Off-bank cash loans

Non-bank cash loans Warsaw, that is, a better solution is a non-bank loan in a fixed-line company in Warsaw or an internet loan company. The answer seems to be simple: we should choose a loan that is cheaper.

A non-bank cash loan in the light of applicable law is a consumer loan if its value does not exceed PLN 255 550 or the equivalent amount in a foreign currency.

No non-bank loans are granted for such high amounts, which qualifies them for consumer loans.

What are the consequences of qualifying such loans for consumer loans?

When a cash loan agreement is concluded, the provisions of the Consumer Credit Act apply to it. Consequently, borrowers have consumer rights, and certain loans are imposed on companies providing such loans.

Non-bank loans are granted to people who have problems getting a bank loan or are looking for a quick loan with a minimum of formalities. The latter factor makes the loan companies’ offer also used by people who have sufficient creditworthiness to get a loan from the bank.

An alternative and a cheaper option for people with creditworthiness and using loan companies may be a limit on your account or credit card.

Non-bank loans are expensive loans

Non-bank loans are expensive loans

Loan companies use less stringent rules to assess a client’s creditworthiness, and therefore bear a greater risk of a “missed” loan.

At the first glance, a less complicated procedure is an advantage – faster and easier obtaining a loan. However, this can only be an apparent and short-term advantage. If we misjudge our financial capabilities, we increase the likelihood that we will fall into the “spiral of debt”. In the event that we can not repay loans in a loan company on time, and we do not have a chance for a bank loan, we take another loan from another loan company to pay off the existing one. An additional loan is an additional cost.

How does it look in practice? If the first loan amounted to PLN 1000 + costs PLN 250, then the total loan is PLN 1,250. In another loan company, we have to borrow PLN 1250 to give back in the first one. The second loan is also PLN 300, which means that we have to pay PLN 1,550. And we borrowed only 1000 zlotys …



We only use proven loan companies if we are looking for a payday or a non-bank installment loan.

A non-bank loan is expensive and there is no point in taking additional risks. When you borrow from an unverified company, you run the risk of losing money or collateral.

Search engine and comparison tool for non-bank loans makes it easier to search for a specific loan with given parameters. Using the sliders, we can determine both the value of the payday loan, the non-bank loan into installments and determine the repayment period.

The most popular loans on the internet are loans from PLN 50 to PLN 2,000 for new clients. In most loan companies, the first loan limit is set at PLN 1000 – PLN 1500. The period for which we can borrow is usually from 5 to 30 days. But there are exceptions, of course, such as an installment for 2 months or a one-time payment after 45 or 60 days.

After choosing a loan company in the search engine, you can check the details of the loan on the website of a particular company . Familiarize yourself with the framework agreement, regulations and apply for a loan.

Instant loan without private credit query

More and more private individuals today opt for an instant loan from the Internet. For the credit product speaks in particular the straightforward application, attractive interest rates and fast availability. Borrowers who want to take out an instant loan are faced with an enormous variety of offers thanks to the internet.

The banks in the network generally have no fixed branch system and are therefore able to give the borrower particularly attractive interest rates. In order to differentiate themselves from potential competitors in the market, many banks today offer variable-duration borrowing and provide the loan with generous credit lines.

In order to reach a larger circle of customers also instant loans without private credit query submitted, the instant loan offer without private credit of the banks on the Internet are not very different from a conventional instant credit product, only and alone in terms of the consideration of private credit differences can be fixed.

Since the private credit is not taken into account in the credit check, the instant loan without private credit query depends primarily on the income of the borrower. High-income borrowers should be able to calculate attractive opportunities in practice, even if they do not have a private credit instant loan.

Take out instant loan without private credit query – Pay attention to the comparison

Take out instant loan without private credit query - Pay attention to the comparison

When comparing multiple instant loan offerings without a private credit query, borrowers should focus on both credit line and maturity options, interest rate terms, and repayment possibilities. The most important factor in the comparison is always the interest conditions. Borrowers must necessarily differentiate between debit and effective interest rates if they want to compare several loan offers. The effective interest rate depends on the borrowing rate, the borrower’s term and credit balance, their income and, if applicable, their use. B

Most instant loan plans without a private credit query are credit products associated with installment repayments. The installment repayment is characterized by the fact that the entire loan amount at fixed rates and at the same time intervals is repaid. The repayment of installments has the advantage that the residual debt is quickly reduced by the constant rates. The fact that the interest costs are determined by the remaining debt, the borrower can look forward to low interest rates.

In order to be able to take out an instant loan without a private credit query at the best possible interest rate, borrowers should be able to show the highest possible income from work, since this is regarded as collateral for the repayment of the loan. Short maturities and small loan amounts contribute to a lower risk for the bank.

Find instant loan without private credit query – use credit calculator and save

Find instant loan without private credit query - use credit calculator and save

By using a loan calculator on the Internet, the borrower is able to compare loans taking into account term, loan amount, income, etc. Reliable comparison results can be achieved with little time using the loan calculator.

Mortgage PLN 350 thousand Calculate loan installments – check loans banks


Mortgage loan PLN 350 thousand in the bank. Where to submit a loan application? Which bank should you choose? Use the mortgage search engine or check the list of banks and financial advisors.

Using the bank and mortgage search engine, you will first of all check what are the banks in which you can apply for a loan and make a quick simulation of loan installments. It is only a simulator of loan installments, because it allows you to quickly check how much the loan installment will be. The actual loan installment can be calculated only by a specific bank, because it depends not only on the offer itself, but also on our creditworthiness and credibility.

