5 providers: Get a car subscription without Schufa & despite negative Schufa

Car subscription without Schufa

There are only a few providers who do not carry out a credit check with the Schufa when taking out a car subscription. Providers who offer a car subscription despite a negative Schufa entry usually require other proof. These include: However, many providers generally reject customers with a negative Schufa entry. To make your search for a car subscription ... Read more

Advance interest – explained in a nutshell

What are advance interest

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

What is Vario financing?

Vario financing What is the cover

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

Buy Xbox on installments despite Schufa (Series X and S)

Buy Xbox on installments despite negative Schufa

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

Credit rating: Everything you need to know (Credit glossary)

KKV Kreditlexikon: Financial terms simple

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.

Mileage contract: Everything you need to know (Credit glossary)

KKV Kreditlexikon: Financial terms simple

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.

Used car financing without down payment

Used car financing without down payment

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

Annual performance: everything you need to know (credit encyclopedia)

Annual output = interest +repayment within one year

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.

The adjustment of conditions for follow-up financing

KKV Kreditlexikon: Financial terms simple

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.

What are the requirements for a car loan?

Prerequisites car loan sports car

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

Smartbroker securities loan: What you should consider!

Smartbroker Securities Loan

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

Mileage car: gasoline, diesel, electric & motorcycle

KKV Kreditlexikon: Financial terms simple

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.

Legitimation check: Everything you need to know!

KKV Kreditlexikon: Financial terms simple

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.

Replacement value: The most important things explained in under 4 minutes

KKV Kreditlexikon: Financial terms simple

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

Acceptance obligation explained in 3 minutes

KKV Kreditlexikon: Financial terms simple

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

Car loan protection contribution: what is it?

What is the protection contribution in the car loan - cover picture

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

Finishing house: advantages and disadvantages explained / Top 6 providers

KKV Kreditlexikon: Financial terms simple

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

Payout amount: everything you need to know

Disbursement amount credit lexicon

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

Replace loan: 4 advantages & tips

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

Employer loans: The best tips for employees

KKV Kreditlexikon: Financial terms simple

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

Withdrawal requirements: Everything you need to know

Disbursement requirements credit lexicon

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

Rental deposit: Best providers in comparison

Rental deposit

Weiterlesen: Wie viel Haus kann ich mir leisten? Welches Haus du dir leisten kannst Anschlussfinanzierung beim Immobilienkredit – 10 Jahre gespart Altersvorsorge: 2 Fehler, 4 Tipps Ehe vs. unverheiratet Zusammenleben Baufinanzierung Vergleich Online Rechner Wie funktioniert das Ehegattensplitting? Verhalten in der Finanzkrise 2020 Eine Betrachtung der Ehe aus finanzieller Sicht Tipps zu deiner Rente Welches … Read more

Guarantee fee: what is it and how much is the guarantee commission?

Guarantee fee credit lexicon

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

Basic leasing: definition and mode of operation explained

Basic leasing Credit lexicon

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

What is depreciation and what are the methods?

Depreciation Credit Lexicon

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 assignment explained in simple terms

Assignment Credit Lexicon

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 title: 6 best banks

Car loan without car letter delivery - keep car letter

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

Vehicle registration document as collateral for credit: use the car as security!

Vehicle registration document as collateral for credit

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

General loan conditions: The 3 most important elements explained in the credit lexicon

General loan conditions Credit lexicon

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

Small loan: borrow 200 euros for under 2 euros?

Small loan credit lexicon

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

The right to tender with all the facts simply explained

Credit lexicon Right of tender

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

Credit despite sick pay - Best options (10+ providers)

Credit despite sick pay

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

General terms and conditions: 6 important facts

Credit lexicon AGB General Terms and Conditions

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

Warning on credit: last article you need to read

Credit lexicon warning

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

Acquisition costs: These facts borrowers should know now

KKV Kreditlexikon: Financial terms simple

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

Down payment: How much equity is required?

KKV Kreditlexikon: Financial terms simple

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

Initial APR: calculation and significance

KKV Kreditlexikon: Financial terms simple

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

P-account allowance exceeded: When will the money be available?

P-Konto Allowance exceeded - When available

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

Free checking account with no minimum input 🥇

Free checking account with no minimum deposit

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

P account: When does the money go to the creditor? (2 cases)

P-Konto: When does the money go to the creditor?

