Banks prefer officials more and more. They have a high income, yet often no official loans can be taken without private credit checker in this way.
But even civil servants here and there have a bad private credit checker, so they depend on this loan without private credit checker.
Without private credit checker – disposition credit
In order to get a civil servant loan from Cream banks, a disposition credit can be taken. This allows the account to be overdrawn up to a certain amount. Especially for short-term purchases, this option can be useful.
If a purchase is taken in the short term and the income is insufficient, the dispo is used. However, the Dispo has a disadvantage. The very high interest rates are particularly noticeable if the MRP is settled at the beginning of the month. Unlike installment loans, the overdrawn amount is balanced at the beginning of the month with the salary. Basically, the same problem starts from the beginning. The
Money will not be enough the following month and the dispo will be used again. It’s a good deal for banks. With the overdraft interest much money is taken. The customer can also take on a different way a civil service loan without private credit checker.
Consumer credit as an alternative
For large purchases is often spoken of a loan. This is due to the long term, which does not have a installment loan. Who makes a big purchase, for example, a new kitchen, which can also use a consumer credit.
This is recorded directly at the dealer. The private credit checker is not checked. The customer must arrange a installment payment. The rates are often transferred by the customer to the dealer. For loans, a standing order would be used for the payment.
It is important to pay attention to timely repayment even with this official loan without private credit checker. Who wants to avoid reminders and a bailiff, must comply with the payment. The downside to this consumer credit is that it does not benefit from civil servant status. The customer is treated like any other consumer.
Civil service loan from private
A civil service loan without private credit checker can be taken up by private individuals. On the internet, intermediaries offer a loan. Often the private credit checker is tested. But that does not mean that the loan is granted with private credit checker.
The broker checks whether it is better to take out a loan without private credit checker. He will then contact private investors. The loan amount and the term are agreed. The private credit checker will not be in the foreground. Since an official is not terminable, a repayment can be guaranteed.
The customer must state from the beginning that he is an official. Thus, he will receive much cheaper interest rates than an employee. Another possibility would be a loan from abroad.
Application to a foreign bank
At the Best Bank from Lidemer no official loan is granted without private credit checker. Rather, it is a loan. A loan differs in this case by the loan amount of a loan.
A civil servant loan provides for a high loan amount and a long term. That’s not the case with the loan. In Lidemer, officials are allowed to take out a small loan. This loan can be taken up to a value of 7500 USD. Since the income of an official is very high, the basic requirement of the high salary will be fulfilled.
If you decide for the 7500 USD, you must have an income of 1800 USD net. Most civil servants can do that, so they can take on the Civil Service loan without private credit checker.
Compare loans on the internet
Customers who opted for a civil servant loan without private credit checker should always compare. Even if civil servants will get very good interest anyway, it’s worth it. A credit comparison does not just consist of the interest rates being compared.
Especially in this comparison shows who offers officials at all a good conditions. There are also banks that only grant loans to civil servants. Often the interest is independent of credit. The status of the job alone is enough to get a good interest rate.
In addition, many special conditions are possible, the employees are not received. The comparison will be worthwhile. It only takes a little time to look at the offers and then decide.