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    chwilowki bez bik

    Szybkie pieniadze i minimum formalnosci – chwilowka. Szczegolnie na przestrzeni ostatnich kilku lat tego rodzaju pozyczki krotkoterminowe znaczaco zyskaly na popularnosci. Jak grzyby po deszczu pojawiaja sie takze coraz to nowe instytucje oferujace „szybkie pozyczki” nawet osobom zadluzonym czy bezrobotnym. Czy korzystanie z mnogiej oferty chwilowek jest rozsadne? Zalety i wady chwilowek: Wzrost popularnosci pozyczek krotkoterminowych podyktowany jest z jednej strony ich szeroka dostepnoscia, a z drugiej zaostrzeniem kryteriow przy udzielaniu kredytow i pozyczek przez banki. Chwilowka udzielona zostanie wlasciwie kazdej osobie pelnoletniej, w tym osobom nieposiadajacym stalego dochodu, nierzetelnym kredytobiorcom wpisanym na liste Biura Informacji Kredytowej czy osobom wykazujacym skrajnie niski poziom wskaznika zdolnosci kredytowej. Podczas finalizowania umowy o chwilowke nikt najpewniej nie sprawdzi naszej historii kredytowej czy stanu obecnie posiadanych zobowiazan. Do jej zaciagniecia wystarczy jedynie dowod osobisty i podpis.Formalnosci zostaly wiec ograniczone do absolutnego minimum, jednak ma to rowniez swoje wady. Pierwsza z nich jest zwyczajowa koniecznosc Ubezpieczenia pozyczki, co generuje dodatkowe koszty. Ich ogolny poziom moze byc przy tym bardzo wysoki, poniewaz mimo, ze chwilowka to pozyczka o niewielkiej kwocie na niedlugi okres czasu, to trzeba za nia slono zaplacic. Do kosztow Ubezpieczenia doliczyc nalezy wartosc samego oprocentowania, ktorego wskaznik jest zazwyczaj maksymalna wartoscia oprocentowania przewidzianego polskim prawem – tj. czterokrotnoscia wysokosci stopy kredytu lombardowego Narodowego Banku Polskiego. Malo tego, w przypadku tego rodzaju krotkoterminowych pozyczek trzeba tez uregulowac caly szereg prowizji czy oplat dodatkowych, ktore nie sa wykazywane w obszarze oprocentowania. Do najpopularniejszych z nich naleza: oplata za udzielenie lub przygotowanie pozyczki oraz prowizja za obsluge zobowiazania. Nie nalezy zapominac takze o ewentualnych kosztach z tytulu opoznienia splaty calkowitej lub ratalnej pozyczki – nawet niewielkie opoznienie w uregulowaniu platnosci prowadzi, w przypadku chwilowek, do naliczenia bardzo dotkliwych kar umownych.

    chwilowki Blaszki
    Niezwykla "rozrodczosc" wsrod parabankow, specjalizujacych sie w udzielaniu pozyczek-chwilowek, nie uszla uwadze przedstawicielom polskiej nauki. W ostatnim czasie grupa naukowcow SGGW z Wydzialu Rolnictwa i Biologii ponad wszelka watpliwosc wykazala, ze parabankow-noworodkow na prozno szukac w kapuscie. Przypomnijmy, ze nieco wczesniej zespol badawczy Stacji Ornitologicznej Muzeum i Instytutu Zoologii PAN w Gdansku, pod kierunkiem prof. rehab. Jana Ptaszynki-Wroblewskiego udowodnil, ze malutkie parabanczki nie sa do Polski sprowadzane przez bociany. Skad sie zatem biora?Tak intrygujaca sprawa nie mogla pozostac niewyjasniona!Kiedy zawiodly proby rozwiazania tego problemu przez zakrojone na szeroka skale wspolne dzialania operacyjne CBs i ABW, sledztwo w tej sprawie zostalo przekazane w najlepsze rece - do prac nad rozwiazaniem tej zagadki usiedli wspolnie Porucznik Borewicz i Ojciec Mateusz. Na efekty pracy tak silnego teamu nie trzeba bylo dlugo czekac. Ponizej przekazuje oficjalny komunikat w tej sprawie, ktory zostal opracowany (ale jeszcze nie opublikowany). Oddajmy glos Porucznikowi Borewiczowi

    chwilowki Zwierzyniec

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