Faci un credit? La ce să ai grijă (bine de știut)

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Dezaburit
Published at : 06 Dec 2020
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În acest videoclip vorbim despre trei noțiuni extrem de utile în lumea în care trăim: credit, dobânda și cum iei un împrumut în mod înțelept.
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Formula de calcul a ratei la dobândă:

d = S x r x (p / P)

d = valoarea dobânzii (pentru o rată, nu dobânda totală)
S = sold (datoria rămasă)
r = dobânda, sub formă de procent (ex: pentru dobândă 10%, r = 10/100)
p = perioada, exprimată în zile, a ratei (ex: pentru rate lunare p = 30 zile)
P = perioada, exprimată în zile, pe care se aplică procentul dobânzii (ex: pentru dobânda anuală, P = 360 zile, unii folosesc 365 sau 366)

Nu trebuie să îți bați capul cu formula. În general, băncile și IFN-urile au simulatoare de credit care îți arată exact ce rate ai avea de plătit, ce dobândă, etc.

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Legislație europeană:

Credite de consum: https://ec.europa.eu/info/business-economy-euro/banking-and-finance/consumer-finance-and-payments/retail-financial-services/credit/consumer-credit_en

Credite ipotecare(ex: pentru casă): https://ec.europa.eu/info/business-economy-euro/banking-and-finance/consumer-finance-and-payments/retail-financial-services/credit/mortgage-credit_en

In cazul creditelor ipotecare, nu este valabil termenul de retragere de 14 zile.
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*Acest videoclip a fost gândit în întregime de echipa Dezaburit și nu reflectă sub nicio formă părerile Provident Financial Romania.
creditdobandautil

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