Finance — Loans
4 articlesPersonal, consolidation and revolving loans — interest rates, APR, fees and how to compare offers.
Guides in this category
APR (RRSO) — what it is and how to compare loans
What APR includes, how it is calculated and how to compare loan offers correctly.
Debt consolidation — how it works and when it pays off
Debt consolidation: when it lowers monthly payments and when it increases total cost. Checklist, examples and key risks.
Loan consolidation — when it pays off
Online and non‑bank loan consolidation: costs, risks, requirements and examples. See when it makes sense.
Loan refinancing — when it makes sense and what it costs
Loan and payday‑loan refinancing: when it helps and when it only increases cost. Comparison with consolidation and alternatives.
Related calculators
Tools to help you calculate and compare
Related accounting office specialisations
Find an accountant specialising in this area
FAQ: Loans
Answers to the most common questions on this topic
Practical explanations covering loans, leasing, taxes, ZUS contributions, interest and taxation forms for sole traders. Each guide includes step descriptions, costs and calculators.
Compare: progressive scale (12%/32%), flat tax (19%) and lump-sum. The taxation comparison calculator helps pick the most favourable option for your income and costs.
Interest on a rental mortgage can be deducted from income. For a residential purchase — no deduction applies. The guide describes the rules in detail.
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