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
This article is from the spring of 2020. It is a republication. Coronaviruses are a group of viruses that cause disease in animals and humans. In humans, the virus causes an infection of the respiratory tract. The disease is initially similar to a cold or flu. However, rarer forms of coronavirus, such as SARS and MERS, can be much more deadly ... Read more
I often read about how you can set up an ETF savings plan and then just let it run for 30 years. But is that really possible? I'll do a quick fact check. The illusionWhat you can learn hereThe illusionLook in the rearview mirror ⏮️Situation of ETFs today ⏭️Weiterentwicklung of the ETF concept in the futureShould I still have an ETF savings plan today then ... Read more
Robo advisors invest customer money in a broad range of funds after a risk assessment. I explain how they work and what investors should consider when it comes to digital investments. Expensive help with investing is a thing of the past thanks to digitization: robo advisors use algorithms to find the right portfolio for an investor. I explain what to look out for and... Read more
At the turn of the year did the costs increase again? The dispo is already back on the attack? With this reality, unfortunately, a large number of Germans are affected every month. The bottom half of German citizens own just one percent of national wealth. According to surveys, every third person is concerned about whether they will have enough money in old age... Read more
Which custody account is suitable for whom? A brief summary in bullet points This is just a short teaser. If you would like to find out more about custody accounts, click on the button below. Read more: Electricity comparison: What you should consider as a consumer Car insurance Things to know about trading Double garnishment Account and salary: What you need to do now
Managing finances yourself is perceived by many people as too difficult, which is why they leave this topic to bank advisors. Under no circumstances should you give this important topic to others. Making a simple investment isn't difficult as long as you avoid the major mistakes. In the following it is determined which ones they are! “It is remarkable how much long-term advantage people like … Read more
A line of credit without Schufa is a call credit that is granted without checking the Schufa file. A line of credit is similar to the usually somewhat more expensive overdraft facility with Girokonto. This is because a line of credit and an overdraft facility are credit lines that you only draw on when necessary. In addition, unlike an overdraft facility, a line of credit is not tied to the Girokonto and can be used independently of ... Read more
Is it possible to invest in ETFs without any prior knowledge? Yes, say numerous robo advisors, i.e. fully digitized investment helpers. To make this possible, numerous start-ups in the financial sector, so-called FinTechs, have been founded since 2013 and written some clever software. This should make it available to a wide range of people - even without knowledge of ... Read more
The providers presented here have fully digital processes and use express transfers to enable a loan disbursement in the account in 30 min. However, you should allow a few hours for the money to post to the account. Quick loans in the comparison calculatorWhat you can learn here1 Quick loans in the comparison calculator2 Summary: Everything you need to know about the loan in 30 ... Read more
The providers of robo advisors are increasingly targeting a younger clientele. Generation Y has far less wealth than baby boomers. Consequently, providers must lower the barriers to entry for robo advisors in order to convince younger customers of their offer. The article shows 3 reasons how robo advisors apply the discount principle to the ... Read more
The Robo Advisor comparison allows you to quickly and easily compare the performance of different Robo Advisors and carry out yield tuning! With a 7.74 % return over 24 months, Ginmon performed 2.44 % above that of the robo advisors growney. With an investment sum of 10,000 euros, this already corresponds to 244 euros in additional profit. She … Read more
What do the pros do differently? The advantage of the Harvard investment fund is not so much in profit maximization as in sophisticated risk management, so that the university lost significantly less value than the S&P 500 during the 2007-2009 bear market. The foundation assets were also able to recover quickly after the crisis . We take a look... Read more
Is the pension secure? What is the pension gap in the future? By what percentage does the last monthly net income before retirement exceed the pension? This figure is regularly recalculated by statisticians at the German Institute for Retirement Provision. The figure is also called the pension gap. Retirement income: 3-pillar modelWhat you can learn hereRetirement income: 3-pillar modelWhat income do I need in old age, ... Read more
If the taxable income in 2020 is no more than 17,000 euros for a single person and no more than 34,000 euros for a married couple filing jointly, the favorable tax treatment test will save taxes in any case. You can find out how to do this here. What is the favorable tax treatment test? What you can learn here1 What is the favorable tax treatment test?1.1 Why filling out the ... Read more
