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Marcin Iwuć on Economy — predictions scored

2 tracked claims · Accuracy: —

Marcin Iwuć Marcin Iwuć 24.06.2026
◔ Pending

Cash loan vs. deferred payments

"If we're talking about standard cash loans, we'll be looking at rates between 10-15% per annum. However, that's not the worst option. The worst option is when we use deferred payment, the 'lure' period ends, and then penalties start for falling behind. And even the operators of these loans quote amounts that make your hair stand on end. 90%, for example. "

Marcin Iwuć warns that while cash loans have interest rates of 10-15%, penalties for delayed deferred payments can reach up to 90%.

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Warning Economy 31.12.2027
Marcin Iwuć Marcin Iwuć 23.06.2026
◔ Pending

Fixed Installment Strategy Savings

"If you consistently proceed this way, you will arrive at exactly the same results as with an overpayment that shortens the loan term, which is the one that generates the most savings on the loan. You will also repay the loan after 15 years instead of 25, and you will also reduce interest to 253,000. "

Consistently paying a fixed, higher amount while formally lowering the loan installment will yield the same savings as shortening the loan term.

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Scenario Economy
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