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Zdolność kredytowa - jak ją poprawić? | Pieniądze i ja
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Zdolność kredytowa – jak ją poprawić?

Był już artykuł o tym, co wpływa na zdolność kredytową. Warto więc zastanowić się nad tym, co zrobić, aby ją poprawić, jeśli jest niewystarczająca. Poprawić zdolność kredytową się da na wiele sposobów, oto kilka z nich.

Popraw historię kredytową

Banki dadzą kredyt jedynie tym osobom, które są w stanie zaufać. Dlatego niezwykle trudno jest otrzymać kredyt, posiadając negatywną lub żadną historię kredytową w Biurze Informacji Kredytowej. W jaki sposób można więc stworzyć historię kredytową?

Przede wszystkim jedną z rzeczy mających na to wpływ są abonamenty komórkowe, które regularnie opłacane, poprawiają naszą wiarygodność.

Podobnie jest ze wszelkimi produktami kredytowymi. Warto więc za to, kupować sprzęt na raty 0%, nawet jeśli nas stać na zakup gotówką. Dobrym rozwiązaniem jest również kredyt odnawialny na koncie, karta kredytowa czy niewielki kredyt gotówkowy. Wszystkie te rzeczy, regularnie spłacane, sprawiają, że nasza wiarygodność w oczach banku, jak i scoring w BIK-u rosną.

Pozbądź się zobowiązań

Zobowiązania są świetnym rozwiązaniem dla osób budujących historię kredytową. Jednak jeśli realnie staramy się o kredyt, wszelkie zobowiązania nie są mile widziane. Nawet w przypadku nie korzystania z karty kredytowej, limit, który na niej posiadamy, zostanie wzięty pod uwagę przez bank. Jeśli więc starasz się o duży kredyt, pozbądź się jak największej ilości zobowiązań kredytowych.

Rozłóż kredyt na więcej rat

Jak wiadomo rozkładanie kredytów na większą ilość rat nie jest zbyt opłacalne, im dłuższy okres kredytowania, tym więcej odsetek zapłacimy dla banku. Jeśli jednak kredytu bardzo potrzebujemy, a bank nie chce przyznać go na zasadach, których byśmy oczekiwali, to warto kredyt rozłożyć na większą ilość rat. W ten sposób miesięczna rata kredytu będzie niższa, przez co istnieje możliwość, że bank ów kredyt Ci przyzna.

Znajdź dodatkowego kredytobiorcę lub poręczyciela

Otóż nasza zdolność kredytowa w pojedynkę może nie wystarczać. Nic jednak nie stoi na przeszkodzie temu, abyś znalazł sobie dodatkowego kredytobiorcę (nie musi to być małżonek) lub żyranda, który poręczy Twój kredyt, a dzięki czemu bank będzie miał zabezpieczenie, że kredyt zostanie spłacony.

Otóż czasami jest tak, że nasze wydatki stałe, wcale nie mają pokrycia w dokumentach.  Takich wydatków nie musisz doliczać do swoich stałych kosztów. 

 

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