Interesting Alternative

How micro-credit by private even if interest rates are currently as low as never before, it is still difficult to get a cheap loan, if it has insufficient collateral. Without regular income or sufficient other values such as life insurance, real estate and various securities, most banks give no credit, not even for small sums of money. Even if the interest rates on personal loans are usually higher, this option may still be worth it. Because who needs only a small amount of money and quickly want to pay them back, on this wise financial flexibility. The comparatively high interest rates into perspective with the small runtime. There are various Internet platforms on which individuals lend. Smava work and before you opt for a personal loan, you should explore of course all other options Auxmoney. An objective comparison of credit (E.g.

here) provides an initial overview of the market interest rates. For personal loans There is in Germany two platform that are recommended by Stiftung Warentest: Smava and Auxmoney. Before you can contact the private funders in contact, must register but at the Agency. Before the actual loan application, the provider checks your credit rating. Questions about assets must be answered here carefully.

Of course the SCHUFA belongs to the credit check request, without which you can get from private no credit. A loan request may be made after a positive creditworthiness check. To do this you should set out as detailed and plausible, what the money is for. Consumer credit will be rejected more often, private money lenders are more willing to finance useful published purchases such as for example a company car as a holiday trip. Then, you specify also the maximum interest rate they are willing to pay. More donors are interested in your application, the likelihood is greater that a comparatively get cheap offer. The credit is comprised usually of several instalments. Many private lenders together pay it so this whole. The personal loan a risk premium can be payable in most cases require a risk premium over the possible loan losses should be compensated the agencies in addition to the interest. This aspect is also interesting for private investors who lends money to individuals about Smava and Auxmoney, enters a low risk, because the agencies loan losses offset? The yields are not interesting, by the way, they are above market interest rates on savings. How much is the credit? Although interest rates above the Smava and Auxmoney agencies can be set in the principle itself, but the chances of getting a loan are in fact low, when to choose the maximum interest rate too low. Only if is worth the investment for the donors, is also investing. So it is one of the disadvantages of personal loans, that the interest normally exceed the level of the Bank. On average paying 10% at the two major agencies around. In some cases, it can come but at interest rates of up to 16%. For this reason, the personal loan is an option especially if quick and easy money is required and the banks deny a loan. Pay attention to possible short term, then the higher interest rates are more bearable.

Consulting GmbH

In Germany approximately two billion euros available estimated lease payments. Vineyard 21.08.2012. The repeatedly described rent nomads are only the tip of the iceberg. Rather, there are the typical vicissitudes of life, which no longer allow some tenants to comply with its obligations. Involves only a liquidity squeeze, perhaps the time is bridge”.

Often the personal circumstances of the tenant but are against it, that he can still pay accrued rental and associated costs. Often the apartment can be used to extract or even clearance no longer in a State of restored lettable. We thought this made us, regarded the existing market offerings and derived a policy very early sets”, explains Klaus Stehle, at the Valdez group responsible for beSURE landlord protection. Because the German favourite retirement in the monetary field is often leveraged. It comes to write-downs, this will quickly also Influence on the personal liquidity situation of the lessor. beSURE does, if the tenant can no longer afford or wants to. The claims are assigned there.

As soon as the lessor has knowledge of the occurrence of the insurance case, so the absence of rent and reports this, we make”, explains Sanford and supplements: exactly here lies the advantage of beSURE. When the offers so far available on the market, the landlord had to go through much trouble, remind the tenant and cancel and last but not least come with a significant excess in advance. This is no longer necessary with beSURE.” The comfort fare are insured up to six months loss of rent as well as a possibly damage, for example, for renovation, for up to 20,000 euros. A telephone legal advice is also included in the tariff, because often owners do not know how they should behave correctly. In a typical income of 700 euros a month, only 28 euros would be monthly due for this tariff. As insurers and risk carrier This occurs the DFV German family insurance AG. The company can point to a number of awards for its customer-friendly offerings. Volz broker Consulting GmbH is representative of the DFV German family insurance AG. The leader in terms of service for insurance and financial services company takes over the processing and administration of contracts and sales control in the context of data processing. Volz is ISO 9001 certified and serves approximately 2 million contracts. With beSURE we are addressing in particular developers, property managers and investment companies in the real estate sales in addition to the private owners. A large chunk of income security offers beSURE just for investors, so the real estate really brings the assets increase as landlord imagine it”, as Klaus Stehle.