Author: admin

A loan can be taken out in a variety of ways these days. In the past, you always went to the house bank to audition for a loan. Can this be taken up at any independent bank today? No matter whether you are already a customer there or not.

Sometimes it happens that a loan is taken out through an intermediary. Even if this path always seems a bit dubious and has a slight aftertaste, there are still many consumers who get involved. Mostly when you have problems with the credit rating and therefore see no chance of a normal loan.

It is also possible to use classic credit models with an unfavorable credit rating. You only have to call in a second borrower to be able to draw a strong trowel from the large pool of loans. However, if you do not do this and therefore entrust yourself to a credit intermediary, you can have both good and negative experiences.

At this point we would like to show how a loan can be taken out without a home visit. Why a home visit is not a sign of special commitment, but mostly a sign of rip-off, and how a fair and above all solid credit can be taken out without a home visit, even in difficult situations.

Why home visit?

If a so-called financial expert or credit broker suggests that the framework conditions for a loan be discussed within a home visit, the alarm bells should ring for everyone interested in credit. Because a home visit can only mean two things. On the one hand, that the intermediary has no proper office and therefore no branch where he can be visited and, on the other hand, that he has something to hide. After all, the bank employee does not come to the house when you want to open an account or apply for a credit card, but always invites you to the bank for a conversation.

Dubious credit brokers usually hope for quick money from a home visit. Many credit decisions are easier to make from your home sofa than when you have to go to a bank or a placement office. Therefore, the brokers in the living room try not only to bring a loan with horrendous interest claims and little security to the man or woman.

In this context, unnecessary insurance, dubious financial investments or contracts for asset-based benefits are also offered. All things that have nothing to do with the actual loan and that do not have a positive effect on its approval. Only the mediator earns something from these things – and that quite well.

Therefore, everyone who is offered a home-visit loan should listen closely. This can actually not bring good things with it and usually only causes a lot of costs. And that shouldn’t and shouldn’t be.

How does a loan work without a home visit?

In principle, any serious loan offer can be availed without a home visit. A credit without a home visit is therefore not an exception, but the normality and should therefore not be questioned.

In the best case, you always inquire yourself about a wide variety of loan offers online. Nowadays there are so many different loan options that even the most unusual requests can be put into practice with the help of a loan without a home visit.

If no specific goal is pursued with borrowing, a classic installment loan can be the right choice. It is not tied to a specific purpose and can be used to buy birthday presents as well as to pay for your next vacation or to balance your checking account.

However, if a specific goal is linked to borrowing, such as the purchase of a vehicle or the renovation of a property, then a dedicated loan should be used. It brings various advantages with it, which are particularly interesting when your credit rating is somewhat weakened.

Once the right loan model has been found, the search for loan offers can begin. The cheapest offers from all German banks and savings banks are determined using a comparison calculator. On top of that, the loan can also be ordered via the Internet. With no credit intermediaries and no hidden costs. It is therefore not absolutely possible to personally go to a bank for a loan.

What are the requirements for a loan without a home visit?

In order not to be dependent on dubious credit intermediaries, every borrower should make sure that he has a good credit rating. This includes a fixed income, a positive Credit Bureau and a permanent residence in Germany. If there are problems with the Credit Bureau, a foreign loan can help. Otherwise, we recommend always using a guarantor or a second applicant to borrow in order to optimally compensate for a poor credit rating.

If it is up to our health insurance companies, then at best they only want to provide basic care for their insured. All further treatments, which may be important but not necessary, must be paid for by the patient. We notice this particularly clearly when we have to visit the dentist again. The checkout will take over the regular inspection and repair of holes. However, if it is a special filling, professional tooth cleaning or even dentures, the health insurance companies turn away and leave the field to the patient. They sometimes have to dig deep into their own pockets in order not only to be able to bite boldly, but also to have aesthetically beautiful and well-groomed teeth. Because healthy and beautifully looking teeth last longer and are more reluctant to purchase expensive dentures.

Out of necessity

Of course, many patients want their teeth to look particularly beautiful. You probably won’t be any different. However, since the cost of extensive dental treatment is very high, a loan for dental treatment is increasingly being used. This should not only promptly provide the money needed for the treatment. It is also intended to ensure that the burden of the dental treatment loan is distributed as evenly as possible. Therefore, many patients opt for an installment loan that can be customized.