Mini loan without SCHUFA? Get a loan despite negative SCHUFA! After submitting the form*, a loan without Schufa comparison is possible. If you are looking for a loan, it is often difficult to get past SCHUFA because banks are obliged to obtain information about your creditworthiness. A way out is offered by loans that ... Read more
Credit without SCHUFA? Get a loan despite negative SCHUFA entry! After submitting the form, a loan is possible despite a negative SCHUFA entry. On this page you will learn what experiences others have collected with a loan without SCHUFA. We look at the provider SMAVA. Credit without SCHUFA experiences with SMAVA as a financial service provider?what you learn here ... Read more
Marital splitting and other consequences of marriage: inheritance, will, alimony, hospitalization. Are the advantages of marriage obvious? After all, the number of marriages in Germany has been on the rise again since 2003: Konto-Kredit-Vergleich.de sheds light on which advantages a marriage offers from a tax and legal point of view. Are married people given preferential treatment in Germany? And how does the marital splitting actually work? How does the marriage splitting work? What ... Read more
Despite the historically low interest rates, it is important to compare loans with each other. In any case, it is a mistake to accept the offer from the nearest branch bank without having carried out a loan comparison. This is often worthwhile due to the favorable conditions, which are available online in particular. The advancing digitization in connection with the Internet have ... Read more
This is about buying a share with an online deposit. If you are a stock market beginner and are just starting to trade, the question "How do I buy shares?" arises. Therefore, I explain step by step how you can buy a share using the example of onvista Depot*. The procedure is the same with other brokers but ... Read more
Just as important as the right share is the right securities account. Smart investors compare regularly and get by a comparison of the deposit change premium regularly cash on the account. Depotwechsel: Die Prämie im VergleichWhat you can learn here1 Depotwechsel: Die Prämie im Vergleich2 Depotwechsel Prämie Vergleich: Bargeld auf dein Konto!3 5 simple steps to benefit from a premium when switching ... Read more
A "securities account" is often simply referred to as a "depot" or "stock account". The terms are used synonymously here. But what is a depot? How do I find the best for me? And how can I open a securities account? This article answers these questions. But before we get started, a brief history for classification. stock trading… Read more
Through our financing partner, it is possible to obtain an instant loan despite Schufa information. Thus, even people with moderate creditworthiness or self-employed with highly fluctuating income can get a loan "without SCHUFA query". Requirements for conventional loansWhat you can learn here1 Requirements for conventional loans2 Instant loan despite bad SCHUFA score get3 Instant loan despite SCHUFA entry: What advantages ... Read more
A "securities account" is often simply referred to as a "depot" or "stock account". The terms are used synonymously here. But what is a depot? How do I find the best for me? And how can I open a securities account? This article answers these questions. But before we get started, a brief history for classification. stock trading… Read more
Finance a cheap loan for your used car with the current overview of interest rates. With the car loan calculator you can compare car financing without obligation. Furthermore, the used car loan comparison on this page is: ✅ non-binding ✅ free of charge. By the way: There are also used car loans without depositing the vehicle registration document. You can also finance your used vehicle with a negative SCHUFA entry via a credit professional... Read more
A large part of the fees can often be saved by a low interest rate. Some banks that offer a free checking account only charge a relatively low interest rate. As a rule, these are direct banks that do not have their own branch network. They pass this cost advantage on to their customers. Furthermore, many providers also offer a free… Read more
Check offers in detail and make a loan request The comparison calculator shows a selection of available loans. The loans are sorted by interest in ascending order. All essential information is available in the product details tab. In the tab you will find out: What loan amounts the bank grants What credit terms the bank offers The range of interest rates The monthly ... Read more
The most important things in a nutshellWhat you can learn here1 The most important things in a nutshell2 What to do A Girokonto at a branch bank is often expensive: account maintenance fees, transfer fees, withdrawal fees, ... the list could go on. Kreissparkasse Ludwigsburg has a list of prices and services for private customers with 83 items. In contrast, various direct banks often offer free accounts at good conditions. ... Read more
Compared to the Santander account, the DKB scores with a cheaper overdraft facility and lower minimum payment. In return, Santander will also reimburse you for fees charged by vending machine operators against receipt ("surcharges") and offers attractive bonus payments of up to €108 per year. Read more here about the DKB account in the DKB test report and here about the test winner account in the category ... Read more
