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The most popular installment loan business
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What does a installment loan look like?
Only financial support helps here – a loan is the right choice. In many cases, a installment loan can be used, the special feature being that such a loan is repaid in equal installments on a monthly basis; the tranches do not change during the whole time. The installment credit can be claimed on different terms and with different loan amounts.
Depending on the country, the conditions vary, and direct banking institutions that surf the Internet while saving on incident fees charge particularly low interest rates. In order to pay your loan as little as possible, it is important to have the appropriate house bank. The loan comparisons help you to choose the appropriate house bank and give you a complete insight into the interest rates calculated by the individual house banks.
You can quickly select the suitable house bank from the credit comparison and submit your installment loan application there. What does an installment loan look like? The installment loan business is characterized by very specific features. It will be paid out in one amount and repaid in equal monthly installments; the latter tranche, the latter tranche, may vary in size.
The monthly installment consists of an interest and amortization portion. Installment loans are guaranteed with a term of 12 to 84 months, sometimes up to 120 months and with loan amounts of 1000 to 1000.000 EUR. The interest rate for the installment loan distinguishes between nominal and effective interest rates, the borrowing rate is the amount that the consumer has to pay for the granting of the loan.
The effective interest rate includes the borrowing interest rate and the ancillary costs incurred for this loan. If you want a special repayment on your loan or a voluntary residual debt insurance, you will incur further fees if you can not afford the partial payments. They are not below the effective interest rate, but deducted from the rate of the month in which you receive this benefit.
For loans to private individuals, credit institutions are not allowed to charge processing fees. The interest rates vary between the individual banks, so you should use the credit rating comparison, which provides information on the interest rates for your credit rating at the individual banks. Before applying for your installment loan, you should plan it carefully as you will have to repay the installment over a long time horizon and bear an economic burden.
The smaller the loan amount and the longer the maturity, the lower the tranches. If you want to be debt free again as soon as possible, then a short-term deadline is recommended, but that raises interest rates. Compare your monthly income and fixed costs such as rent, electricity, insurance and telephone costs to calculate cheaper rates for you.
The interest rate on the installment loan varies from one house to the next, but the larger the due date and the larger the loan amount, the higher the interest rate. With our credit comparison, you can calculate the interest rates at the individual banks depending on the loan amount and the repayment term. The intended use may also affect the interest.
For some credit institutions, interest rates are calculated, irrespective of the creditworthiness, while at other credit institutions interest rates are calculated on the basis of the applicant’s creditworthiness. When granting loans, credit institutions must protect themselves against the risk of default and thus check the creditworthiness of the applicant. With good creditworthiness, it can be assumed that the borrower will repay the monthly installments in due time, while bad creditworthiness will result in a high default risk.
In the case of a lack of credit, the principal bank rejects an application – not only for its own benefit, but also for the protection of the investor. If you want to file a loan application, you must provide the house bank with various documents to verify your creditworthiness. The worse your credit rating, the lower the interest rates.
To apply for an installment loan, you must meet certain conditions, regardless of whether you want to conclude your loan agreement with a branch or with a house bank. The creditworthiness varies from bank to bank; while some banks have very high credit standards, others are less strict.
However, each of the banks receives a credit report to verify that the applicant has a positive credit card. In the case of a rejection credit bureau application can not be assigned a credit, since the default risk is too high. An earlier loan can have a positive effect on the creditworthiness if you have always repaid it on time; these details are submitted to the Federal Financial Supervisory Authority (credit bureau).
To apply for an installment loan, you must be of age, reside in Germany, have an unlimited employment contract, earn a current salary in the appropriate amount and have a bank account in Germany. The installment loan may be claimed without earmarked use, but the conditions may be more favorable if you specify the purpose of the application.
The conditions for a car loan can be advantageous because the car purchased acts as a deposit and the house bank can use it in case of non-payment. The debt rescheduling can also have a positive effect on the terms, since it is a loan on better terms with which you can replace one or more existing loans.
With our credit comparison, you can save credit for your installment loan, because you can link the banks together and choose the cheapest option for you. With the help of credit comparison, you can find the right loan for a variety of purposes, conditions and loan amounts and submit quickly.