Whether for a new home, for the purchase of a new computer or to finance a trip around the world, there are many reasons for a loan. He quickly provides for wish fulfillment when equity is missing. Today it is easy to get a loan. The Internet has opened the market and who wants to apply for a loan, uses for the online offers.
Who can apply for a loan?
Anyone with a regular income can apply for a loan. The monthly entries should be made from a dependent job. Freelancers and the self-employed have different lending policies. Not every bank is ready for a loan for this professional group.
The income also plays a role. The minimum income should be around 1,100 euros net. If the applicant does not earn so much, a spouse with a regular income can also be included in the loan agreement. In addition, every bank checks whether there is enough money left to live if all costs have been deducted from income in the months. This also applies to the monthly installment payment to the bank.
However, the best income does not benefit if the credit rating is insufficient. Bad badges make it hard to apply for a loan. Then only a loan from abroad can help.
Where can I apply for a loan?
For many consumers, the house bank is the first port of call. In addition, there are other branch banks to which the interested parties can turn. Particularly attractive are the offers of online banks. But because there are a lot of them on the internet, a loan calculator should be consulted. This is free of costs and provides independent results.
Particularly with the on-line financial institutes there is a large saving potential, because they offer better conditions, than the branch banks. Especially with the interest rates there are serious differences to the branch banks. In addition to lower interest rates, online banks also offer far better conditions. Free special repayments are possible with most online banks as well as installment breaks.
Most retail banks want to see a loan secured. For this purpose, they wish the customer to take out a residual debt insurance. This is not always useful, especially if the loan amount is low. There are plenty of banks on the Internet that do without this practice.
Loans from private
Private loans are becoming increasingly popular. Not the banks are in the background here, but private people offer loans. Interesting are these portals for self-employed and freelancers, who are not welcome at the banks. This professional group has a real chance of a loan commitment here.
But even the average consumer can try his luck here. In the past, many loans have already been pledged in this way. Even with a negative Schufa there is hope for a loan, if the entry is not serious. However, this increases the interest rates, because on these portals they are calculated by credit rating.
Everyone has the chance of a loan. Only through a direct comparison does the user find the right bank with the best conditions. The Internet is clearly ahead of the game. The house bank is therefore no longer the first choice.