Karencja w spłacie kredytu polega na odroczeniu spłaty części kapitałowej, a czasowej spłacie jedynie odsetek od zaciągniętego kredytu. Rozwiązanie to często wiąże się z wydłużeniem czasu spłaty zadłużenia oraz czasowym lub trwałym zwiększeniem wysokości rat. Dlatego należy podchodzić do niego z rozwagą.
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