Categories
Uncategorized

Credit during separation year

 

 

Are you currently looking for a loan during the separation year? Now you’re wondering if lending is going smoothly or is going to be problematic? Who is responsible for the loan and what should be targeted?

We support your project with information on credit requests during the separation period. Lending is unlikely to be as easy as it used to be as a couple. As the applicant, you are solely responsible for the loan. Find out how your credit can go forward and what pitfalls you can expect.

Credit during separation year – starting point

Credit during separation year - starting point

People living separated look for credit during the separation year for two main reasons. The partner who has moved out of the shared apartment must set up his household again. The partner who stayed in the former shared apartment wants to change things in order to feel good again. Both are also likely to need money for the divorce lawyer and court costs.

Overall, the starting point for lending is not necessarily inviting for lenders. Every divorce is very risky. Many rose warriors fight to the knife. Even the cat, which was unloved by both partners and closed years ago, can become the central point of a legal dispute. Attorney and court fees can plunge into high debt for years to come.

The repertoire of warfare extends to the destruction of one’s own financial existence in order not to pay maintenance. No credit institution can assess how the individual divorce case will develop or whether the rose warriors will reunite. The only sure thing about the credit during the separation year is that nothing is safe. This is exactly where the problem begins.

Credit security issues – regular bank credit

Credit security issues - regular bank credit

People looking for a loan in the present always see the Cream Bank as a “benefactor” for the low consumer interest rate. In principle, that’s true. Credit institutions offer loans like “sour beer” and even give out large, cheap loans. (Keyword real estate boom). However, once one looks at the profit prospects – per approved loan – the situation is anything but rosy.

There is not enough profit left to take real recognizable credit risks. Any possible write-down, due to too loose a loan, could have a noticeable impact on the balance sheet. This would not only risk loss for the bank, but also access to Cream Bank interest-free money. Offers for lending with higher risk, loans for the self-employed or people with higher debts have been on the decline for years.

Unfortunately, exactly in this spade the desire for a loan during the separation year counts. The credit institution must not assume that the lending will be secure, simply because of the process risk. Even the general refusal of credit, formulated in the application requirements, must be expected. Despite the separation, the couple is still married. Married persons, according to the application provisions of some providers, can only apply for credit together.

Escaping the credit crunch – regular credit

Escaping the credit crunch - regular credit

The best recommendation that anyone who has been divorced can do the divorce as peacefully as possible. Paying for a “dirty” divorce for years isn’t worth it. If there are signs of a peaceful divorce, even a potential lender may be more likely to find trust. The litigation values ​​are not so high, legal advice costs and court costs are cheaper.

With a home loan, a department store loan could be easier to approve than a regular bank separation year. In contrast to the house bank, the specialist financier does not know the problem. With regard to easy lending to promote sales, the credit check won’t go into great detail. A clean credit bureau and proof of income are usually sufficient.

If online credit is to be applied for in the separation year, it must be ensured that the credit bank does not provide for joint application for married couples. For regular direct bank loans, most credit institutions expect a net labor income above the attachability. Any child benefits, as well as other social benefits from the state, are not recognized as proof of income by most credit institutions. This income is automatically attachable.

Tip:

In the phase of financial uncertainty, the loan application with a guarantor or co-applicant could be helpful. The co-applicant’s good credit rating ensures that lending is not a financial adventure to lenders.

Loan in the year of separation – problem loan

Loan in the year of separation - problem loan

cream bank is an excellent contact point for consumer loans of all kinds. The credit brokerage portal enjoys an impeccable reputation and shows that credit brokerage can be successful at a serious level. cream bank arranges bank credit for the borrower free of charge via the connected extensive loan comparison. You can find loan offers that match every creditworthiness that can be approved via the credit comparison of cream bank.

For problem-laden credit during the separation year, private lender credit could be a solution. Private investors choose their lending with more gut feeling. Statistically, every second investor is already divorced and remembers how hard the separation year was financially. A certain “benevolence” of investors can therefore be assumed.

Nevertheless, in the case of loans from private investors, economic indicators also count towards lending. In addition to the neat, understandable explanation of how the loan should be repaid safely, it is advisable to activate the free certificates. A positive overall picture enables credit to be granted during the separation year even if banks have already rejected the request.