A free credit card has almost no disadvantages compared to a paid credit card. You also benefit with a free credit card from the monthly debit at the end of the month, can put down deposits for rental cars and receive a short-term loan to stay liquid when things get tight. Credit cards as a means of payment are widely used in the USA. We carry ... Read more
When buying a car, financing is often necessary. But a bad credit rating can shatter the dream of owning a car. For this reason, many car buyers ask themselves which car bank will finance the dream car despite Schufa. There are several car banks that offer financing despite a negative Schufa under certain circumstances. Here are the Mazda ... Read more
Best Girokonto for youWhat you can learn hereBest Girokonto for youBest free GirokontoCriteria for Best free GirokontoBest Girokonto with highest bonusCriteria for Best free Girokonto with maximum bonusBest Girokonto for young people: trainees & studentsCriteria for Best young people accountBest Girokonto for travelers and holidaymakersCriteria for Best account for ... Read more
If you're wondering which bank you can open an online account with and you may have a negative Schufa entry or two, you've come to the right place. Here you will find my experiences and reviews of the 12 best online banks without a Schufa check. Summary: This post is almost 7500 words long, but it's actually ... Read more
"Small animals also make crap" - this sentence also applies to choosing the right current account. Small fees that are incurred regularly are often greatly underestimated. With a current account, for example, you can quickly add up to more than 100 euros in fees per year. Nevertheless, this amount - often because the effort for a change is avoided - often ... 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
The trainee salary is usually not sufficient for larger purchases. In this phase of life, however, there are often larger blocks of costs. If you move into your own apartment because of your job, you have to pay for moving and furnishing costs. If parents and relatives cannot help here, a loan for trainees can help. Getting this isn't always... Read more
"How much house can I afford?" Based on the net income, the table gives a rough indication of the amount up to which a property can be reasonably financed. As can be seen in the table, the real estate price is 100 times the monthly net income. How much house can I afford? The monthly net income multiplied by 110 gives the ... Read more
Sparda-Bank is part of the cash pool and cooperates with the banks from this association. Therefore, the question: "Which bank cooperates with the Sparda-Bank?" can be answered with the short answer "all cash pool banks". The cash pool is an association of various banks, which you as a Sparda-Bank customer can also use to withdraw money from ATMs. Read more
The price of silver is currently experiencing strong demand and, according to experts, will continue to rise in the future. Here are 12 facts that confirm it!
Deutsche Bank is part of the Cash Group and works together with the banks in this association. So the question: "Which bank works with Deutsche Bank?" can be answered with the short answer "all Cash Group banks". The Cash Group is an association of various banks which you as a Deutsche Bank customer can also use to withdraw money. Read more
The Klarna installment purchase does not work and it is unclear why? There are several reasons why the Klarna installment purchase may not work. In this article, I will tell you the 10 most common blockers of a Klarna installment purchase and show you solutions on how to make the Klarna installment payment work. I will explain solutions for: Whether ... Read more
Commerzbank is part of the Cash Group and cooperates with the banks in this group. Therefore, the question: "Which bank cooperates with Commerzbank?", can be answered with the short answer "all Cash-Group banks". The Cash-Group is an association of various banks, which you as a Commerzbank customer can also use to withdraw money from ATMs. Read more
Targobank is part of the cash pool and cooperates with the banks in this group. Thus, the question: "Which bank cooperates with Targobank?" can be answered with the short answer "all cash pool banks". The cash pool is an association of various banks that you, as a Targobank customer, can also use to withdraw money from ATMs. Read more
The Paypal installment payment does not work and it is unclear why? There are several reasons why the PayPal installment payment can not work. In this article I will tell you the 11 most common blockers of a PayPal installment payment and show you solutions how it still works with the PayPal installment payment. Common reasons why the PayPal installment payment does not work ... Read more
Buying on installments as a new customer despite Schufa is usually not possible at the mail order company directly. This we have in the article Where can I buy on installments despite negative SCHUFA? - 4 creative possibilities already noted. This is especially true for new customers. However, even as a new customer, you still have options to buy on installments despite Schufa. Allen ... Read more
Do you already know one of the simplest investment strategies? It is an ETF portfolio that you can easily create yourself in just a few steps. Stiftung Warentest calls it the slipper portfolio. Others speak of a broadly diversified passive investment strategy. The video summarizes the essential facts in just 3 minutes: Getting started: Portfolio selectionWhat you can learn here1 Getting started: ... 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