Where can I get the credit for good dental treatment?

If the dentist does not provide a financing offer himself, the credit for dental treatment can be taken out at any bank. Since it is an installment loan, the bank does not even have to be told what the money is needed for. Based on the healing and cost plan that the dentist has to draw up, you can see exactly how much money has to be paid for the treatment. As a borrower, you can directly determine what money you can take out of your own funds and how much the loan amount must be.

We recommend that you take out a small loan that you can repay to the bank within 2 years if possible. The repayment is kept within a manageable range and the financial burden that you are faced with each month can also be classified as moderate.

Before you sign a loan agreement, you should compare several loan offers. Even if the interest on a small loan is not really high, with the help of a comparison one or the other USD can be saved. And you shouldn’t miss this.

By the way: Before you take out a loan for dental treatment, you should check whether you may have dental insurance. This can be taken out in addition to health insurance and assumes various costs for dental treatment or for the purchase of dentures that are not covered by the statutory health insurance. If you have such insurance, it is worthwhile to submit the dentist’s treatment and cost plan there first. With a little luck, you can transfer some of the costs to the insurance company, which will reduce your additional payment. Only then should you think about a dental treatment loan.

Benjamin Franklin said: “Nothing in this world is safe except death and taxes.”
Since death can only be influenced to a limited extent, we want to turn to taxes, which are the real horror for many consumers. If the tax office asks for the tax return, then many despair of the copy and would rather give their documents to a tax advisor than take action themselves.

Many tax advisors therefore offer their support and can make a good living from it. No wonder that this is a desirable profession for many people, but one that cannot be practiced easily. Because if you want to earn a living as a tax consultant, you have to complete an appropriate training, at the end of which is the provision of a proof of knowledge. The official examination according to the tax advice law is a basic requirement for the exercise of the profession. However, since the cost of the examination must be borne by the examinee himself, it may well be that a loan for the tax consultant examination must be taken out.

What is the cost of the exam?

In our latitudes, only those who are continuously educated are successful. The qualification as a tax consultant is one such option for further training, which opens many doors professionally. If only the pure examination fee has to be paid, then the costs amount to 200 USD. A sum for which, as a rule, no loan has to be taken out for a tax consultant examination, since everyone should have this 200 USD available. In addition, there will probably be no bank that grants such a small loan.

If, despite all of this, there are problems with the payment of the fee, the overdraft facility could be used at short notice or friends or relatives asked for the sum. It looks a little different if, in addition to the fee for the exam, the preparation for the exam also has to be paid. This is not cheap and can be up to 5,000 USD. Here, a loan for the tax consultant examination can make sense.

The path is rocky

So it is sometimes not enough to just think of the pure examination fee when considering a loan for a tax consultant exam. Because if you want to be admitted to the exam, you must have the appropriate professional qualification. In addition, professional experience must be available, which can range from 3 to 10 years, depending on the training.

If a distance learning course is chosen for the training as a tax consultant, then monthly costs are incurred. About 150 USD per month. A course of study usually takes 24 months. Within this time, costs of 3,600 USD are incurred. In addition, there are the costs for books, software and other training opportunities, as well as reference works that the examinee has to bear himself. On top of that, seminars that should definitely be attended during the training, but also incur additional costs.

All in all, the 5,000 USD that we have estimated as the total costs for the tax consultant examination are estimated positively and realistic. If you want to finance this sum with the help of a loan for tax consultant examination, you should compare some offers to find a fair loan on good terms.

The installment loan as the best solution

The easiest and fastest way to take out the installment loan. It is available from every bank and can be found very easily with the help of a comparison using a loan calculator. Good loan offers offer an effective interest rate of less than 3 percent. Even if the loan amount is 5,000 USD.

For borrowing, it must be ensured that there is a good credit rating, otherwise the effective interest rate would rise immeasurably and would make the loan more expensive unnecessarily. If a good credit rating cannot be applied on one’s own, a surety is worthwhile. This secures the loan and puts the admission on a safe footing.

The first own apartment is a particular challenge for some young people. It is important to properly equip the new acquisition with furniture. And even those who have moved out of the Hotel Mama for a long time and already live in their own apartment will have to think about buying new furniture at some point. Be it because the old furniture is no longer appealing or because the living situation has changed.

