effiCity / Getting the best mortgage. Reason # 173; requirement # 173; requirement for every loan # 173; commitment is that the borrower is fully legal and fully legal and business # 173; f # 228 ; hig is. You are more likely to obtain credit through both platforms than by applying for credit from a bank, especially if you do not yet have AAA creditworthiness. effiCity is a new generation service platform allowing freelancers to set up their real estate business. He needs a fixed monthly income, i.e. a salary or a pension. In general, a private person does not finance the credit alone, but several investors contribute to a "credit project" and share the risks (insolvency of the debtor) and interest (profit).

Find out more. The bank needs to see that the monthly income is higher than the expenditure. This is an ingenious form of independent bank financing! Only then does it assume that you will be able to cope with the monthly installment. Monday to Friday 9 a.m. to 6 p.m. Here are the two Internet addresses: Some banks do not use actual values ​​for spending, but rather empirical values. Price of a local call.

3. effiCity SA RCS Paris 497 617 746 – Holder of the Professional Card CPI 7501 2015 000 002 025 CCI Paris IDF – Financial Guarantee Fund of 500,000 euros insured by GALIAN Assurances (89 rue de la Boétie 75008 Paris) effiCity is a registered trademark. effiCity © Copyright 2006-2021, all rights reserved. We realized that when we joined # 252; Over 20 banks have clicked through the pages of applications for # 252; for online # 173; loans. Financial intermediary. Banks often do not ask customers’ expenses individually, but only how many people belong to a household and how many people contribute to the household’s income. In the case of a financial intermediary, you must also provide the same civil status and financial situation as the bank. Get a mortgage at the best rates. From this they calculate a flat rate.

Advantage of the financial intermediary: based on their experience, they select the best bank for your loan application by finding out about the best credit offer from several banks. Getting credit at the best mortgage rate can be more difficult than simply finding a loan offer or a mortgage. Some banks such as the DKB and the SKG Bank have an instant credit on offer, for which they look directly at the sales of the current account – of course, only if the borrower agrees. The following video explains how “Bon-Kredit” works. Indeed, if the offers are multiplying on the online loan comparisons.

Otherwise only the house bank can work when their own customers apply for a loan. Bon-Kredit has been established for many years as an online financial intermediary in Germany. They vary depending on the interest rate they charge. Right # 173; reason # 173; situation for this account # 173; insight is the European payment # 173; services directive # 173; line (PSD2). Compared to German banks, Bon-Kredit works with foreign banks which grant loans in Germany.

To ensure that your monthly payments are as low as possible, it is therefore essential to seek the credit offer that offers the most advantageous loan rate. Tip: If your online loan application is rejected, but you are of the opinion that you can afford the loan, loan with bad credit seek a conversation with a customer advisor and 228; Utilize your income and expenses. This is the reason why Bon-Kredit can also offer independent credits from the German Schufa. How to do it ? For example, are you expecting a severance payment, the payment of a savings plan or life insurance? In the case of an independent credit from Schufa, the creditworthiness of the customer is examined, but not by Schufa. Present an impeccable file for a mortgage loan: prepare your profile. In addition, a loan from a foreign bank that does not cooperate with Schufa does not appear in its information files.

In any case, stay away from "Schufa-free" loans for which the lender does not ask the Schufa credit agency. If the mortgage loan rates are around 3.24% to 3.92% for a loan period of 15 to 20 years, it is still possible to find credit organizations that offer lower rates. . What is the German Schufa? Providers of these loans know that usually only customers come who have successfully applied for a loan elsewhere. Some borrowers can get more affordable rates if they have a good profile. At the Schufa, we register credits, credit cards and current accounts.

Such a contract often has significantly higher interest rates, because these banks – due to their clientele – have a greater risk of default. Do not forget to also inquire about the notary fees. They compensate for that # 252; above interest. The Schufa is a credit rating agency, with which most German residents are registered.

When building your profile, remember that what matters to the bank is whether or not you are lending money with too much risk. Before each opening of a current account and each granting of credit, German banks examine the customer using their data from Schufa.