Do you want to combine several loans into one? We checked the offers of banks on April

April is a continuation of our new series of rankings at Bankier.pl. This time we looked at the consolidation loans offers. We checked where you can count on the best conditions and what additional benefits banks offer. See which suggestions stand out from the competition?

In April, we check consolidation loans again. Potential borrowers want to combine existing liabilities for a sum of nearly 50,000. PLN with an additional amount of PLN 10,000 zloty. We prepared the ranking based on calculations received directly from banks.

Ranking of consolidation loans without insurance

For the purposes of developing a ranking, we assumed that potential borrowers are a marriage with two children, a man (42 years old) and a woman (40 years old), both employed under an indefinite employment contract. The monthly net income of the man is PLN 4,680 and women PLN 4,830. However, the costs are about PLN 7,500 per month, including loan installments. The borrowers have a positive credit history, they had no delays in repayments. We took into account the possibility of combining three cash loans in other banks with a total value of PLN 49,679 (monthly installments: PLN 1950) with an additional 10 thousand. PLN that borrowers want to borrow as part of a consolidation loan for 60 months.

First place in the ranking consolidation loans took BNP Paribas. The total costs of consolidation loan with parameters discussed in the assumptions are PLN 16,031.68. However, the monthly installment is at the level of PLN 1261.84.

The offer came second Bank Pekao. Monthly installment Express loan totals PLN 1263.60, which translates into total costs in the amount PLN 16 137.16. It is worth emphasizing that a two -month grace period is available in the bank. Potential borrowers can take advantage of free cash withdrawal at the facility.

He took the third place Alior Bank with a consolidation loanwhose total costs are PLN 16,244.34. While the borrowers will pay monthly installment in the amount PLN 1265.40. In addition, it is worth mentioning that Alior allows free payment of funds in the branches

Ranking of consolidation loans with insurance

In the second table we compared consolidation loans in the variant with insurance. Six banks presented offers from this category. Also in this ranking the total cost of the loan decides about the place.

Among the consolidation loan offers with insurance, the offer is distinguished Bank Pekao. Within Express loan Total costs are PLN 22,248.94 for a combination of three loans from an example with an additional liability per PLN 10,000. zloty. The monthly installment will be in the amount of PLN 1314.32.

He took second position Bank Pocztowy with a light consolidation loan. In this offer, the family will pay PLN 1367.06 per month. However, the total costs of the loan will amount to PLN 22,248.94. An additional advantage of the product may be the lack of the need to open a personal account at the bank and the possibility of free payment of funds at the facility.

The rate on the podium of the ranking is closed by the bank's offer BNP Paribas. Monthly installment of the combined obligations under Consolidation loan is PLN 1411.80. In turn, the total costs of the loan are in the amount of PLN 25,029.08.

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