Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/iwp-client/backup/backup.core.class.php on line 403

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/iwp-client/backup/backup.core.class.php on line 403

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/iwp-client/backup/backup.core.class.php on line 819

Deprecated: Creation of dynamic property Yoast\WP\SEO\Main::$helpers is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/lib/abstract-main.php on line 65

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/conditionals/third-party/elementor-edit-conditional.php on line 22

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/conditionals/third-party/elementor-edit-conditional.php on line 28

Deprecated: Creation of dynamic property Yoast\WP\SEO\Main::$classes is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/lib/abstract-main.php on line 65

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$page_type is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 43

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$robots is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$title is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$source is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Kredyt gotówkowy a umowa zlecenie i umowa o dzieło
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$meta_description is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$permalink is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$canonical is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$rel_prev is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$rel_next is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_locale is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_type is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_title is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_description is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_url is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$wordpress_site_name is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_site_name is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$site_name is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$company_name is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$company_logo_id is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$site_represents is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$open_graph_publisher is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_article_publisher is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_article_author is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_article_published_time is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_article_modified_time is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$open_graph_enabled is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_images is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$twitter_card is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_card is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_title is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_description is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_image is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_creator is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_site is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$estimated_reading_time_minutes is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$permalink is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$main_schema_id is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$site_url is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$canonical is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$schema_article_type is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$schema_page_type is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$title is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$id is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$main_image_id is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$main_image_url is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$has_image is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$description is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$breadcrumbs is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$site_represents_reference is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$alternate_site_name is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 186

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$schema is deprecated in /home/cluegrou/domains/pieniadzeija.pl/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Kredyt gotówkowy – czy możesz o niego się starać mając umowę zlecenie lub o dzieło?

Coraz więcej młodych ludzi zatrudnionych jest na podstawie umowy zlecenie lub umowy o dzieło. W dzisiejszym artykule dowiemy się czy osoba zatrudniona na podstawie takiej umowy pracowniczej może starać się o kredyt gotówkowy.

Umowa zlecenie

Charakterystyka

To rodzaj mumowy cywilno-prawnej, której przepisy reguluje kodeks cywilny, a nie kodeks pracy. W ramach tej umowy pracownik zobowiązany jest do wykonania określonego w umowe zlecienia lub projektu, za które otrzyma stosowne wynagrodzenie. Pracodawca może, lecz nie musi, odkładać na nas składek na ubezpieczenie zdrowotne oraz emerytalno-rentowe. Pracownik, który zatrudniony jest w opraciu o umowe zlecenie nie ma prawa do płatnego urlopu oraz zwolnienia chorobowego. Kolejnym minusem jest fakt, że praca wykonana w ramach umowy zlecenie nie liczy się do całkowitego stażu pracy. Pracodawca może również rozwiązać umowe z pracownikiem w dowolnym momencie oraz nie ma obowiązku płacenia mu nadgodzin.

Umowa zlecenie a kredyt gotówkowy

W tym podpunkcie przechodzimy do najważniejszej kwestii, a mianowicie do odpowiedzenia na pytanie –  czy można ubiegać się o kredyt gotówkowy pracując na podstawie umowy zlecenie? Odpowiedź brzmi – tak. Warunki jakie stawia bank wobec takich osób są jednak bardziej zaostrzone niż w przypadku osób, które pracują na podstawie umowy o pracę na czas nieokreślony. Jednak umowa zlecenie nie jest przeszkodą, aby dostać kredyt gotówkowy.

Aby móc starać się o kredyt należy zadbać o regularność swoich dochodów oraz o terminową spłatę poprzednich zobowiązań kredytowych. Dzięki temu bank będzie wiedział, że jesteś tak zwanym zaufanym klientem i będziesz w stanie spłacać swoje zadłużenie. Łatwiej Ci będzie otrzymać kredyt gotówkowy jeżeli korzystasz z innych produktów w danym banku, np. posiadasz konto osobiste.

Umowa o dzieło

Charakterystyka

Ten rodzaj umowy jest bardzo podobny do umowy zlecenie. Różnica jest taka, że pracodawca nie musi odprowadzać żadnych składek, dzięki czemu pracownik ma szansę na większe zarobki. Tak samo jak w przypadku umowy pracowniczej opisanej powyżej pracownikowy nie przysługuje płatny urlop oraz możliwość wzięcia zwolnienia chorobowego.

Umowa o dzieło a kredyt gotówkowy

Tak jak w przypadku umowy zlecenie jest to możliwe. Warunki wyglądają podobnie – liczy się staż pracy, regularność comiesięcznych dochodów oraz historia kredytowa.

Podsumowanie

Banki zdają sobie sprawę, że coraz większa część społeczeństwa pracuje na podstawie umowy zlecenie lub umowy o dzieło, dlatego też umożliwiają takim osobom korzystanie z produktu bankowego jakim jest kredyt gotówkowy (więcej). Najważniejszym czynnikiem jest ciągłość zatrudnienia, czyli regularność dochodów, staż pracy oraz historia kredytowa. Jeżeli w tych trzech punktach wypadamy pozytywnie to nie mamy się o co martwić i ze spokojem możemy złożyć wniosek o kredyt gotówkowy.

Dodaj komentarz

Twój adres e-mail nie zostanie opublikowany. Wymagane pola są oznaczone *