Categories
Uncategorized

Suitable loan for new teeth

A radiantly beautiful smile – who doesn’t want that? Unfortunately, perfect teeth are usually not given at home, so you have to ask the dentist to make the appropriate corrections and corrections so that not only the smile is perfect, but also the overall charisma is positive. But new teeth are expensive. And it is not unusual for a loan to be taken out for new teeth.

Which type of loan is suitable

Which type of loan is suitable

With a loan for new teeth, you should always opt for an installment loan. It adapts perfectly to the cost of the teeth and can be repaid in small, inexpensive installments. Some are also considering whether they can simply increase their disposition credit and use it. However, this step is only recommended if you only need a little additional money and you can pay back the borrowed money within a few weeks. Due to the very high interest rates on a disposition loan, the cost of the loan for new teeth would otherwise be far too high.

Where a loan can be taken out

Where a loan can be taken out

More and more consumers are the first to look for a suitable loan offer on the Internet. Here it is possible to compare all banks and their loans with each other. This also applies to the direct banks, which can only be reached via the World Wide Web and often offer very attractive interest rates on their loans. The best offer can be found with the help of a comparison that can be carried out conveniently from home and that will determine the ideal loan for new teeth within a few minutes.

On request, the loan application can then be made directly on the Internet, so that there is no need to make an appointment with the lending bank. Of course, it is also possible to take out the loan for the beautiful new teeth from any local bank. Which way you go, should always decide the interest and the cost of the loan.

Applying for loans through capital lender is easy. An online loan application is sufficient to address both banks and private investors at a serious level. Of course, the borrower decides who gets the loan.

If you find yourself saying, “I need money NOW!”, trust me. You’re not alone. If your bank account is empty and your credit cards are maxed out, what are you to do? The good news is, there are plenty of ways to get cash in your pocket in the next 24 hours. They may not all be glamorous, but you could rely on these methods in a pinch.

We are here to help. Let us hear from you in any financial needs.

Categories
Uncategorized

Fast loan payment | Apply loan in a very short time

It can take up to fourteen days for a loan to be applied for and paid out, with the review of the loan application taking up the longest time. Some financial institutions offer online credit transfer within a few days, so that the borrower has the desired amount quickly.

The immediate payment is clearly defined

The immediate payment is clearly defined

When a bank advertises a quick loan payment, it does not make a binding statement regarding the processing time of the loan. Only with instant credit is the generally accepted practice of paying off the desired loan within two bank working days. A prerequisite for a quick loan payment is that the borrower immediately submits all requested documents with the loan application and that lending is considered a standard case.

Which loan documents the bank requests depends on its lending guidelines and the desired loan amount; for small amounts, some institutes refrain from submitting the pay slip. Most credit applicants also associate the term instant payment with the term lightning loan, which is the case with many lenders.

An even faster loan disbursement than within two bank working days is hardly technically possible if the applicant is not already an existing customer, so that a new postident procedure is not necessary. An advertised immediate approval only means that an online assessment of the given data and a preliminary loan approval is made on the basis of this.

Does the accelerated loan payment cost additional money?

Does the <a href=accelerated loan payment cost additional money?” width=”640″ height=”426″ />

A fast loan payment is one of the additional services of a bank, for which the calculation of an appropriate interest premium is understandable. This can be met both with the increased default risk of the lender as a result of the simplified application review and with the fulfillment of a request expressly expressed by the customer.

Applying for an accelerated loan makes sense if the borrower actually needs the desired amount of money within a very short time, because he has to pay a planned purchase in cash. A careful comparison of the costs of different loan offers is also indispensable in this case. It is not uncommon for an advertised quick loan payment to signal a prospect to consider the respective offer as outstanding and to forego an interest comparison.

Need money? 

The good news is, there are plenty of ways to get cash in your pocket in the next 24 hours. They may not all be glamorous, but you could rely on these methods in a pinch.

We are here to help. Let us hear from you in any financial needs.

Categories
Uncategorized

Public Employee Financing: What Changes? – Low interest

 

Public servants have job stability and ease in proving income. These characteristics are the dream of financial consumption: they guarantee that the credit granted will be paid on time, with no unforeseen in the income. In this way, workers of the Federal, State or Municipal public sphere count on numerous advantages in obtaining a financing.

