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> returnare plata asigurare viata

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aqua
post 19 Oct 2010, 21:21
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avand un imprumut de nevoi personale, banca a facut si o asigurare de viata pentru mine care sa o asigure ca nu iese in pierdere ..
dupa ce termin de returnat creditul pot solicita sa mi se returneze contravaloarea asigurarii de viata? adica ma gandesc ca banca si-a luat masuri de siguranta, dar daca nu a fost cazul sa apeleze la asigurare eu pot primi ceva inapoi?


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gotty
post 19 Oct 2010, 21:45
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From: oriunde vreti voi....
pe rationamentul tau,eu pot sa cer returnarea contravalorii RCAului pe ultimul an pt.ca n am avut niciun accident....cu clienti ca tine n ar mai exista soc.de asigurari tongue.gif


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aurelyan
post 19 Oct 2010, 21:50
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corect, deci NU.


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aqua
post 19 Oct 2010, 22:06
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tongue.gif bine nu toata contravaloarea... dar macar acolo ceva ...


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ady77
post 19 Oct 2010, 22:30
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Daca mori, iesi in castig icon_mrgreen.gif


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Maskatu
post 20 Oct 2010, 13:46
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Nu, nu se pot returna banii, nici macar "o parte".


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tiberiu27
post 20 Oct 2010, 16:21
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QUOTE(ady77 @ 19 Oct 2010, 23:30)
Daca mori, iesi in castig  icon_mrgreen.gif
*


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J o h n n y
post 12 Jan 2011, 17:23
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QUOTE(aqua @ 19 Oct 2010, 21:21)
avand un imprumut de nevoi personale, banca a facut si o asigurare de viata pentru mine care sa o asigure ca nu iese in pierdere ..
dupa ce termin de returnat creditul pot solicita sa mi se returneze contravaloarea asigurarii de viata? adica ma gandesc ca banca si-a luat masuri de siguranta, dar daca nu a fost cazul sa apeleze la asigurare eu pot primi ceva inapoi?
*




E pertinenta intrebara ta si iti pot da eu un raspuns, daca te mai interseaza.

Asigurarile facute de banci la credite sunt de mai multe feluri:
-asigurari "gratuite" adica nu trebuie sa platesti nimic in plus fata de rata de plata lunare; am pus ghilimele pentru ca in fapt costul asigurarii se plateste pana la urma, fiind inclus in totalul de plata lunar sub o forma sau alta; in general aceste asigurari sunt simple si acopera doar riscul de neplata pentru banca;
-asigurari mai complexe, contra cost, care acopera pe langa riscul de neplata si riscuri aditionale - pierderea involunrara a locului de munca, accidente de munca si pierderea incapacitatii de munca, etc.

Daca tu ai cea de-a doua asigurare atunci esti indreptatit sa primesti banii inapoi pentru perioada ramasa in credit in cazul unei rambursati anticipate totale.

N-ai mentionat daca creditul e garantat sau negarantat.

This post has been edited by J o h n n y: 12 Jan 2011, 17:24


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tatabobu
post 12 Jan 2011, 17:26
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Johnny, ia la puricat din nou textul lui Aqua. Nu zice nimic de rambursare anticipata.


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J o h n n y
post 12 Jan 2011, 17:37
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Corect, am presupus eu gresit..... blink.gif
Sorry, my bad unsure.gif

Insa ce am scris ramane valabil la plata anticipata.


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