Alternative to the credit and money supply – the decision for a loan should be well planned however should here be mentioned, that many offers for loans sound almost too tempting. At the present time no one has to give something away and unfortunately many black sheep who want to profit even with the misery of other people can romp about in the net. A serious financial services takes a fee only after a successful completion. No credit contract is concluded, the request is free of charge. Unfortunately, there are providers that don’t handle it. Often these fees from their customers first, regardless of whether or not a credit agreement was. Is the credit request is declined, the customer does not receive back the money. You can see it a reputable provider that offer extra mentions that only charges apply, if a credit agreement was actually completed.

There are reputable banks or financial institutions which are active for several decades in this business and is already This acquired a good reputation. Consumer centres can be but also advising. A further downside is that consumers with credit uberschulden is often. Especially in times of high unemployment the preservation is by no means certain workplace. What happens to the due rates, if the content stays out and the person concerned must now households by the significantly lower unemployment. Not to mention of Hartz IV.

Therefore should be considered before thoroughly, whether a credit is as absolutely necessary. Because the consequences of a loan by the Bank can be far-reaching. Ranging an affidavit from salary garnishment or wage garnishment. And that means usually the financial sidelines for those affected. There are professional groups, where a looming unemployment is almost impossible. For example, civil servants or public employees belong to this professional group. Since this work is crisis-proof, you are as a target group for loans like banks or financial service providers preferred. The loss for the banks but very low here. Therefore you can find special offers for this profession, which is noticeable by a lower interest rate, for example often. Basic should assume the consumer however, that even when the banks the money not more as loose as it was a few years ago. Loans are rarely granted. The amount of the salary or other monthly money input is crucial. This income below the value prescribed by the banks, is the customer receives no matter if positive or negative phases the Schufa information no credit. And unemployment and Hartz IV recipients anyway no credit, although this target group just so desperately needs money. Oliver Krumes