A call money account is suitable for flexible parking of money. Compared to a checking account, you are rewarded with an attractive interest rate. As a result, the savings multiply without further action. In order for this project to succeed, one thing is essential: the right call money account. You can find this in the daily allowance comparison. Here you will find overnight money from the most important providers in Germany and Europe... Read more
A robo advisor is suitable for people who want to invest their money cheaply with a minimal investment of time. The robo advisors in Germany offer their investment service for small minimum investments. In this guide you will learn what distinguishes a "robo", when a robo advisor is worthwhile for you and what you should look for in the robo advisor comparison and test... 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. If you buy a washing machine on installments despite Schufa entry, the financing will be easier for you. So you can afford a high-quality washing machine today, and do not have to wait for cheap ... 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
The purchase of TV sets is associated with high costs. By buying in installments, you can spread the cost of your new TV over several months. This way, you can afford a high-quality smart TV or a brilliantly sharp 4K TV today, and don't have to resort to low-quality TVs with blurry picture or poor sound. ... Read more
When does Sigma Kreditbank reject? In fact, Sigma Kreditbank refuses a large number of credit applications due to insufficient income and negative debt record. But there are countless more reasons for Sigma Kreditbank credit needs rejection. In this post, you'll find all the reasons why Sigma Kreditbank might reject your credit application. Summary of the ... Read more
Get an express loan in under an hour on your account What you can learn hereGet an express loan in under an hour on your accountLoan in 1 hour on the account without Schufa: Express loans up to € 3,000 make it possibleLoan in 1 hour on the account without Schufa - Instantly more financial freedom despite ... Read more
While in Germany the final withholding tax is smoothly deducted from interest income and dividends above the saver's lump sum and directly paid to the tax office, a complex maze of withholding taxes and double taxation agreements opens up for foreign investments. In 2023, Germany has concluded double taxation agreements (DTAs) with 95 countries. Unproblematic are dividend payments from countries without withholding tax such as Ireland, the United Kingdom, ... Read more
A loan for pensioners can make many wishes come true. In principle, pensioners can apply for a regular installment loan. For a loan as a pensioner, the principle is: the older you are, the more collateral is required. Collateral are, for example, guarantors or second applicants. If, in addition, the Schufa is without negative entries and the monthly income above ... Read more
Do you already know one of the simplest investment strategies? Stiftung Warentest calls it the slipper portfolio. Others speak of a broadly diversified passive investment strategy. This video summarizes the essential facts in just 3 minutes: Getting started: portfolio selectionWhat you can learn hereGetting started: portfolio selectionThe simple basic slipper portfolioPantoffel-Portfolio: What are the variants?What is the investment horizon for the slipper portfolio?What proportion ... Read more
The robo-advisor growney was founded in 2014 by Gerald Klein and has been active on the German market as a financial investment broker since 2016. The Berlin-Wedding-based company relies on a passive investment strategy with regular rebalancing. Read more about the superiority of passive investment strategies here The provider's five different portfolios are ETF-based and build on equities and ... Read more
Why you should think about tomorrow today and how you can protect yourself in the best possible way when it comes to retirement provision. I'll share my four tips for retirement planning. What mistakes are commonly made when planning retirement? The article also provides answers to this. A common misconception in our society is that many people believe for the... Read more
This article presents 6 ways how you can deposit money at ING. For smaller amounts, I recommend depositing at stores like DM, Rossmann and some others. For amounts above 1000 euros, the deposit at the travel bank is the least problematic. Bring your bank card and a proof of origin of the money. If you are in ... 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
By what percentage does the last monthly net income before retirement exceed the retirement pension? This figure is regularly recalculated by statisticians at the German Institute for Retirement Provision. The figure is also called the pension gap. Retirement income: 3-pillar modelWhat you can learn here1 Retirement income: 3-pillar model2 What income do I need in old age?3 Why is the pension gap growing in Germany?4 Pension gap ... Read more
