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Banki stosują przeróżne modele do wyliczenia umiejętności finansowej kredytobiorcy. Może pokazać się, że w samej instytucji finansowej odmówią nam pożyczki, zaś w obcej zyskamy ją wolny żadnego problemu. Wszystko chce z sposobu analizy niebezpieczeństwa. Zdolności kredytowa wyliczana istnieje na platformie określonych parametrów, jej rezultat pokaże nam doradca kredytowy.

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