Was passiert, wenn du zu viel Geld auf dem P-Konto hast? Welche Möglichkeiten verbleiben dir, damit du genügend Geld im Monat zur Verfügung hast? In diesem Artikel werden wir uns diesen Fragen im Detail widmen. Der Artikel lohnt sich, denn wenn du das P-Konto überschritten hast, gibt es einige Fälle, in denen du das Geld … Read more
Once you've signed the loan agreement, you probably just want to know: When will the money arrive? It depends on your creditworthiness, the amount of the loan and the digitization of the loan application via video identification, eSign and digital account check when the payment will be made. While the first two points affect you, the latter depend on the bank ... Read more
If you receive (unforeseen) cash receipts on the P-Konto, these payments will count against the allowance and the question may arise what to do now, or how to trick the P-Konto to tighten up the wording a bit. Finally, there are some tricks you can use to maximize the amount of money available on the P-Konto. ... Read more
Lately, more and more people are talking about cryptocurrency. So, you wonder what blockchain is and how to start trading cryptocurrency? Our collection of the best books related to cryptocurrency will help you understand bitcoin, blockchain and the niche as such. The best books for getting started with cryptocurrency and ... Read more
"Philipp, you credit rocket!" - The endless Smava ads on YouTube can sometimes trigger a gag reflex and the short-circuit reaction "Hands off Smava". We therefore examine today, whether one can trust the provider Smava, or whether one leaves nevertheless better the fingers away from Smava. If you want to take out a loan, the provider ... Read more
In the event of a garnishment, it is advisable that you open a Pfändungsschutzkonto to secure your existence. Alternatively, you can convert your existing account into a Pfändungsschutzkonto. Although P accounts promise protection of credit balances, it is sometimes not possible to make a withdrawal on the P-Konto despite having a credit balance. Often, you are legally entitled to the credit ... Read more
If you're like many other people who are looking for ways to increase their income in addition to their main job and are willing to take risks, you've come to the right place. Because here you will learn some methods with which you can increase or even double your money in a short time. For this purpose, risky investments like day trading, crypto investments or ... Read more
You wonder which entries are stored in your Schufa record and want to view this data? For this you can query every entry at the Schufa. The legislator has made it a little easier for you to access your data with Article 15 of the General Data Protection Regulation (DSGVO). Because through the DSGVO you have a right to know which ... Read more
In the case of double garnishment of account and wages, there is a simultaneous garnishment of wages and account. The risk of double garnishment exists if the statutory garnishment allowance (according to the current garnishment table) is higher than the (static basic) allowance protected on the P-Konto. This is the case when the static P-Konto exemption limits between €1,340 (without maintenance obligations) and €2,956 (with 5 or more maintenance obligations) are exceeded ... Read more
With the garnishment calculator 20222/2023 you can easily determine how much wages can be garnished from your income in case of a wage garnishment. You can use the garnishment calculator 2022/2023 as a wage garnishment calculator in case of a wage garnishment or to calculate the P-Konto allowance in case of an account garnishment. You can find the differences between both garnishments in the section Account garnishment vs Wage garnishment. Alternatively, you can use the ... Read more
The following garnishment table 2022/2023 shows how much of your income can be garnished in the event of a wage garnishment. You can use the garnishment table 2022/2023 in case of a wage garnishment as well as in case of an account garnishment. The differences between the two garnishments can be found in the section Account garnishment vs. wage garnishment. Alternatively, you can use our garnishment calculator to calculate the garnishment amount. With ... Read more
If you receive an additional payment of social benefits or child benefits, the increased income in the month of the additional payment often leads to the protected exemption amount on the P-Konto being exceeded. This will cause the bank to disburse the back payment and you will no longer have access to the money. If you are expecting an additional payment, you must therefore act quickly and file a ... Read more
Here you will find all essential information about the Postbank P-Konto (Pfändungsschutzkonto). On the "Postbank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. To benefit from the P-Konto protection you have to apply for a P-Konto conversion at your Postbank branch. This is also valid retroactively for 4 weeks. ... Read more
This article presents 3 free ways how you can deposit money for free at ING. There are minimum and maximum amounts of 1,000 euros and 25,000 euros, which can be bypassed relatively easily. As a direct bank, ING benefits from the saved costs of an expensive branch network. It passes on this cost advantage through a free Girokonto ... Read more
The purchase of washing machines is associated with high costs. By buying in installments, you can spread the cost of your new washing machine over several months. So you can afford a high-quality washing machine today, and do not have to turn to cheap washing machine of inferior quality. With a special loan, you can buy a washing machine or a washing machine with a ... Read more
Here you will find all the essential information about the P-Konto of the Savings Bank (Pfändungsschutzkonto). On the "Sparkasse P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. In order to benefit from the P-Konto protection, you must submit a P-Konto conversion application at your Sparkasse branch. This is also valid retroactively for 4 weeks. ... Read more