However, they all face a major problem. Furniture – especially if it should have a value and a high quality, costs a lot of money. Too much for many consumers. You must therefore either postpone the desire for a new home furnishings or use a corresponding loan for the home furnishings. The latter is very easy to implement, as there are various points of contact for the loan for the home furnishings.

The furniture store is happy to help out

The furniture store is the first point of contact. For many years, not only has it been possible to buy furniture there, but also to finance it. The furniture providers even offer corresponding financing on the Internet. A loan for home furnishings is therefore easily possible in this way.

It is important that the furniture store only has a loan offer. As a furniture buyer, you therefore have no chance of choosing the best loan from various offers. But you don’t have to go to the banks for offers and you know immediately whether a loan for the home furnishings is possible or not.

The disadvantage is that the lack of offers means that there is no choice and the loan must be used at the interest rate that the furniture store offers. Although these are usually quite good, there is certainly an even better offer at one or the other bank. In addition, the money is not freely available. The furniture must be bought where the loan for the home furnishings is offered.

What can be expected from the banks?

It looks a little different with a bank loan. Anyone who chooses a simple installment loan has a say. In terms of the amount of the loan, the term and, last but not least, the interest accruing on the loan. Because the loan can be taken out at any bank, which means that you can compare as a borrower and thus also influence the interest rate.

The money is also freely available. You are not tied to a furniture store, but can put together your own home furnishings. On top of that you can act as a cash payer at the furniture store, which in some cases can lead to a decent discount on the purchase. One or the other USD would therefore also be saved in this way.

What are the requirements?

In Germany, there is only a loan if the borrower has a good credit rating. This is achieved when there is a fixed income, a clean Credit Bureau and sufficient money that ensures the repayment of the loan. This applies to financing from the furniture store as well as the installment loan from the bank.

Taking out a loan is particularly easy for us today. In the past, you almost had to beg from the banks to get a loan, but today it is the banks that offer us their services and therefore also loans on every corner. Hardly any bank does without advertising in which it suggests to the customer how easy it is to take out a loan. And that with low interest rates and small, manageable rates.

It is no wonder that many consumers are guided by such offers and would rather take out a loan than save money to buy or fulfill a wish. Then one or two loans quickly came together, which have to be serviced at the same time.

If you have a good income, you won’t see any problems in it. But what to do if you want to take out another loan? Is it also so easy to get? Or is there something to consider with a loan despite 2 loans?

The creditworthiness decides when borrowing

As long as you have a sufficiently high credit rating, no bank will put a stone in your way when borrowing. After all, the only thing that matters is whether you can service the loans on time. And if you succeed in doing this, a loan is easily available from any bank despite two loans.

However, the bank may ask you why you are still taking out a loan. Above all, this can happen if you want a large loan amount. Then it looks a little more closely, which history the borrower has and which financial transactions accompany him every month.

In addition, the bank may recommend that you merge all loans. So you have only one creditor, can use a low interest rate on all loans and reduce the monthly charge. However, whether such a summary is possible depends on the agreements you have made with the individual donors in this regard. An early redemption should be agreed in the loan agreement so that it can be carried out without high costs.

The easiest way to get a loan here, despite 2 loans

If you decide to take out a consumer loan, you will have no problem with a positive Credit Bureau to take out a loan despite 2 loans. The dealer really only looks at your Credit Bureau when it is issued, and if there is no negative entry, the loan is awarded.

Even a small installment loan should not pose any problems when it comes to admission. However, make sure that borrowing goes smoothly. Have all the necessary documents ready and calculate the financial scope you have for another loan. Keep in mind that life can sometimes have surprises that require additional financial commitment. Another loan cannot always be taken out. So be generous when it comes to calculating the financial expenses for your lifestyle and only use the money to repay a loan, which is really at your free disposal.

A fulfilled life in which there is at least one car, a well-furnished apartment and regular vacations costs a lot of money. Sometimes these amenities are therefore not only paid for by your own savings. Especially when a larger, expensive purchase is planned, many consumers resort to a loan. For larger investments, we would be happy to provide a loan with a term of 180 months that promises small installments over a long period.

And even if the monthly interest on a loan with such a long term is higher than on a loan with a short term, these loans also offer many advantages. And these can not only be found in the low monthly load. We would like to explain to you at this point what advantages these are and where you can apply for a loan with a term of 180 months.

