In 2018, the debt per inhabitant of the Wrocław agglomeration amounted to 29.2 thous. Golden. As you can easily guess, mortgage loans constituted the vast majority of this value, as much as 23.2 thousand. Golden. The BIK report leaves no room for illusions, residents of Wrocław after Warsaw residents eagerly reach for loans.
Get help through payday loan debt consolidation companies
Payday loan consolidation can also be a way out of the difficult financial situation. After taking advantage of the consolidation loan, the customer gains one, often smaller installment, can receive more favorable credit terms, increases his creditworthiness and has the right to use additional cash and spend it for any purpose.
There are many consolidation loan offers on the market. One of them is the offer of the bank – Consolidation cash loan, where the APRC is 8.94% and the commission remains at 6%. Another interesting proposition is the Mini Aktra offer (Consolidation) of the Pakori Bank and the offer of the consolidation loan of the Credither.
Wroclaw, as a large city, offers its residents not only a beautiful market, picturesque bridges or a number of entertainment in the form of a zoo or the famous Wroclaw aquapark, but also a wide range of financial and business services.
In 2018, 20 different banks operated in the city, which also had a dozen or so branches. Inhabitants of large cities, despite the fact that they have access to such a large number of companies and financial institutions, are increasingly willing to use electronic banking and apply for online loans without leaving home.
Loans Wrocław – purchase of an apartment
Every now and then new housing estates with beautiful, modern apartments are created. An apartment for everyone will find the one who dreams of life in the center, and an amateur of peace and quiet, who would like to have a view of the Oder from the windows of the apartment.
Unfortunately, apartments in Wroclaw cost a lot. Per 1 m 2 of residential premises, will have to pay an average of 6 000 zł, assuming that you do not choose a trendy neighborhood, or an apartment on the top floor of an apartment building.
Wrocław housing loans
When looking for the best offer for a housing loan in Wroclaw, you should check whether the bank’s offer applies only to the secondary and primary market, or whether it does not matter.
Next, compare the interest rate, APRC and commission charged by the bank. The above parameters are influenced not only by the loan amount or repayment period, but also by our history and creditworthiness.
Mortgages Wrocław – offers
Looking for the best mortgage in Wroclaw, you can go to the nearest branch of Pakori Bank and check the offer Home loan. An attractive offer was also prepared by the Credither and the Citi Handlowy bank.
Our observations show that the offers of these three banks can boast the best APRC and one of the lower commissions.
There are also brokers in Wrocław who help future borrowers deal with all matters related to the mortgage (delivery of documents on time, assistance in choosing the best offer).
Some developers (e.g. Murapol SA) even employ special advisers who help in calculating the customer’s creditworthiness and in negotiations with banks regarding better credit terms.
Wrocław loans – a company loan in Wroclaw
It is not without reason that Wrocław is referred to as a magnet for companies. Antal’s report shows that over 22% of entrepreneurs who plan to geographically develop their company indicate Wrocław as one of the most desirable locations.
Wrocław takes the second, honorable place right after Warsaw, thanks to the fact that it has a large potential of office space, good inter-city infrastructure and high availability of future employees – there are over 30 universities in the Lower Silesian Voivodship.
Loans for Wroclaw companies
Entrepreneurs who plan to develop their business in this city have a wide range of credit offers to choose from. Virtually every bank operating in the city has an extensive catalog of revolving and investment loans, or the so-called start-up loans dedicated to newly opened companies or startups.
Medial Bank has a wide range of loans for companies, which, depending on the purpose of lending, adjusts the offer to a specific customer. You can also take advantage of the development and investment loan, loan for professionals or financing opportunities for companies. Pakori Bank grants mortgage, revolving and start-up loans to small and medium-sized enterprises from just one day of operation.
Banks such as MyBank, Jest Bank and Meteor Bank, which occupy high places in the rankings of company loans, are also very popular. In Wroclaw, you can also use the services of private companies that mediate in the process of obtaining a loan.
Wrocław loans – payday loans without BIK
Payday loans Wroclaw is an offer of parabanks addressed to people who need a quick injection of cash, but for some reason do not meet the strict conditions set by the bank.
A customer applying for this type of loan can count on a loan, which usually does not exceed several thousand zlotys and is granted for a very short period – usually 30 days.
Repayment of the loan consists in the timely, one-time return of the entire borrowed amount, otherwise very high financial penalties will be charged. Some loan companies offer free first loans.
By using this proposal, the customer pays exactly as much as he borrowed, without paying any commission. Such an offer has been prepared, for example by ByLoan, Valoan or MetLoan.
Bad credit history and credit
People who not only do not meet the bank’s conditions, but also have a large backlog of payments and have a negative credit history, can think of such a product as loans without BIK Wrocław. Loans without BIK are granted to persons who have a problem with financial liquidity at a given moment.
In such cases, the lender usually does not check the credit history in the databases of the Credit Information Bureau or the National Debt Register and makes the loan decision almost immediately.
This type of loans is burdened with very high costs – the lender must somehow protect against any problems related to delay or non-repayment.