Have you found the perfect furniture for your home? With the furniture loan calculator you can find the right financing for your furniture. This way, you'll get the amount for your furniture into your account quickly and safely. Find furniture loan in calculatorWhat you can learn here1 Find furniture loan in calculator2 The cost of financing furniture depends on your ... Read more
The purchase of furniture is associated with high costs. By buying in installments, you can spread the cost of your new furniture over several months. So you can afford high-quality furniture today, and do not have to turn to cheap furniture of inferior quality. With a special loan you can buy furniture despite negative Schufa on ... Read more
Here you can find all essential information about the Volksbank P-Konto (Pfändungsschutzkonto). On the "Volksbank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. In order to benefit from the P-Konto protection, you must submit a P-Konto conversion application at your Volksbank branch. This is also valid retroactively for 4 weeks. ... Read more
Here you can find all essential information about the P-Konto of Norisbank (Pfändungsschutzkonto). On the "Norisbank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. To benefit from the P-Konto protection you have to apply for a P-Konto conversion at your norisbank branch. This is also valid retroactively for 4 weeks. ... Read more
If you have a negative Schufa record, it is not easy to get a loan for a car - most car dealers as well as banks often refuse customers with negative Schufa listing. However, even in difficult cases there are ways and possibilities to buy a car on installments without a bank despite negative Schufa. If you ... Read more
The purchase of a bicycle is associated with high costs. By buying in installments, you can spread the cost of your new bike or e-bike over several months. This way, you can afford the best technology today without having to dig too deep into your pockets and use up savings. With a special loan taken out specifically for this purpose, the ... Read more
Here you will find all essential information about the Commerzbank P-Konto (Pfändungsschutzkonto). On the "Commerzbank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. To benefit from the P-Konto protection you have to apply for a P-Konto conversion at your Commerzbank branch. This is also valid retroactively for 4 weeks. ... Read more
In this article, we clarify whether Targobank gives a loan despite negative Schufa. Maybe it's unexpected now: If you have a negative Schufa record, Targobank* is an acceptable, but not the best good address. Because Konto-Kredit-Vergleich.de made the following experience: A loan despite negative SCHUFA is not granted at Targobank. However ... Read more
Can it happen that a loan agreement has been signed and then still be rejected by the bank? In this article, we clarify some common misunderstandings between the loan application and the actual loan agreement. These misunderstandings always lead people to think that their loan agreement was still rejected despite being signed. In many cases, this is not the case, ... Read more
Here you can find all essential information about Deutsche Bank P-Konto (Pfändungsschutzkonto). On the "Deutsche Bank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. To benefit from the P-Konto protection you have to apply for a P-Konto conversion at your Deutsche Bank branch. This is also retroactively still ... Read more
Autobanks can offer financing and the associated new car from a single source. However, car banks are tied to one brand. Added to this are the inflexible terms and conditions of car bank financing. These include 3-way financing with the requirement of a down payment and a final installment. The high final installment at the end makes financing with negative Schufa thereby difficult. ... Read more
Get a lightning loan despite bad credit in under an hour on your account With a lightning loan you can borrow between 100 and 3,000 € ✓Through the instant transfer you can get the money today on the account! ✓The lightning fast express loan is paid out despite poor credit rating due to negative Schufa entries ✓Flexible repayment: The loan can be repaid in one, ... Read more
With credits and loans one does not get around the topic interest. There are many forms of interest. After all, interest is the most important source of income for a bank. In the case of advance interest, the bank charges the agreed interest for a loan disbursed earlier. However, since advance interest is not included in the installment plan due to the earlier disbursement, it sometimes provides ... Read more
In the articles Auto auf Raten kaufen trotz negativer Schufa und Autohaus Finanzierung ohne Schufa we have already pointed out that with negative Schufa a used car for a low 4-digit euro amount is the vehicle of choice to become mobile again. Because financing a car with a bad Schufa is difficult and at worst runs ... Read more
When financing a new or used car without a down payment, Vario financing plays a decisive role. With this financing, you can buy a car without making a down payment. But what is Vario financing? What does the term Vario financing mean and is Vario financing actually only available for a car? Important summarizedWhat you ... Read more
The Xbox X and S series are the latest gaming consoles from Microsoft, which have been available in Germany since November 2020. However, the prices for the Xbox are set too high for many. Therefore, many wonder how they can afford the new Xbox, especially if the credit rating has some flaws. One way the ... Read more
A credit rating provides an assessment of a debtor's creditworthiness and the likelihood that it will repay its payments on time and in full. There are both internal and external credit ratings. Internal credit ratings are prepared by the bank itself, while external credit ratings are prepared by independent rating agencies. The latter are used to assess the credit risk of a debtor for potential creditors and investors. External credit ratings can also facilitate the issuance of bonds and other debt instruments.
