Saldo kredytu to pojęcia ma zastosowanie w każdym rodzaju kredytu, dotyczy zarówno kredytów hipotecznych, jak i gotówkowych czy konsolidacyjnych, a także pożyczek obrotowych i innych produktów. Oznacza kwotę zaciągniętego kredytu netto – nie zawiera odsetek, opłat operacyjnych, ubezpieczeń około kredytowych czy prowizji.
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