Would you like to take out a 900 euro loan immediately? With a 900 euro instant loan, you get more financial leeway and can quickly bridge bottlenecks. In addition, 900 euros can also be helpful to fulfill a spontaneous wish. With a 900 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out an 800 euro loan immediately? With an 800 euro instant loan, you get more financial leeway and can quickly bridge bottlenecks. In addition, 800 euros can also be helpful to fulfill a spontaneous wish. With a 800 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 400 euro loan immediately? With a 400 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 400 euros can also be helpful to fulfill a spontaneous wish. With a 400 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Earning money is legally permitted for the first time at the age of 13 according to the Youth Protection Act and the Child Labor Protection Ordinance. At the age of 12 or younger, however, you are only allowed to do favors for parents, relatives and acquaintances to earn some extra money. So we'll show you the 13 best ways for 13-year-olds to supplement their pocket money after school or on weekends.... Read more
Car loans are usually cheaper than installment loans for free use. In the case of a car loan, the vehicle title serves as collateral for the loan. Banks honor this by offering borrowers more favorable interest rates, which can even come into the low-interest region of construction financing. In the car loan comparison, you can check available interest rates, and secure the interest rate online, if you are looking for a ... Read more
A look at marriage from a financial point of viewWhat you can learn hereA look at marriage from a financial point of viewIncome tax payable by unmarried couplesHow do joint children affect unmarried couplesFamily benefit equalization: no advantage in marriageDeducting childcare costs: no advantage in marriage, but...What about alimony payments for unmarried & married couplesHealth insurance and hospitalization: differences ... Read more
Would you like to earn your own money as a 12-year-old and are interested in possible job opportunities? Then you've come to the right place. Our article looks at the opportunities for earning money from the age of 12 and explains the legal framework in accordance with the Youth Protection Act and the Child Labor Protection Ordinance. This is because the Youth Protection Act in particular places a clear limit on earning money at the age of 12. In the ... 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
Find out in the following test report, which experiences I have made with the 1|2|3 Girokonto of Santander Bank. How reputable is the bank and what does it offer? The unique selling point of Santander Bank's 1|2|3 account is the multi-level bonus model, where you can receive up to €9 monthly, or €108 annually as an individual. If the ... Read more
In this article I describe my experiences with the provider VisualVest. VisualVest is a robo advisor founded in 2015 by the Union Investment Group. The company thus combines the speed and flexibility of a start-up with the expertise, security and financial strength of one of the leading fund companies in Germany. Founded in early 2015, VisualVest offers a fully automated... 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
Anyone looking for a way to invest their money often inevitably comes across the fixed-term deposit account. This is a classic that is offered by numerous banks and still offers extensive advantages. It is characteristic that it is unfortunately not possible to dispose of one's money spontaneously. But ... Read more
Apple Pay was launched in Germany on December 11, 2018, and will be accepted and used nationwide in 2022. In the United States, the contactless payment method with the iPhone and Apple Watch has been available since 2014. Since 2018, the payment service with NFC technology can also be used in this country. Konto-Kredit-Vergleich.de shows which banks offer the payment service ... Read more
There are many ways to earn money with your own car. You can use your car as advertising space, test workshops or earn money with car sharing, car pooling or with Uber with your car. In addition, owners of e-cars can use the GHG quota and sell pollution rights to companies to earn money with your e-car. ... Read more
At present, crises of international proportions are taking place all over the world. The effects can be seen in the currently very high inflation, which is reducing consumers' purchasing power and melting away assets. On top of that, it is to be expected that the government could soon take measures to decide whether to access the assets of citizens ... 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
On April 30, 2022, the cooperation between Telefónica (o2) and Comdirect Bank on o2 banking came to an end. With comdirect as a financially strong partner, things are looking up this time. Existing customers keep their account. Nothing will change in terms of account number and cards either. However, new customers can no longer open the o2 Girokonto. It is the account ... Read more
Commerzbank is part of the Cash Group and cooperates with the banks in this group. Therefore, the question: "Which bank cooperates with Commerzbank?", can be answered with the short answer "all Cash-Group banks". The Cash-Group is an association of various banks, which you as a Commerzbank customer can also use to withdraw money from ATMs. Read more
Find out here how you can smile and make big profits at eToro by cleverly avoiding these 5 Hidden Costs at eToro!