The mileage contract in leasing is a safer form of contract for the customer. This is because by specifying the mileage at the beginning of the contract and billing at the end of the contract on the basis of the actual kilometers driven, the customer is protected from unexpected costs. In addition, he is freed from the risk of the used car market, since the mileage is fixed in advance. Thus, with a kilometer contract, the customer knows in advance the costs incurred for car leasing eganua, which greatly facilitates planning and control.
Annual performance is a term used in the financial world to describe the cost of a loan. It is an important factor to consider when deciding on a loan. The annual benefit includes both the interest and the repayment of the loan. It can be calculated in several ways, depending on the type of loan being taken out.
Used car financing without a down payment is possible via Vario financing, car leasing, a car subscription or a car loan. The monthly installments are very low with Vario financing, car subscription and car leasing. With the car loan, on the other hand, the monthly installments are higher. This is due to the fact that with a car loan you ... Read more
Would you like to take out a car loan? Then you can find out here which criteria exist for taking out a car loan. The essential requirements for a car loan include: income, place of residence and the general creditworthiness of the borrower. Car loan what is needed - One of the most important requirements for a car loan is a minimum income of 1,300 euros, which is about the 3 last payslips ... Read more
In the case of the adjustment of conditions or the adjustment of conditions for loans, the conditions for the granting of the loan are determined between the borrower and the lender on the basis of the end of the fixed interest period. This is necessary because the conditions on the capital market are constantly changing and therefore the conditions for loans must also be adjusted.
The fixed interest period is the period for which the conditions of a loan are fixed. However, the fixed interest period often ends before the end of the term of the construction loan, which makes it necessary to redefine the terms of the loan.
The lender, usually a bank, makes an offer for a further fixed-interest period a few weeks before the fixed-interest period expires. This offer is based on the current conditions on the capital market and can include both higher and lower interest rates. The borrower should consider negotiating this offer in order to obtain the best possible conditions for the further loan.
Contacting the bank to adjust the conditions is not always done automatically in time. When the fixed interest rate expires, the borrower should request an offer from the bank. Here, the borrower should act in time to not miss the adjustment of conditions. Finally, the borrower needs some time to get other ANbgebote other banks if necessary.
The term of a loan is an important factor that determines the duration of the repayment of the borrowed amount of money. In a contract under the law of obligations, such as the loan agreement, the term is specified in a binding manner. However, this may differ depending on the borrower's financial situation. A longer term enables the borrower to repay the loan amount in smaller installments, while a shorter term results in higher monthly installments.
Like several alternative custody account providers, Smartbroker offers a securities loan. Which conditions are offered with the Smartbroker securities loan and what you should pay attention to with the Smartbroker Lombard loan, as the securities loan is also called. The short version: With the Smartbroker securities loan, you can lend on all tradable securities with a maximum of 80 % for 2.25 % interest. An exception are papers that ... Read more
The mileage of a vehicle is a key indicator of its value and condition. It indicates how many kilometers the car has covered since it was manufactured and is therefore an important factor in assessing the vehicle. In the car leasing and financing sector, mileage plays a crucial role in determining the total number of kilometers a vehicle is allowed to travel during the contract period. High mileage can increase the risk for the lessor, as it indicates that the vehicle has been used frequently and thus shows greater wear and tear.