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

Car loan without SCHUFA and creditworthiness - 10 banks where it works

Car loan without SCHUFA and credit rating

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

Car leasing without Schufa: 7 suppliers for car leasing without Schufa

Car leasing without and despite negative schufa

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

Buy PS5 on installments despite Schufa

Buy PS5 on installments despite negative Schufa

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

Investing in Index Funds (ETFs) – Pros & Cons

Investment Index Funds (ETFs) - Pros & Cons Source: https://www.pexels.com/de-de/foto/marketing-frau-kreativ-entwurf-6289065/

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

Loan without income: 4 options (student, Hartz 4, housewife)

No money? A loan without income can help quickly.

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

Buy PS5 in installments without Klarna

Buy PS5 in installments without Klarna

The PlayStation 5 is the latest model of Sony's successful games console. It still offers an incomparable gaming experience. Unfortunately, this unique experience comes at a high price for the popular PS5 console. At the same time, the provider Klarna is being criticized by consumer advocates and supervisory authorities. The provider encourages customers to take out loans irresponsibly. Read more

Student account comparison: The best bank for students

Study efficiently and save money by comparing student accounts

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

Why you shouldn't buy or sell a car without a registration document

Hand car key

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

What does the powers-sound in the car do?

what leads to power sound in the car

A frequently researched question during the driver's license test is: "What is the purpose of 'Power Sound' in the car?" This means listening to music at a high volume. Power Sound leads to distraction in traffic. According to the road traffic regulations, other road users must not be harmed or bothered. In addition, your hearing must not be impaired. StVO § 1 Para. 2: "(...) ... Read more

Which bank gives credit for low income?

Waiter - Only one of many Berfun with low income

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

Depot for children: papers, taxes & pitfalls

Mother daughter sunset at_sea

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

Swiss credit for Germans

In addition to the impressive mountain panorama of the Swiss Alps, Glacier Express and Alphorn, Switzerland also has an efficient banking system to offer. With the Swiss loan for Germans, we can also share in the benefits of Switzerland north of the Alps.

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

Swiss credit ranking: 7 Swiss credit providers without Schufa

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

How much does a small car cost per month?

You ask yourself "How much does a small car cost per month?" A small car can be maintained for less than 200 euros per month. This includes all costs for fuel, maintenance, taxes and insurance. These costs, also known as the maintenance costs of your car, amount to around 160 euros per month for a small car. In addition, there is the loss of value, which with a ... Read more

ADA Cardano hangs out other new cryptocurrencies

Cardano is a decentralized, public blockchain and cryptocurrency project. It is fully open source and lays the foundation for a very powerful smart contract platform. Cardano offers many advantages over other cryptocurrencies, one of its strongest competitors being IOTA. IOTA, on the other hand, is a new open source distributed ledger that is scalable, lightweight, and allows value to be transferred without fees. ... Read more

Change repayment during term at Sparkasse, Volksbank & ING

Repayment change during the term

If your financial situation changes, a change in repayment allows you to adjust the monthly installment of the loan to the new situation. This is also referred to as changing the repayment rate if the repayment is to be changed during the term of the loan. The right to change the repayment during the term must be agreed in the loan contract. Changes in the repayment rate are usually ... Read more

Which car at 1500 euros net?

Opel Astra

You ask yourself "Which car can you afford with a net wage or salary of 1,500 euros?" At 1,500 euros net, a used small car up to 6,000 euros is an option. If you can pay for the car in cash, you'll lower your future monthly expenses. However, you can also finance a cheap used car with a salary of €1500. After all, you're lying... Read more

Which car at 1000 euros net? – 11 cheapest cars

Which car at 1000 euros net?

You ask yourself "Which car can you afford with a net wage or salary of 1,000 euros?" At 1,000 euros net, a used small car up to 5,000 euros is an option. If you can pay for the car in cash, you'll lower your future monthly expenses. However, you can also finance a cheap used car with a salary of €1000. Thereby amounts to … Read more

Debt Advice: A Lifeline for People in Financial Distress?

Debt counseling: An effective lifeline for people in financial distress

This page compares the results of four social science studies that examined the effectiveness of debt counseling. In order to assess whether debt counseling is a lifeline for people in financial distress, we compare the effectiveness of debt counseling in four dimensions. The effectiveness of debt counseling is measured in 4 dimensions: economic, financial effectiveness, psychosocial effectiveness, ... Read more

Money for blood donation: How much money do you get?

