The Annual Effective Annual Rate (APR) is the interest rate that directly influences the total cost of credit. A percentage rigorously framed by the law which owes its qualifier of “total” to the fact of covering at the same time the basic interest rate, the operating costs of the bank and the insurance premiums associated […]

When making a decision to grant a bank, banks pay more than just the amount and regularity of a client’s earnings. The second very important parameter is the so-called credit history. It consists of data from the BIK and KRD databases, which the bank thoroughly analyzes before issuing a loan decision. What impact do we […]

If the spouses took the loan together, they still have to pay it back even after the divorce. A loan is a joint and several liability.   Credit loan or loan for two? If we decide to take a mortgage together with a spouse, we are obliged to pay it back, regardless of the property […]