In this article you will find out what a negative Schufa report looks like. Because if you have requested a Schufa information, the question "What does a negative Schufa information look like?" plays an important role. Because only with a little specialist knowledge can you distinguish negative Schufa information from positive information. A negative credit bureau information reduces ... Read more
Many loan providers lure you with false promises of a loan without Credit Bureau. Often - especially in social media - perfidious scams are used to rip you off. Loans with preliminary costs, notary or cash on delivery fees are not legal in Germany. Nevertheless, these and similar fees are required for loans without Credit Bureau. Because by no means all providers without Schufa ... Read more
A legitimation check is a procedure in which the identity of a person is verified. This is often carried out when opening a bank account, applying for a loan or issuing a passport. In order to perform the verification of identity, certain documents are required to confirm the identity of the applicant. These documents are verified by an authorized body, such as a bank or a notary. The legitimation check is required by law to prevent fraud and money laundering.
The transfer value is the amount you pay if you want to take over a leased object before the end of the term. This amount is usually too high for you to pay out of your own pocket. Therefore, for a permanent purchase, it is advisable to use credit financing, which allows you to buy the vehicle immediately. The term ... Read more
The purchase obligation is a contractual clause that is included in every loan agreement. It states that the borrower undertakes to take out the loan or have the installment loan paid off within a predefined period of time. The contract also contains the rules of repayment. The obligation to purchase, states that the borrower undertakes to repay the loan in ... Read more
In the securities loan comparison, we take a look at the securities loan conditions of different providers. Important criteria when comparing the conditions of securities loans is, in addition to a favorable interest rate, whether the loan is earmarked, whether there is a report to the Schufa and, in particular, whether the provision of the loan is free of charge. I have compared numerous deposit providers ... Read more
The protection contribution for the car loan is the fee for the residual debt insurance. The residual debt insurance covers the cost of the car loan in the event of certain strokes of fate. The risk of death, illness, unemployment and incapacity for work are covered by the protection contribution for a car loan. Term life insurance is an alternative to residual debt insurance for car loans because it covers similar risks. Paying off a car loan... Read more
A finishing house is a type of prefabricated house that requires the buyer to do the rest of the interior work themselves. This can be a cost-saving option, but it also requires craftsmanship and the ability to hire or employ skilled labor. Finished homes can be purchased in various stages of completion, from a shell to a nearly finished ... Read more
The disbursement amount is the amount of money that is actually disbursed to the borrower. As a rule, the disbursement amount of a loan is less than the loan amount. This is the case because any fees or, in some cases, interest incurred are typically deducted as a so-called disagio or damnun. The discount thus corresponds to the difference between the nominal amount of the loan and ... Read more
Disbursement (value date) is the process of transferring money from one person to another. This can be in the form of transfer to the recipient's account, checks or cash. In credit, disbursement occurs when a consumer has applied for credit and submitted all required documentation to the bank. These documents ... Read more
Repayment, also known as loan redemption, describes the process of paying off an existing loan early. If you have an installment loan, you have the option of paying it off early at any time. By paying off an old and expensive loan, you save money and enjoy other benefits. When you pay off your old, more expensive loan, you save money and benefit ... Read more
An employer loan is an amount of money that the employer provides to the employee at comparatively favorable interest rates. This loan works similarly to an installment loan from a bank, where the time frame and the amount of the monthly payments are contractually agreed. To ensure that the loan is not seen as wages, it is essential that repayment, interest and collateral ... Read more
Disbursement requirements are conditions that must be met before a loan can be disbursed. The bank may already approve a loan even if not all conditions have been met. The commitment is then subject to the fulfilled disbursement conditions. This saves a lot of time, as the customer can already be sure that the financing is in place when all the conditions are ... Read more
A guarantee fee, also known as surety fee, is incurred when a bank or insurance company issues a guarantee. This often happens, for example, in the case of bank guarantees as part of a rent deposit to be paid or in construction financing. The guarantee fee is usually between 0.5 and 2 percent. This means that the guarantee fee differs from the amount for loans because, unlike the loan for ... Read more