Money for blood donation

Blood donations are an expense. Nevertheless, many collection centers pay money for blood donations. For a blood donation you can therefore earn between €20 and €50 per donation. Due to the necessary waiting time between two blood donations, you can earn a maximum of about 1,300 € per year by donating blood. So earning €50 every day is not possible with blood donations, ... Read more

Shares transferred to child tax-free

Shares transferred to child tax-free

With a deposit that runs on your child, the first €9744 (basic allowance) are tax-free in 2021. In addition, there is the savings allowance of €801. This means that €10,545 in share profits are tax-free in 2021. If the basic allowance has not been exhausted, securities can be sold at a profit and immediately bought again. Thus, the acquisition costs increase, which later becomes ... Read more

Interesting facts about trading

Learn trading

Digitization has revolutionized securities trading. Whereas stock exchange traders on the trading floor used to be regarded as a privileged species of people who gained or burned entire fortunes within a short space of time, securities trading is now freely accessible to every adult. Traders trade with the appropriate software directly on their notebook or PC with values worth millions. However, trading still surrounds ... Read more

Free savings plan at ING

While the DKB is turning up the cost screw in 2021, the ING is using its profits to offer offers such as a free savings plan! In the depot comparison, there are now some brokers who offer a savings plan for 0 euros in fees. The ING already has over 150 savings plans available free of charge. However, due to a good financial year, the bank is now... Read more

13 best ways how to earn 12.500 € a day

Earn €12,500 a day

Earning €12,500 a day is an enormous amount of money and a dream of many. To earn this much money, it is almost always necessary to make large sacrifices in the areas of free time and family. With an average of 20.8 working days a month, €12,500 a day is €260,000 a month and with an average of 250 working days a year, €3.125 million ... Read more

car insurance

car insurance

You can find the cheapest car insurance from providers such as Check24. Use the embedded rate calculator to check whether you are paying too much for your car insurance. Read more: What does "power sound" in the car lead to? Electricity comparison: What you should consider as a consumer Which bank takes cars as collateral? Which car for 1000 euros net? - 11 cheapest cars Which ... Read more

P-Konto Increase allowance - How long does it take?

P-Konto Increase allowance - How long does it take?

If you have a P-Konto, it is worth checking if you can increase the allowance. While by law the conversion of the account must be done within four business days, such a deadline does not exist for increasing the allowance. Therefore, many corrected rightly ask "How long does it take to increase the P-Konto allowance?". Normally, it is done ... Read more

Follow-up financing for real estate loans - 10 years of savings

Follow-up financing: What do I need to consider?

Anyone looking for follow-up financing for their property in 2021 will benefit from the low interest rates. The low-interest phase should be used to repay the real estate loan with a higher repayment. In the long run, a loan is a burden and it is therefore better to pay off the remaining debt quickly. It is therefore cheaper to use the low interest rate to pay off the remaining debt with the ... Read more

Loan declined due to bank statement

Loan declined due to bank statement

ATTENTION! Current loans should be specified correctly and completely when applying for a loan. Finally, the lender usually receives a copy of the bank statements. The bank often requests account statements for the last 3 months. The bank therefore finds out about these obligations anyway. An undisclosed loan does not leave a good impression on the bank and it can lead to ... Read more

Credit Everyone Gets - The Best 2 Options

Credit everyone gets

Many people with a bad credit rating or a negative entry at the SCHUFA urgently need money. Therefore, the question of a "loan that everyone gets" is in the room. If you just want to get a loan, you have to find a bank that checks as few criteria as possible when it is awarded. After all, the loan should be quick for everyone without ... Read more

Credit declined due to chargeback

No money? A loan without income can help quickly.

All information should be filled out completely and correctly when applying for a loan. Finally, the lender usually receives a copy of the bank statements. The bank often requests account statements for the last 3 months. The bank therefore finds out about these obligations anyway. If the bank statements show return debits, the loan can be rejected. But also payments to debt collection companies... Read more

Which bank is most likely to get a loan from?

