Car Loan and Previous Debt

 

 

Car loan and previous debt

We never know when we will have to part with material things. Now, electronic equipment is spoiling faster than it used to be, household appliances do not work as well as devices in the times of the PRL. The same situation applies to cars , which, unfortunately, like to break, are subject to breakage, or accidents, which makes them unsuitable for further driving.

Therefore, if we have some debt , and yet we need a new loan to buy a newer car, we can actually find ourselves in a rather unpredictable situation.

 

Car loans without BIK

Car loans without BIK

Perhaps we will be tempted with such offers, but unfortunately to our surprise, following them, we are not going to the bank, but to the non-bank institution . And that’s not what we want.

For some time now, banks have been obliged to control their clients even more . Previously, in fact, there were no major problems with obtaining a loan , even with unpaid installments for the previous financial product. Now, not only our creditworthiness is scanned from every angle, but also we have to show a good credit history. And in the case of this last factor, we are checked in the Credit Information Bureau.

Therefore, we have a poor chance of getting a car loan , with some liabilities. Unless we have really high salaries, we will be able to pay two installments during the monthly payment.

 

Another way

Another way

However, if we can not afford more indebtedness, then we can use the car loan in a different way . Probably many people will wonder how it is possible, if you usually have to settle accounts with the bank.

In financial comparison sites, we will find car loan proposals that will allow us to use part of the capital for any purpose. Are we already beginning to understand what we want to do with this part of the loan? If our calculations tell us that the sum of the amount intended for any consumption purpose will allow us to pay off the earlier debt, we get rid of the old loan . You can find a way for everything, but you just have to figure it out well and look at banking products from a broader perspective .