Read more: How much house can I afford? What house you can afford Follow-up financing for a real estate loan - 10 years saved Retirement planning: 2 mistakes, 4 tips Marriage vs. unmarried Living together Construction financing comparison Online calculator How does spousal splitting work? Credit when buying a house: Where is equity still slumbering? What does a small car cost per month? How much money for a ... Read more
Depreciation refers to the loss or reduction in value of various assets, such as real estate. As a consumer, you can claim this loss in value for tax purposes. When calculating the annual sum of depreciation, the one-time production or acquisition costs of the object are taken and distributed over the useful life of the object. There are two types of depreciation: the ... Read more
The word "leasing" is derived from the English word "to lease". In the case of basic leasing, an asset or commodity is used for a limited period of time in return for a fee. Leasing is often used for vehicle financing as an alternative to a car loan. In companies, other equipment such as printers, copiers, fax machines and the like are also frequently leased. This leaves ... Read more
Assignment is a form of security that credit institutions often require from borrowers. If a borrower fails to pay his installments, the bank can use an assignment to secure claims against the borrower. Especially in the case of a land charge loan, the assignment of the land charge to a new bank plays a major role when changing financing. Definition: The recipient of the assignment (assignee) ... Read more
Car loan without car registration – A flexible financing model for your dream car. There are banks where you can take out a car loan and keep the car registration. This also includes my recommendation: The ING DiBa car loan without a vehicle registration document. In the case of a car loan without a car letter, there is no security transfer. So you are the owner and owner of the vehicle. In order to … Read more
For a car loan, the vehicle registration document (officially: registration certificate II) must be submitted to some banks. Without a desire to sell, it is even advisable to take out the loan against a vehicle registration document. Many were interested in the question "Which bank takes a car as security?". Therefore, Konto-Kredit-Vergleich.de has checked which banks accept the vehicle registration document as a pledge for credit and which do not. ... Read more
The General Loan Terms and Conditions are a binding contractual document for lenders and borrowers and therefore, in addition to the credit agreement, another important document for anyone taking out a loan or credit. They are comparable to the general terms and conditions (GTC) of online stores. In the general loan conditions, lenders such as BMW Bank, savings banks, building societies and other lenders regulate the relationship between ... Read more
Bagatelle generally means a small thing or trifle. The word comes from French and literally means: trifle, trifle. So, according to the loan providers, a petty loan is just that: a trifle. The upper limit for a petty loan is usually 200 euros. As a rule, the customer needs for the application only a small, but ... Read more
An assignment of a land charge is an important step in home financing. When a land charge is assigned, the land charge is transferred from one bank to another. This usually happens when the existing real estate loan is moved to another bank, for example, because a more favorable financing offer was found. The assignment of the land charge takes place in ... Read more
If you're wondering which bank you can open a P-account with and you might have one or the other negative Schufa entry, you've come to the right place. Because here you will receive recommendations at which bank you can open a P-account with a bad credit rating or negative Schufa. These are Schufa-free accounts, which can also be used with ... Read more
If you receive sick pay, your credit rating is weakened. It is therefore particularly difficult to cover your credit needs in the event of a prolonged illness for which you receive sick pay. Many banks will withdraw from a loan despite sick pay. This is because bank sick pay cannot be garnished like regular earned income. There is a garnishment ... Read more
The right of tender is an important element in the leasing business. It means that the lessor grants the customer the right to purchase the asset at the end of the agreed term. However, this does not mean that the lessee is obliged to purchase the leased vehicle. The right of tender gives the lessor the right to sell the leased vehicle to the lessee. Read more
General terms and conditions (GTCs) are standardized contractual terms and conditions used by a company to define the rules and conditions governing business relationships with its customers. They may contain, for example, regulations on delivery terms, payment terms, warranties, limitations of liability and rights of return. General terms and conditions must be transparent and understandable and must not violate applicable law. In the case of loans, one often speaks of general loan conditions, ... Read more
In lending, a warning letter is a written reminder that a borrower receives from his or her lending bank when he or she violates the terms of the loan agreement. The warning letter lists the amount of the loan, the amount of the monthly payments, the interest rate, the length of time for repayment, and other fees that may apply. A warning notice is always in writing. The ... Read more
The down payment is the first partial payment on a loan. A down payment affects the total cost of the loan. If you contribute equity to the financing, the required loan amount decreases. This affects the term and the amount of interest on the loan. The smaller the loan amount, the faster the amount can be repaid and the more favorable ... Read more