The benefits for public employees are possible for real estate financing. Considering that the modality is preferred by Brazilians, the advantages are the greater ease of credit approval, lower interest rates, higher payment terms and lower entry values.

Who are the donors?

 

Who are the donors?

 

All banks offer real estate financing, and most have special conditions for civil servants. In order for you to know the most advantageous, we have listed five financials. Check out!

 

Federal Savings Bank

 

Federal Savings Bank

Civil servants have access to lower interest rates than those offered to Caixa’s other customers. The percentage of the value of the property is also higher: for new properties, up to 90% of the cost can enter the installment, while for used, the rate is 80%. For other consumers, the percentages are 70%.

The simulation of costs and installments can be made by Caixa’s website, and confirmed by attendance at an agency. With proof of data, the bank will offer differentiated interest rates.

Only real estate within the Financial System of Housing (SFH) enter into the possibility of financing.

 

Bank of Brazil

Bank of Brazil

 

BB’s special line allows public servants of companies that are contracted to the bank to finance up to 80% of the total value of the property. The consumer can be an accountant of the institution, and will have his interest rate calculated according to his monthly income.

Servers who can prove more stable income usually win more interesting conditions.

 

The advantages to the servers in Santander are in the possibility of negotiating the terms of payment, in addition to lower interest rates.

As with other banks, it is interesting to go to the agency for a full simulation.

 

The percentage of the interest rate in Bradesco varies according to the server’s public service category (municipal, state or federal). The terms of payment are also differentiated, defined after the analysis of the conditions of the candidate for funding.

 

The alternative financing to public servants at Daycoval is recorded. Lower interest rates and longer payment terms are attractive, and benefits are directly discounted on the employee’s payroll, whether it is municipal, state, or federal.

Important Tips!

Important Tips!

 

Check out these tips that the Low Interest has separated for you and do not miss the time to finance your property.

Know the financing lines

Know the financing lines

 

Real estate financed by public servants can cost up to R $ 950 thousand in the Housing Finance System.

The credit possibilities offered to public servants are not different from those offered to the general population. Thus, real estate financed through the Housing Finance System can be estimated at up to R $ 950 thousand (in Minas Gerais, São Paulo, Rio de Janeiro and Distrito Federal), or R $ 800 thousand in the rest of Brazil. In this possibility, the use of the Buyer’s FGTS is only allowed when the resources correspond to at least 10% of the total value of the property.

As for the properties of the Financial Real Estate System (SFI), there is no maximum value for the purchase of the property, but neither the FGTS nor amounts of the Savings can be used.

There will be credit analysis

There will be credit analysis

 

Even if you have greater security of payment of the financing installments, the bank seeks to be sure of its credit capacity. For this, he will use the consultation in systems such as the Centralization of Banking Services (Serasa) and Credit Protection Service (SPC). If your name is “dirty”, it is interesting to seek to regularize the problem before requesting funding.

In order to apply for the loan, it is also essential to choose the amount that the consumer can afford. Only 30% of the monthly income of the consumer can be compromised with the payment of the installments.

Choose regular property

Choose regular property

Before approving the financing, the bank will make a physical inspection of the property, verifying its housing conditions. The financial will also analyze the regularity of the property documents, such as Habite-se and deed. The ideal is to choose property that has no pending in these issues, or the credit may not be approved.

Look for housing programs

Look for housing programs

Federal and State Governments promote affordable housing programs that guarantee access to housing. Many of them bring even more interesting conditions to public servants. Knowing and analyzing the possibilities can bring savings and speed in the financing process.

Maintain good relationship with the bank

Maintain good relationship with the bank

It is not necessary to open an account at the bank where funding is sought, but the possibility can be useful. This is because the bank will already have knowledge of their income and financial movements, generating confidence in offering credit.

Maintaining open channel of communication with the manager is also essential, cherishing negotiation and conversation when in doubt. Thus, problems will be avoided.

Read the agreement carefully

 

Before accepting an agreement, read the contract details and be sure to understand it. It will list your rights and duties as financed, fees, fines and other charges.

Compulsory insurance will be requested

 

Housing insurance has compulsory hiring regardless of the financing. Values ​​are diluted in monthly installments.

For all financing, the financial institution requests the adhesion to Housing Insurance. The resource brings guarantees to the buyer of possession, and to the bank, offering coverage of three situations: death, permanent disability and physical damage to the property.

