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Bringing up Private Credit Free Loan – No Problem – For Safe Repayers

Bringing up Private Credit Free Loan – No Problem – For Safe Repayers

 

 

Toarloan is awarded by credit agencies or banks from abroad only up to a maximum of 7500 euros. In many cases, the loan amount is insufficient for some purchases.

Even during the repayment period, further financial bottlenecks may arise. If you want to increase your credit without private credit, you often have to meet very high credit requirements with the lenders.

private credit credit – financial service with history

private credit credit - financial service with history

The private credit-free loan is a financial service that was set up around 30 years ago by Swiss banks. For this reason, in many places also the term Swiss credit is circulating.

Bringing private credit-free credit – no problem at the Soulcredit Bank

Following a ruling by the Federal Constitutional Court in 2009, Swiss banks were prohibited from offering this loan option in Germany. These loans are from banks in Liechtenstein these days.

Even with reputable credit agencies, this loan is offered. Applications are submitted to most lenders online or by mail.

Those who fulfill the credit requirements for a private credit-free loan receive either 3500, 5000 or 7500 euros. The interest rates for these loans are in the two-digit range for all providers.

The loan amounts and the repayment terms are fixed with the lenders and can not be negotiated. Serious providers do not incur any additional costs until the conclusion of a loan transaction.

If you want to increase a private credit-free loan, you must contact the same lender.

Bringing private credit-free credit – there are these opportunities

Bringing private credit-free credit - there are these opportunities

When it comes to increasing a loan, borrowers must always meet certain conditions. This is also the case with the loan without private credit.

If you want to increase a private credit-free loan, you usually have two options. If a borrower has taken out a loan for 3500 euros, the same loan amount can be raised again on demand and the loans can be combined.

However, it is necessary that the net income is correspondingly high. With this relatively high loan amount, the net income should be around 2000 euros.

The second option is handled slightly differently for some lenders. Consumers who have a current loan without private credit have to pay off a certain amount of time first.

With a loan amount of 5000 euros, an increase can only be made at 2000 euros. Anyone who has taken up a loan to 3500 can apply for an increase at 1500 euros.

The requirements vary from lender to lender.

Helping with credit without private credit- reputable credit agencies

Helping with credit without schafa- reputable credit agencies

If you want to increase a private credit-free loan, you must of course first apply for a loan without private credit. Consumers can turn to a serious loan brokerage for this loan option.

These credit agencies include, for example, Maxcredit from Speyer or Bon Kredit from Switzerland. For both credit agencies, the loan is available up to a loan of 7500 euros.

The respective credit conditions are to be met, which do not differ widely between the two credit agencies. The applicant must in any case be at least 18 years old, ie of legal age.

Another requirement is a permanent residence in the Federal Republic of Germany. In addition, the applicant must be employed in a permanent employment relationship.

Anyone who is still in the probationary period or has a temporary employment contract is not accepted as a borrower. The net salary must be above the attachment exemption limit.

Bon Kredit has no age limit. Maxcredit accepts borrowers up to the age of 61.

Banks from abroad – private credit-free loans without agency fees

Banks from abroad - private credit-free loans without agency fees

Consumers now also have the option to apply for a non-scholarly loan directly from a bank abroad. The same loan amounts and similar credit terms are offered.

Also, the credit requirements are not very different from the requirements of the credit agencies. One advantage, however, is that there are no costs for the application and the placement fee is waived.

After all, this fee amounts to about 3 to 3.5 percent of the requested loan amount. The loan without private credit is available, for example, from Soulcredit Bank AG in Liechtenstein.

For the application, the bank provides three different application forms. After printing and filling in, the loan application will be sent to Liechtenstein by post.

Existing customers of the bank can increase their private credit-free credit. The increase is possible for the various loans from 2000, or 1500 € rest sum.

Credit without private credit – increase only after successful eradication

Credit without private credit - increase only after successful eradication

The loan without private credit is offered by many different credit agencies on the Internet. Consumers must pay attention to the seriousness of each lender before applying.

Meanwhile, it is also possible to take out a private credit-free loan directly abroad. Consumers can save on brokerage fees with these lenders.

If you want to increase a private credit-free loan, you need to contact your credit or bank abroad. An increase is often only possible if one third or half of the current loan has already been repaid.