If you have already asked yourself the question “Which bank is most likely to get a loan from?”, you have come to the right place. Loans that are easy to apply for and that anyone can get are either mini loans of up to EUR 3,000 or an installment loan with a credit line of up to EUR 7,500. You are most likely to get a loan of 1,000 euros with … Read more

No BAföG? Finance your studies without BAföG

No BAföG? Finance your studies without BAföG

Numerous students do not receive BAföG for various reasons. A solution or an alternative to BAföG must therefore be found. Because whether fate is your own fault or not: the course can also be financed without BAföG. The BAföG money tap was often turned off at the change of semester and students are faced with the question "No more BAföG what ... Read more

Trade Republic alternative

Trade Republic alternative

According to our ranking in the portfolio comparison, Trade Republic is one of the best portfolios for small investors. Nevertheless, there are other providers that you can use as an alternative to Trade Republic. I present two good alternatives here. The Smartbroker* or JustTRADE* depots may be more suitable for you. After all, both could in the objective comparisons Smartbroker ... Read more

JustTRADE vs Trade Republic

JustTRADE vs Trade Republic

Investing on the capital markets has become a little easier with the discount brokers JustTRADE and Trade Republic. Two of the recently introduced first mobile commission-free app and web services in Germany. In the article Smartbroker vs Trade Republic (test & experiences) we have already compared 2 newcomers. Here it goes in a similar style. Because mobile brokers… Read more

Borrow money and pay today

Borrow money and pay today

Borrow money and pay it out today: Loans from the mini loan comparison can be on the account in just 30 minutes. A mini loan with immediate payment or a micro loan with immediate payment is used. This is a loan available without a long and complicated credit check process. Because with a mini loan you can borrow up to 3000 euros and ... Read more

3000 Euro loan – instant loan without SCHUFA possible

3000 Euro credit - instant credit - possible without SCHUFA

Would you like to take out a 3000 euro loan immediately? With a 3000 euro instant loan you get more financial flexibility and can quickly bridge bottlenecks. In addition, 3000 euros can also be helpful to fulfill a spontaneous wish. With a 3000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more

Credit Collateral: Pros and Cons

Credit collateral advantages and disadvantages

Whether it's a loan for retirees, a loan for students or a loan without SCHUFA: Credit collateral is an important design element for loans. Credit collateral is shown in this article. Collateral can be used on a loan to get a loan at all, or to get better terms. This is how loan collateral plays a role in loans for pensioners, loans for ... Read more

1200 Euro loan – instant loan without SCHUFA possible

1200 euro loan - instant loan - possible without SCHUFA

Would you like to take out a 1200 euro loan immediately? With a 1200 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 1200 euros can also be helpful to fulfill a spontaneous wish. With a 1200 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more

1000 Euro loan – instant loan without SCHUFA possible

1000 Euro credit - instant credit - possible without SCHUFA

Would you like to take out a 1000 euro loan immediately? With a 1000 Euro instant loan you get more financial flexibility and can quickly bridge bottlenecks. In addition, 1000 euros can also be helpful to fulfill a spontaneous wish. With a 1000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more

1500 Euro loan – instant loan without SCHUFA possible

1500 Euro credit - instant credit - possible without SCHUFA

Would you like to take out a 1500 euro loan immediately? With a 1500 Euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 1500 euros can also be helpful to fulfill a spontaneous wish. With a 1500 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more

600 Euro loan – instant loan possible without SCHUFA

600 euro loan - instant loan - possible without SCHUFA

Would you like to take out a 600 euro loan immediately? With a 600 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 600 euros can also be helpful to fulfill a spontaneous wish. With a 600 euro loan without SCHUFA, bills can also be paid quickly, which can prevent further reminder fees. ... Read more

300 Euro loan – instant loan without SCHUFA possible

300 Euro loan - instant loan - possible without SCHUFA

Would you like to take out a 300 euro loan immediately? With a 300 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 300 euros can also be helpful to fulfill a spontaneous wish. With a 300 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more

1100-3000 Euro loan - instant loan - possible without SCHUFA

1100-3000 Euro credit - instant credit - possible without SCHUFA

Would you like to take out a 1100-3000 euro loan immediately? With an instant loan of 1100-3000 euros you get more financial leeway and can quickly bridge bottlenecks. In addition, 1100-3000 euros can also be helpful to fulfill a spontaneous wish. With a 1100-3000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more

500-1000 Euro loan - instant loan - possible without SCHUFA

500-1000 Euro credit - instant credit - possible without SCHUFA

Would you like to take out a 500-1000 euro loan immediately? With an instant loan of 500-1000 euros, you get more financial flexibility and can quickly bridge bottlenecks. In addition, 500-1000 euros can also be helpful to fulfill a spontaneous wish. With a 500-1000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more

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