Adósságátváltás
Adósságátváltás, also known as debt consolidation, is a financial strategy where an individual or a business combines multiple existing debts into a single new loan. The primary goal of debt consolidation is to simplify debt management by reducing the number of payments and potentially lowering the overall interest rate or monthly payment amount. This process can involve taking out a new, larger loan to pay off several smaller debts, such as credit card balances, personal loans, or medical bills.
Common methods of debt consolidation include personal loans, balance transfer credit cards, and home equity loans.
The benefits of adósságátváltás can include a lower monthly payment, a simplified payment schedule, and potentially