The insurance is demanded so that, even with any unforeseen, the financial receives the values ​​referring to the credit that granted. In the same way, the resident is protected from damage to the property caused by natural disasters, and can reform the space if necessary.

Knowing the financing lines and following these tips, you, civil servant, only have to win!

Was this text helpful? Share it with your friends and help them decide the best home financing dream option!

 

Categories
Uncategorized

Loans for Public Employees – The Payday Loan for Me

 

Public employees can apply for loans directly to the INPS employee management section, this is the new name of the former INPDAP since 2012.

 

The new INPS section allows public workers, public pensioners and their families to obtain low-interest loans, and therefore at cheaper conditions than the market. First of all, we point out that there are two types of INPDAP loans for public employees: one provided directly by the INPS section for which it is responsible and one provided by the institutions (banks and financial institutions) that are in agreement with the INPDAP.

Loans for public employees that are paid directly by INPDAP are subject to the limitations of the Credit Fund, and therefore can be paid only on the basis of the limits of the annual fund which can change from time to time. Once the availability of the credit fund is over, the institution no longer provides loans.

The INPS loans are reserved for public employees, therefore for public and retired workers who are in writing at the INPS Public Employees Management, those registered with the Magistral Assistance Management (formerly ENAM) and employees of Poste Italiane SPA Group companies.

The INPS loan for public employees is at a subsidized rate, and is paid in the form of salary-backed loans in the case of employees, of a pension in the case of pensioners.

As per name, therefore, the salary installment cannot exceed 20% of the net salary.

 

Let’s see the main types of INPS loans for public employees:

 

Let

 

  • Small Loan . This is an INPS loan for short-term public employees, from one to four years maximum, issued directly by INPS and open to public employees. The loan is not finalized, the TAN varies from year to year and the monthly payment is constant. You must also pay the risk fund premium and the 0.50% administrative fee. The amount is calculated based on your monthly salary, following the fifth assignment rule.
  • Direct Multi-year Loan . It is an INPS loan for public employees that is directly paid by the INPS only to those who have a permanent or fixed-term contract of at least three years. This is a finalized loan, so its purpose must be declared. The interest rate for 2017 is 3.50%.
  • Guaranteed Multi-year Loan . This is an INPS loan for five-year or ten-year public employees that is provided by banks that have an agreement with the INPS and is made by means of a salary-backed one. The interest rate varies depending on the credit institution that is taken into consideration.

 

Categories
Uncategorized

Digital Debt Calculator – Improve Your Financial Health

 

 

Practical and free, the tool allows the user to calculate the total amount to be paid on various types of debts.

Geru, online loan platform, has just launched its Digital Debt Calculator!

This calculator is service that provides in a fast, practical and totally free way, the total amount to be paid in any debt! Be it a credit card debt, overdraft, bank loan, vehicle financing and family loan …

To calculate the values, a few clicks are enough, with no need to register.

The user must provide his monthly income, type of debt, the amount he owes, how many installments he intends to pay, and the interest rate charged if he knows.

If the consumer does not know the rate, the calculator will use the average for that modality, reported by the Central Bank.

In addition, more than one debt can be added to the calculation. Thus, the policyholder can have a general visibility of the degree of their indebtedness compared to their income.

Recalling that personal finance experts recommend that debts commit a maximum of 30% of each individual ‘s income . So this is an opportunity to rethink some spending that goes beyond the financial capacity of the borrower that can lead to over-indebtedness.

“The purpose of the calculator is to assist in the financial organization of the population, so we believe that access to this type of information is extremely important for the consumer of credit, and Geru works with transparency so that, before taking a loan in the platform, the borrower is aware of the rates, term and installments that will be practiced until the end of the debt, “explains Sandro Reiss, Founder and CEO of Geru.

Finally, the platform still presents a comparison. It shows the amount and interest rate that the borrower is currently paying with what they would pay if they took out a loan at Geru.

To do this, fintech uses the average rate it usually uses, setting a scenario of refinancing these debts.

 

To do this, fintech uses the average rate it usually uses, setting a scenario of refinancing these debts.

 

The initiative aims to raise public awareness about the health of their personal finances and high interest rates in the Brazilian credit market. In addition, it offers the consumer the possibility of taking credit at cheaper interest rates through an online loan platform, an alternative that until recently was far from the reality of many Brazilians.

