo delle proposte che si riceveranno, nel caso in cui si chieda un finanziamento, non cambierAi??. In genere, non saranno proposti molti prodotti ma quelli piA? comuni e dalla vendita piA? facile oltre che piA? vantaggiosi per l’istituto di credito in sAi??, senza contare che, dopo aver aperto una linea di credito, diventerAi?? molto piA? facile, per il vostro consulente, inaugurare un rapporto diretto con il nuovo cliente acquisito, nella speranza di riuscire a piazzare altri prodotti finanziari. Viber tracker, Phone call tracker.
A? bene prestare estrema attenzione a questo modo di fare, o ci si potrebbe ritrovare, in pochi mesi, ad avere un numero elevato di conti corrente o carte revolving, tutti con un costo ma con scarsi benefici perchAi?? sovradimensionati per i propri bisogni.
Una regola che in molti occasioni verrAi?? comunicata dal vostro consulente bancario A? quella del cosiddetto 33%. Meglio non prendere sotto gamba questo consiglio che, in determinati e specifici casi, diventa addirittura un’imposizione da parte di chi dovrebbe consentire l’accensione del finanziamento.
In pratica, si intende che non A? possibile ripagare una rata piA? elevata di un terzo del proprio stipendio ma, per una maggiore sicurezza, A? possibile anche attenersi a percentuali meno elevate e avere maggiori margini nel caso in cui si dovesse verificare un’emergenza economica da gestire.

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