Acquisition costs Acquisition costs are the expenses associated with the purchase of assets. This can be, for example, the purchase price of a car or an apartment, but also the cost of repair. In German commercial law, acquisition costs are regulated in the German Commercial Code (HGB Section 255 (1)). Acquisition costs include not only the purchase price, ... Read more
The initial APR is an important factor in credit agreements. By law, it must be listed in all credit agreements and shows the annual effective interest rate as a percentage. In the case of long-term financing such as real estate loans, the initial APR only applies for a fixed period of time, the so-called fixed-interest period. After that, the borrower has to renegotiate the interest rate or make a ... Read more
Would you like a free checking account even without receiving wages, salary, pension or BAföG? In 2021 providers of fee-free accounts will become increasingly rare. Because since September 2019, banks have had to pay 0.5 percent penalty interest to the European Central Bank. Many banks get this money back from their customers. Customers who do not have a minimum payment are particularly unpopular with banks. Read more
If you receive more money in a month than the garnishment exemption allows, you exceed the P account exemption. Now the bank moves the money above the garnishment exemption amount to a payment account and blocks it for the current month. The question of when the blocked money will be available again is raised because the P account allowance has been exceeded. ... Read more
With a negative Schufa information an installment purchase in the online store is directly no longer possible. If there is still a need for technology, furniture or a car, alternative ways must be found via loans despite negative Schufa. Here you can find out everything you need to know about buying in installments despite negative Schufa. The focus is on the question "Where can I ... Read more
In order to answer the question "When will the money in the P account go to the creditor?" the cases of transfer of moratorium amounts and transfer amounts to the following month must be differentiated. In the case of moratorium amounts, your receipt of money is higher than the exempt amount, whereas in the case of transfer amounts in the following month, your exempt amount has not yet been exhausted and you make a savings contribution in the ... Read more
In this article you will find 10 banks where you can get a car loan without SCHUFA and creditworthiness. You will also find out what loan amount is available for a car loan without a Schufa query, depending on your income. You can lower your monthly rate by making a down payment. Conversely, a car loan without Schufa and down payment means a higher monthly ... Read more
Klarna has come under fire from consumer advocates and regulators. The British advertising regulator has already banned Klarna advertising in 2020 because the provider encourages customers to use credit irresponsibly. Since electronic items are often only affordable for many via installment payments, but Klarna has a bad reputation, the focus today is on alternatives. Here you will therefore find ways to ... Read more
Here we talk about car leasing without Schufa and car leasing despite Schufa. We will look at the possibilities of whether and where you can conclude a lease with a small credit check. However, leasing without a credit check is not possible from any provider, because of course every lessor somehow ensures that the installments can be paid. Nevertheless, there are ... Read more
If you have also asked yourself the question "Which banks lend easily?", you are in the right place. In the Top 15 Tableau, we show you banks and credit brokers that grant easy loans. Easy-to-apply loans that anyone can get are either mini loans up to 3,000 euros or an installment loan with up to 7,500 euros ... Read more
The PlayStation 5 is Sony's most powerful gaming console, which has been available in Germany since November 2020. The prices for the PS5 console have skyrocketed to astronomical heights due to the low supply. Therefore, many are wondering how they can afford the new PS5, especially if the credit rating has some flaws. One way the ... Read more
More and more investors are now switching to other types of investment than they did a few years ago, because traditional savings models simply no longer yield interest. Index funds, also known as ETFs, are particularly popular. But what is the reason for this great popularity? And are there also disadvantages that potential ETF investors should be aware of? What is an ETF anyway? What you can learn here ... Read more
In the article Which bank gives credit for low income? I looked for 7 providers who would grant a loan despite a small income. It was noteworthy that there are several different ways to get a loan as a low earner. But is it also possible to get a loan without income or without proof of income? Of course you could also... Read more
The PlayStation 5 is the latest and most powerful gaming console from Sony. The high-end console has been available since November 2020. In the process, the PS5 offers breathtaking graphics and fast loading times for an unparalleled gaming experience. But for many consumers, the question is: How can I afford this new console? One option is to buy the PS5 ... Read more