There is news at Konto-Kredit-Vergleich.de. The test winner accounts have been awarded! I have created 8 categories. There are the following categories: The best Girokonto for youWhat you can learn hereThe best Girokonto for youBest free GirokontoCriteria for the best free GirokontoBest Girokonto with highest bonusCriteria for the best free Girokonto with maximum bonusBest Girokonto for young ... Read more
Find here all the essential info on the topic P-Konto (Pfändungsschutzkonto) The Pfändungsschutzkonto in bullet pointsWhat you can learn hereThe Pfändungsschutzkonto in bullet pointsP-Konto open - Which bank is suitable for it?What is a P-Konto?How do I open a Pfändungsschutzkonto?What amounts can be protected on the PfändungsschutzkontoPfändungsfreibetrag 2022How can I protect other amounts from garnishment?How can I protect the P-Konto ... Read more
Would you like to take out a 2000 euro loan immediately? With a 2000 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 2000 euros can also be helpful to fulfill a spontaneous wish. With a 2000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Using the compound interest calculatorWhat you can learn hereUsing the compound interest calculatorThe compound interest calculator: How it worksEntering starting capital in the compound interest calculatorEntering monthly savings rate in the compound interest calculatorSetting an annual interest rate in the compound interest calculatorEntering the savings period in yearsThe compound interest calculator in useThe interest rateThe compound interest effectHow you can influence the compound interest effectTimeStarting or initial capitalInterest rateThe frequency of interest paymentThe ... Read more
In this article I will show you what you need to do if you want to have 200 euros on your account as quickly and cheaply as possible. In addition, this article shows where you can get the 200 Euro Kreddit without proof of income. For each of the three cases - that is, fast, cheap or without SCHUFA information - to get 200 euros take ... Read more
Mini-credit 100 euros: under 1 euro in interest and feesWhat you can learn hereMini-credit 100 euros: under 1 euro in interest and feesWhy you should choose one of these providers if you want a 100 euro instant loan100 euros borrow immediately to the account without Schufa: How to proceed100€ instant loan: Make the loan application in the morning for a same-day ... Read more
Apply for a student loan during your studies? - If BAföG is not enough and your parents cannot cover the costs, you have to find another source of money for your studies. In addition to a part-time job or a scholarship, a student loan is also a possibility. In contrast to an installment loan, the KFW student loan is paid out in monthly installments. And also the repayment ... Read more
The 1822direkt account in the Girokonto test. The account offers a high bonus, is without paperwork when opening but requires a minimum deposit of €700 (1822direkt) or €0.01 (1822 mobile). Overall, is it a recommendation? What kind of offer does 1822direkt provide?What you can learn here1 What kind of offer does 1822direkt provide?2 1822direkt is ... Read more
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.
Update: Since March 2023, a loan after residual debt discharge is within reach at many credit institutions. Since then, the Schufa deletes the note "granted discharge of residual debt" already 6 months after the discharge of debts has been granted. Before that, the deletion from Schufa only took place after 3 years. Other credit bureaus such as Crif or Creditreform delete the note after ... Read more
In this article, I explain whether Sigma Bank will grant you a loan despite residual debt discharge and how I arrive at my assessment. In the official credit requirements of the bank, you get only general information on the granting of credit such as "No current insolvency proceedings, no wage garnishment / assignment" and "No entry in the Central Enforcement Court". Why can one deduce ... Read more
Many people are looking for answers to the questions "Which bank gives credit if your credit rating is bad?", "Which bank gives credit despite negative credit bureau?" or "Which bank is the easiest to get a loan from?". In essence, it is always about getting a loan with a high acceptance rate if you have a bad credit rating and despite a negative entry! If the credit rating... Read more
The best way to find a reputable bank where you can really get a loan despite negative Schufa is to rely on data. As a loan comparison portal, Konto-Kredit-Vergleich.com has plenty of data from banks and loan providers of negative Schufa. While many providers rarely pay out a loan, our data shows crystal clear where you really get a loan despite negative Schufa.
Do you also belong to the group of people who were rejected by the house bank or a direct bank because of a Schufa entry? I know that this is frustrating and will help you in this article in your search by finding out which bank gives a loan despite negative SCHUFA. The recommended providers work without any upfront costs or other processing fees. ... Read more
To the offerer: Bon-Kredit.de Is Bon-Kredit a rip-off? Bon-Kredit is a reputable credit broker and as a Swiss provider has a good connection to Swiss loans without Schufa. However, the protection of the loan without a guarantee of credit are unserious and often does not serve the customer. In my opinion, an inquiry at Bon-Kredit is worthwhile but alone for comparison purposes. ... Read more
This article deals with the question of which investment strategy is more successful in the long term. Are actively or passively managed funds better? Beating the marketWhat you can learn hereBeating the marketThe SPIVA studyMain results of the SPIVA studyWhat does the evaluation look like with regard to the individual regions?Active risk management: Why is it so incredibly difficult to beat the market? Read more
The N26 Girokonto is an attractive offer for a free Girokonto. Just like the banks DKB*, ING* and comdirect*, the N26 account also comes with a free credit card*. In the review of the N26 account, I show what other advantages and disadvantages the account offers. Advantages of the N26 accountWhat you can learn here1 Advantages of the ... Read more
Since digitalization has made it possible for every adult to participate online and in real time on the virtual trading floor, Germans are shedding their shyness about securities trading. Some investors try to earn money trading assets alongside their actual bread and butter and after work. Many beginners have the desire to change careers and pursue the goal of ... Read more
Find out in the following test report what experiences we have had with the free current account from comdirect. How reputable is the bank and what does it offer? comdirect is the direct bank of Commerzbank. This makes it one of the largest direct banks in Germany and has another subsidiary, onvista Bank. With the current account of the Comdirect … Read more
