We are not interested in any loans, especially in car loans. However, there may come a moment in our lives when we really want to buy a slightly more expensive car, but we will not be able to afford to buy in cash.
Car loan , is it expensive?
Above all, we should carefully consider whether a car loan is a very expensive expense that only affluent people can afford. Of course, you have to take some priorities here. If we have a permanent job, we have where to live, why not let ourselves buy a new car . The more so because we are not worried about any installments for the housing we arrange.
Of course, the proposals of banks differ. Although real interest rates are given in each commercial offer, it is not so easy to calculate real costs in your personal case. It may therefore come to light that some banks in the first place offer relatively high loan costs . But if the customer meets certain conditions, then he can count on big discounts .
Most often, this is definitely the purchase of motor insurance , creating an account or deposit . For us, fulfilling such a condition will not be a problem. But banks are also trying to gain new customers in this way. Therefore, these types of activities are not completely pointless.
Financial comparison sites are really a salutary tool. Thanks to them, we can come across the trail of favorable car loan offers. Because you really have to be very patient and persistent in order to compare all the offers with each other, going to the website of each bank separately. However, such activities may eventually pay off. If someone does not like to throw money away, he can save from a few hundred zlotys to even several thousand zlotys. Everything will depend on our creditworthiness , the car we want to buy , the value of the loan, as well as what fees the specific bank branch wishes .