Private credit information is an important criterion for lending at German banks. A 3500 euro loan without Private credit is therefore not available at financial institutions with a place of business in Germany. For this credit option, consumers have to switch to other lenders. A loan without Private credit is only available from various credit agencies or directly from some foreign banks via the Internet. Clarification at http://metroresearch.org
3500 euro credit without Private credit – always foreign credit
Private credit Holding AG from Wiesbaden is the largest credit agency in Germany. She is a business partner for many telecommunication providers, trading companies and banks with a place of business in Germany. The credit bureau can provide its partners with more than 794 million individual data on about 67 million people.
Before it comes to a contract with a business partner of Private credit, therefore, the creditworthiness is almost always checked with a Private credit information. As lending is one of the most important lines of business for all banks, creditworthiness is of particular importance. The higher the Private credit score, the more likely it is that a loan will be approved.
A loan without information from Private credit is therefore not possible with German banks. If you want to apply for a 3500 Euro loan without Private credit you have to stick to reputable credit agencies. The application to a bank abroad, thanks to the Internet is already possible today.
Credit without Private credit – Swiss Credit
Many credit agencies advertise in journals and on the Internet with a loan without Private credit, which often includes the term Swiss credit. This term was formed because the loan option until a few years ago was offered exclusively by Swiss banks.
The 3500 euro loan without Private credit counted at that time the only available loan amount from Switzerland. Following a decision of the Federal Constitutional Court in 2009, Swiss banks were prohibited from concluding credit transactions with German citizens. Since then, Private credit-free loans have been offered by some banks in Luxembourg and Liechtenstein.
As these banks are usually very hard to find even on the internet, it often pays off to apply for a credit application. For applicants, it is particularly important to address their application for credit to a reputable company.
Private credit-free loans – credit intermediaries
As in almost every business sector, there are often companies in the credit industry who want to enrich the plight of loan seekers. These so-called black sheep among the credit agencies should be avoided.
Anyone who falls for a dubious credit brokerage has in many cases a lot of costs but no credit. Reputable credit agencies do not charge any fees in advance. An applicant who asks a reputable company for a € 3500 loan without Private credit will only pay a fee when a loan transaction is concluded.
There are no costs for contract delivery. The Private creditfreie credit must not be secured with a home savings or a property or personal insurance. Reputable lending agencies also have a long history of lending and consistently have good ratings from satisfied credit customers.
Credit without Private credit – apply online?
A few years ago, it was still possible for a credit intermediary to make a home visit to a consumer. These specially trained salespeople have in many cases offered additional products, such as insurance or home savings contracts.
Often the time was also charged for the consulting activity and the travel costs. Like many online and direct banks, reputable credit agencies now use the Internet to attract customers. If you want to apply for a 3500 Euro loan without Private credit simply look up the website of a well known credit agency. Maxcredit from Germany or Crediter from Switzerland are among the most well-known intermediaries with extensive market experience.
Both agents offer for the sum of 3500 euros also 5000 and 7500 euros without Private credit. Private credit-free loans are always tied to fixed loan amounts and fixed repayment periods. The interest rate for the APR is in the double-digit range due to the increased credit risk and the brokerage commission.
Private credit loans – Credit requirements
Since no Private credit information can be obtained, the credit intermediation must try to hedge the 3500 euro credit without Private credit by other means. This usually happens with higher credit requirements. These requirements include, for example, a permanent residence in Germany and an employment relationship outside the probationary period.
The net salary must be above the attachment exemption limit. The exemption limit in 2017 for singles without children is 1079.99 euros. Who wants to apply for a 3500 euro loan without Private credit Maxcredit, must earn at least 1150 euros net. Of course, the applicants must be over 18 years old.
Some credit agencies have set an age limit. Applicants who are unemployed, receive other social benefits or simply do not meet the credit requirements will not receive credit from the credit agencies without Private credit.
Apply directly for credit without Private credit
Until a few years ago, loans from foreign banks were available only through credit agencies. The internet has changed this fundamentally. Loans without Private credit can be requested directly from foreign banks. A good example of this is Soulcredit Bank AG from Liechtenstein.
This bank offers the 3500 Euro credit without Private credit directly on the Internet. Loan amounts of 5000 and 7500 euros are also available. The term is 40 months for all loan amounts. The annual percentage rate is slightly higher than 11 percent. The required application forms are available for download directly from the bank’s website.
After printing the application will be completed and sent to the bank by post. As with credit agencies, the bank’s debt-free credit is tied to high credit requirements. The advantage is that in a direct application, the agency fees are eliminated.
For a loan without Private credit consumers should always turn to a serious credit intermediation. A loan application to a bank abroad is also possible. Due to the increased credit risk, the 3500 euro loan without Private credit is always slightly more expensive than the normal installment loans of domestic banks.
In order for consumers to save on this loan variant, a comparison of the various credit providers is profitable. Instead of Private credit might be possible despite Private credit. Otherwise there is only the Liechtensteiner credit.