The PlayStation 5 is the latest model of Sony's successful gaming console and has been available on the market since November 2020. With its fast processor and impressive graphics, it offers an unparalleled gaming experience. However, the unique experience unfortunately comes with a high price, the popular PS5 console. At the same time, the provider Klarna is at odds with consumer ... Read more
No vehicle registration document when buying or selling a car? In this article you will find out why you should not buy or sell a car without a vehicle registration document (today's registration certificate part II). When buying a car without a vehicle registration document, ownership is unclear. Therefore, you cannot prove that the car belongs to the seller and that he is even allowed to sell it. This is how you can at … Read more
Going to college is usually a big change. Because it is often associated with moving to the place of study. Students who now receive income from part-time jobs, parental allowances or state subsidies must also systematically manage expenses – including rent, electricity, telephone and internet. The "control center" for all financial matters is nowadays the checking account. Above … Read more
After 4 years of experience in affiliate marketing, here you will find an answer to the question: "How can I make money with an affiliate project?" In 2023 you can start earning money with affiliate marketing after just one week. After a few months, €100 a month is realistic. If you stick with it for at least a year, ... Read more
The idea of getting financing through a car dealership is an obvious one when buying a vehicle. After all, you know the people at the dealership personally, which often creates a certain level of trust. But if you have a negative Schufa record, it's not easy to get a loan - car dealerships as well as banks reject customers with negative Schufa ... Read more
There are only a few providers who do not carry out a credit check with the Schufa when concluding a car subscription. Car subscription providers who offer a car subscription despite a negative Schufa entry usually require other proof. Examples of other evidence include sufficient income, a guarantor, or additional security deposit. With many providers, customers are… Read more
A frequently researched question on the driver's license test is, "What does 'power sound' in the car lead to?" This refers to listening to music at a high volume. Power sound leads to distraction in road traffic. According to the road traffic regulations, other road users must not be harmed or inconvenienced. In addition, your hearing must not be impaired. StVO § 1 para. 2: "(...) ... Read more
Have you ever had the thought "I need money, no matter what!" When you have this thought, bad decisions are usually not far away. The panic of getting money quickly and easily blinds us. The obvious option would be to simply borrow money, or use the overdraft facility. But of course both are at the expense of your future ... Read more
People on low incomes often have a painful experience when applying for a loan: the more someone needs a loan because of their personal finances, the more difficult it is to apply. The "credit paradox" makes it very difficult for low-income earners, housewives, students, part-time workers and retirees to obtain a loan. But this article shows how and with which ... Read more
Received loan rejection? We will show you how to reschedule a loan in difficult cases and where you can get a loan directly.
Taxes can be saved with a deposit for children. When equipping the depot, attention should be paid to long-term stable securities in promising sectors. The custody account for children is an ideal vehicle for building up assets for the offspring. Pitfalls with health insurance and BAföG should be avoided at all costs. Because these can, if approached incorrectly, cause any ... Read more
Why are Swiss loans so popular with Germans? In contrast to most German credit institutions, Swiss banks grant the loan according to different rules of the game. Loans from Switzerland can also be granted with a negative Schufa entry, a “poor credit rating”. In addition, there is no entry at the Schufa for a loan from Switzerland. The name Swiss loan ... Read more
Diligence, intelligence and perseverance are necessary if you want to earn 50 euros every day. 50 euros a day is a popular earnings target to supplement your salary from a permanent job. Maybe you are also looking for a way to build a second leg to stand on? In both cases, there are suitable online and offline earning opportunities with which you can ... Read more
Are you interested in becoming an instructor on the online learning platform Udemy? Then there are a few steps you can take to get started. Here's how to successfully create, market and sell your Udemy course. Becoming an Udemy instructor is your chance to share the knowledge you've gained and your chance to make money ... Read more
In the Swiss credit ranking list you will find the seven best German credit providers for a loan from Swiss banks despite negative credit bureau and without upfront costs. The Swiss credit providers can arrange a loan without a credit bureau from a foreign bank. Alternatively, these providers also offer you a cheaper loan from Germany. This credit will then be used despite negative ... Read more
Dog sitting is a great way to earn money if you love dogs and enjoy spending time with them. Becoming a dog sitter can be a lucrative and exciting way to earn money and live out your passion for dogs. Especially if you make money online with blogging, trading or as an affiliate, you often lack the ... Read more
