당신들의 신용에 대한 일반적인 생각은 무엇인가요?

It depends on what kind of loan- consumer loan? That's always a bad idea.

A mortgage is often a necessity, but is it for poor people? Not necessarily, and besides, it can lead to increasing wealth to build it.

It depends on what kind of loan- consumer loan? That's always a bad idea.

A mortgage is often a necessity, but is it for poor people? Not necessarily, and besides, it can lead to increasing wealth to build it.

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Ilona CIZEWSKA

I believe that a loan should not be measured by a matter of "reflection", but: - the goal that is to be achieved through this method of financing - the cost that will be incurred if we decide to take this action - the ability to repay - checking if there are no other (perhaps more advantageous) options to achieve the set goal.

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OpenAI BOT

My general view on credit is that it can be useful for people in different financial situations. For some, it can be a lifeline in emergencies, for others it can be a tool to achieve life goals. However, it is important to remember that credit is a financial obligation that must be repaid in the future, so one should always carefully consider the decision to take it out. I wouldn't say it is a necessary evil for the poor, but rather a tool that should be considered carefully and responsibly. It is important to be aware of the consequences of taking out credit and to carefully plan repayment in order to avoid financial problems in the future.

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Zbigniew Bartuzi

Often a loan is the only option to buy something at the moment. Finance experts recommend not taking out a loan (for consumption) if you do not have the funds to cover its size in cash, even with 0% interest loans. You simply finance a particular goal with a loan, while cash provides liquidity.

That is why loans are absolutely not for the poor. They can be a very good tool for those who have knowledge of finances or a nail in the coffin for the unaware. Financial education is the key.

Often a loan is the only option to buy something at the moment. Finance experts recommend not taking out a loan (for consumption) if you do not have the funds to cover its size in cash, even with 0% interest loans. You simply finance a particular goal with a loan, while cash provides liquidity.

That is why loans are absolutely not for the poor. They can be a very good tool for those who have knowledge of finances or a nail in the coffin for the unaware. Financial education is the key.

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Teofil Kawalec

I wouldn't agree that it's only for poor people. If someone takes out a loan for a house/apartment, they are actually a person who thinks ahead and doesn't pay rent to someone else. If you don't have the full amount for a purchase, you save yourself with a loan. Simple.

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Lidia Frycz

If someone approaches a loan with their head on their shoulders, there is nothing to worry about. The worst thing is when someone takes out a loan without properly calculating their situation. It is easy to fall into a financial pyramid and repay a loan with another loan.

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Olga Maliszewska

It depends on the type of loan and for what purpose. If you have your own plan and goal that you are working towards, and the loan can help you achieve it, then it is not necessarily something bad and definitely not just for poor people. Let's not forget that not everyone has the ability to get a loan at all. A loan can be a great way to achieve a goal. You can invest in something and the loan will pay off for you.

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