These lines are written for a real case of one of my friends. The purpose is to loan seekers essential information about loans and banks (credit intermediaries) to us. This report is to discourage you in any way. The ultimate goal is to help you make the information on supply, what to look for to have to accept in order not ultimately a disappointment.
The majority of our citizens know about the business philosophy of our banks to nothing.
Everyone knows in his city, the financial institution, which everyone knows, her character has a color signal.
The majority of our citizens know about the business philosophy of our banks to nothing.
Everyone knows in his city, the financial institution, which everyone knows, her character has a color signal.
Tip No. 1:
Major banks shun!
Large financial institutions not to give "vulnerable" from. Social vulnerability anyone can be temporarily, for many people simply through-stage. Stay socially weak people for years, they are not interesting for the big banks.
socially disadvantaged are only interesting for the adults when they take the monthly fee for bookings, etc., from them, because they take the money of the poor without risk, just for current fees. If a Hartz IV - get paid customer's scarce references and he moved his account, the big money without risk!
The reader expecting but please once all the fees of a calendar year that it withdraws its bank for bookings. Nobody does this. How much fees are in ten years? Therefore, readers can afford a vacation in the South Pacific.
jaaaaa It is so comfortable, the bench outside the front door!?
convenience will cost any money, everything in life has its price. Would the reader be ready, 120 € per year for starving children in Africa, or to donate to the project for children with cancer in Germany?
Tip No. 2:
In every industry there are black sheep. In the lending business to take this black sheep of the plight of the people.
For a provider with a 0900 (old: 0190) - area code, hands off it. Almost 3 € / minute cost these numbers and you are usually connected to a computer that you held out for many minutes. Result: You have no credit, but a high phone bill that can cost you money.
Tip No.3:
hands away from suppliers in advance! Judgement Practice: frivolous!
Tip No.4:
Get an offer on the Internet. The reputation of the provider, you can find on the Internet, how serious it is. This can save valuable time and money. Advantage: There is no sales calls and you can choose the convenience and peace.
Low interest rates - empty promises? Even if a bank advertises 3.5%, does not mean that; Everyone that gets this rate. Because the interest rate is reported to the personal circumstances of the applicant. Given a sozialschwächerem people with little risk of loss of income of the bank is higher, therefore also the higher interest rate.
Tip No. 5:
Always seek parallel multiple offers, because lead is not the first or second offer has to credit approval. This saves a lot of valuable time when you desperately need money.
The information in the Schufa, the concerning your financial circumstances can only banks, other lenders or they themselves get. Neither their employer nor their neighbors and their friends have not have access to (Datenschutzbestimmungen!!)
In Germany there are many smaller banks, which together with you to take care of their financial situation.
Tip # 6: Make
credit application / loan applications!
The online received complete this application carefully and honestly and return immediately with the other required documents, do not forget signature!
Tip No. 7:
loans for Hartz IV - recipients, the unemployed and disability pensioners with low incomes.
Nobody has to give something. So of course also want to credit intermediaries (banks) to keep the risk as low as possible. Therefore, it has self-employed and professionals particularly hard to get a loan because you do not have regular income.
The lenders want to keep their risk here of course low. Lending to this group are in the Usually granted only when a citizen is a fixed income or property taken "on board".
Tip No. 8:
despair at not rejecting it, because like everything else in life also leads to the goal, it is the "persistence"!
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