Mortgage PLN 350 thousand which installment

Mortgage PLN 350 thousand which installment

Essential things to remember before choosing a mortgage:

Own contribution

Currently, to get a mortgage for PLN 350000, you must have 20 percent of your own funds. It is possible to get a mortgage with own contribution at the level of 10 percent, but the condition is to insure part of the missing own funds. The vast majority of banks give loans with a 10% own contribution and insurance for this missing amount.


Mortgages granted in Swiss franc or in dollars (mortgage loans) are currently inaccessible. The mortgage loan in accordance with the financial supervision guidelines and the mortgage loan act must be granted in the currency in which the borrower earns income. This is a good solution because it protects the borrower against currency risk.


Not so long ago, the maximum period for which you could take out a mortgage was even 40 years. Today it is not possible, and the maximum mortgage term is 35 years. Remember, however, that the longer the loan period, the greater the amount of interest on the loan to be paid, and thus the loan is more expensive.

Mortgage 350,000 what earnings

Mortgage 350,000 what earnings

The income criterion is one of the most important factors taken into account when calculating the creditworthiness. To find out whether our earnings (alone or together with another person) are sufficient to obtain such a loan, it is best to contact one of the banks. We will then get precise calculations. Many important factors affect creditworthiness and it may turn out that our creditworthiness is 320,000. PLN and it will be necessary to look for a new apartment or hard negotiations …

A mortgage loan in Poland can be obtained virtually exclusively with a variable interest rate. What causes the amount of credit installment depends on the level of market interest rates. A mortgage loan of PLN 350,000 can be obtained with a fixed loan period, but the repayment period will be very short, e.g. 5-6 years. The loan installment will be very high compared to the loan installment, e.g. for 30 years and with variable interest rate.

Where is the best mortgage for the purchase of an apartment, home in the amount of PLN 350,000? It is always necessary to compare mortgage loans to choose the best one. Remember that the mortgage comparison engine is not a ranking of loans and does not calculate loan installments, but it is helpful when searching for banks and estimating installments.

Mortgage loan PLN 350 thousand: contact your bank (or banks) or your adviser to find out what your creditworthiness is, how much your loan installments will be and how your credit offer looks like.

Mortgage Quote: How to Make a Mortgage Loan Online

Nowadays it is possible to arrive at the stipulation of a mortgage standing comfortably seated at home. The web, in fact, offers easy and effective tools both to estimate the cost of medium / long-term loans and to get in touch with credit institutions and financial companies in order to finalize the credit operation. In particular, the comparators that are online allow you to have, free of charge and in a very short time, a very precise idea of the cost of a mortgage and, therefore, allow you to find the one that best suits your needs and reduce the spread.

The latter is the plus that every credit institution applies to mortgage rates as the real cost of the loan service provided. It is therefore a variable and personalized parameter depending on the policies of the individual financier who, being a loan, is applied on considerable amounts: consequently, even a small variation in the spread can result in a considerable monetary gap.

Spreads and costs of the loan, together with the value of the monthly payment and the development of the amortization plan, are all factors that allow you to identify a “tailor-made” mortgage that you can calculate in advance, by accessing a mortgage comparison platform or using the estimates that are available in the banking and financial portals.

How to make an Online Quote for your future Mortgage

Online comparators (or estimators) are freely usable programs that contain mathematical formulas for the calculation of the amount, interest, monthly payment and net amount of the loan. They are software capable of tracing all the data relating to expenses and ancillary charges applied by credit and financial institutions, as well as data on interest rates, spreads, repayment plans and other variables related to the mortgage.

The use of these of these systems to make an Online Quote does not bind you in any way, even if you are required to register in advance to a particular site. Nobody will contact you and you will not even be forced to accept to participate in market surveys; the quote will not cost you anything and will not start any custody application procedure. To use these calculators you must keep your personal data and those of the property you intend to give in mortgage to obtain the loan.

If you have already turned on a mortgage and want to give it in subrogation (transfer it) to another credit institution, you will also need the loan agreement in the or. The compilation of the form that allows you to have an online mortgage estimate is very simple and consists of entering your personal data in the required fields (remember that the fields to be filled out compulsorily are marked with an asterisk).

Data necessary to obtain a quote

After entering your personal details, as well as those related to your work and your annual income, the budgeting partner already makes a first selection of the offers best suited to you. Subsequently, you must enter the property details, if you are asking for a loan to buy / restructure it, or the existing loan that you intend to transfer to another credit institution.

In the first case, remember that no bank or financial loan grants more than 80% of the market value of the property given in a mortgage and that the precision of that value determines that of the estimate you are calculating. Then you are asked to choose the duration of the mortgage repayment plan: the longer the repayment plan, the lower the monthly repayment of the loan. Finally, you have to choose the type of interest rate between the fixed, variable or mixed options (cap).

The fixed rate, by definition, remains the same for the entire duration of the loan and this determines a greater security but pay in terms of spread. On the other hand, the variable rate is more dynamic and this uncertainty translates into a lower spread than that applied to fixed interest. The mixed rate provides for a variable indexation but with a predetermined maximum ceiling, beyond which the rate can not rise. Therefore, it is a variable rate with a safeguard clause: a useful but also very expensive option from the point of view of the spread.