Not all banks offer these loans

If you start looking for a loan with a term of 180 months, you will quickly notice that it is not available everywhere. After all, it is a loan that is to be repaid over a period of 15 years. A long time when a lot can happen. Therefore, these long-term loans carry a relatively high risk of default, which many banks do not want to take. In addition, such long-term loans are always accompanied by high loan amounts, which not every bank likes to lend. At first glance, it can therefore seem a bit tedious to find a suitable loan offer. But if you look closely and compare, you will discover good offers at fair conditions.

The benefits of a 180 month loan

A loan that is repaid over 15 years has several advantages. This long term means that you have small monthly installments that should only have a limited impact on your budget. The interest is also fixed on such a loan. If you benefit from a low interest rate now, you will be able to do so throughout the term. No matter how the effective interest rate may change over time. Your credit will always remain the same.

In addition, with such long terms, you always have the option of agreeing free special payments with the bank. Once you have more money available, you can let this flow into the loan and thus ensure that it can be redeemed early. This saves a lot of money, since the interest only has to be paid as long as the loan exists. If you trigger this prematurely, there will be no more interest payments.

With such a long term, you can also agree with the lending bank that you can reschedule free of charge if the interest rate improves. In many cases, a fixed time is agreed for this. Usually after half the term. You can then independently look for a better loan offer for the outstanding loan amount. Or you can simply wait for the offer from the bank that manages the loan. You as a customer do not want to lose this and will therefore make you a good offer for debt restructuring. If you accept this offer, the loan is only changed and you do not have to change banks. If you find a better offer, take out the new loan and use the money to delete the old loan.

Where a loan with a term of 180 months can be taken out

Since not all banks offer a loan with a term of 180 months, it is worth making a comparison beforehand via the Internet. The comparison will give you all the contact points for the loan and will also show the conditions on which the loan would be made available to you. Please keep in mind that you need a very good credit rating for a loan with such a long term. Furthermore, the lending bank will require a second co-applicant or at least a guarantor to reduce the risk of default. Last but not least, you should not forget that this loan will accompany you over a long period of time. Therefore, think about a residual debt insurance or at least about a risk life insurance, in order not to leave a large mountain of debt in the worst-case scenario.

Anyone who is involved in the armed forces today has committed to being a regular soldier. Because military service, as it had to be done for many decades, no longer exists. The armed forces has become an employer that can be described as quite attractive. Because not only good opportunities for advancement are offered. Those who commit themselves for a longer period of time can learn or even study at the armed forces.

The Confederation also counts as an employer in the public service, which brings various additional advantages. Especially if you want to take out a loan for soldiers.

Civil service loan or installment loan?

In principle, there are two different loan options that can be taken up depending on the professional status and the type of loan.

On the one hand there is the classic civil servant loan, which is also available for employees in the public service. It is particularly well suited when larger loan amounts are required over a longer period of time, since this type of loan always involves paying into an insurance policy, which then replaces the loan at the end of the term. So if you finance a property or otherwise need a large installment loan, the classic civil servant loan can be exactly the right choice.

The installment loan from an independent bank can be the winner when you are looking for a small loan with a manageable term. If the bank learns that the loan is for a soldier, it will take great pains to create a loan that comes with particularly favorable terms. In addition, with the help of a credit comparison, you can probe in advance and see which bank has which offer. This has the advantage that you can have a great influence on the interest rate structure and only ask the bank for a loan, which already has good offers from the start.

The period of the commitment decides

Even if the armed forces is considered a solid employer, the loan still requires some security. As there are time contracts that the soldier can negotiate individually with the armed forces, the banks and savings banks only grant the loan to soldiers if it can be repaid within the period of the obligation. This means that loans with a long term and a large loan amount are only possible if the borrower has been with the armed forces for many years.

In addition, as with all other loans, the loan for soldiers must be secured with a good Credit Bureau. Those who have negative entries in the Credit Bureau will only get a good loan offer if they find a guarantor for the loan. This must be of high quality, otherwise no bank will engage in a loan agreement.

We also recommend that you always take out life insurance for large amounts of credit. You never know how life will develop. And especially with the armed forces, a deployment can quickly occur that does not run optimally and does not allow further deployment in the armed forces. Those who optimally secure themselves and their families in the event of an emergency need not have any doubts that the loan will become a debt trap.