 

If you want to know more about Geru just click here and check the post we made on them!

We also did a post with the highest interest in Brazil! Click here to check out and see how these fintechs can even offer very low interest rates!

Finally, be sure to check these texts and test Geru’s own calculator! She is much more interesting in practice!

To the next!

 

Categories
Uncategorized

Bank installment loan

An installment credit leaves no open points. It is repaid in constant monthly installments (installments) at a pre- determined fixed interest rate. But no requests. This means that the tranches to be paid are already fixed at the conclusion of the installment credit. Everything is clear from the outset: The installment purchase allows you to realize your personal ideas, even if your current account does not make up the entire purchase price.

You can repay the loan amount in predictable monthly installments using the installment payment on a installment loan.

Installment credits of Swak Bank

Installment credits of Swak Bank

As one of the largest banks in the world, the Swak Bank has many years of experience in the direct granting of installment loans and the financing of private clients. The objective since the company was founded in 1959 has always been to put the consumer in the foreground and to dispense with an expensive branch network. With Swak Bank, you do not have to wait long for a loan decision and you can get along with advantageous interest rates throughout the term.

Check your credit obligation with Swak Bank now! Further details: Prerequisites: regular income (worker, employee, civil servant), retirement pension or similar from a loan amount of 10,000 euros: Information according to 6a PAngV: Representative example: With a net loan amount of 10,000.00 and a term of 60 days, two thirds of all customers and clients with an annual interest rate of 3.19% (59 monthly installments of $ 180.40 each, 1 closing rate of $ 174.36 each, fixed lending rate: 3.14% pa, interest amount: $ 817.96, total: $ 10,817, 96?).

Under the condition of the creditworthiness a takeover bid of the south west bank loan financing company mbH, at the Okma count 52, 55411 Baden Rhine.

attributes

attributes

Swak stands for “Star Western Alpha Kred” and thus also for the peculiarity of the money house: installment loans. The savings box from the Rhenish town as a representative interest profile shows an annual interest rate of 3.19 percentage points, with a maturity of 60 calendar months and a net loan amount of 10,000 EUR. This is the so-called two-thirds interest rate, ie the interest rate, which is also granted to two-thirds of all consumers.

The minimum loan amount is 2,500 EUR; the Swak Bank grants loans up to 50,000 EUR. The period is variably adjustable between 24 and 84 months. However, those who want to repay the loan completely pay an early repayment fee. You are legally limited to one percentage point of the loan amount, with a remaining term of less than a year, it is only 0.5 percentage points of the loan amount.

The interest rate of two-thirds is far below the market average at the time of analysis. Freelancers and entrepreneurs receive no loan from Swak Bank. In other words, consumers with low credit ratings are far away from the shop window interest rate of 1.90 percentage points per year. The installment loan of Swak-Bank is a recommendable option.

Categories
Uncategorized

Public Employee Financing: What Changes? – Low interest

 

Public servants have job stability and ease in proving income. These characteristics are the dream of financial consumption: they guarantee that the credit granted will be paid on time, with no unforeseen in the income. In this way, workers of the Federal, State or Municipal public sphere count on numerous advantages in obtaining a financing.

The benefits for public employees are possible for real estate financing. Considering that the modality is preferred by Brazilians, the advantages are the greater ease of credit approval, lower interest rates, higher payment terms and lower entry values.

Who are the donors?

 

Who are the donors?

 

All banks offer real estate financing, and most have special conditions for civil servants. In order for you to know the most advantageous, we have listed five financials. Check out!

 

Federal Savings Bank

 

Federal Savings Bank

Civil servants have access to lower interest rates than those offered to Caixa’s other customers. The percentage of the value of the property is also higher: for new properties, up to 90% of the cost can enter the installment, while for used, the rate is 80%. For other consumers, the percentages are 70%.

The simulation of costs and installments can be made by Caixa’s website, and confirmed by attendance at an agency. With proof of data, the bank will offer differentiated interest rates.

Only real estate within the Financial System of Housing (SFH) enter into the possibility of financing.

Bank of Brazil

 

BB’s special line allows public servants of companies that are contracted to the bank to finance up to 80% of the total value of the property. The consumer can be an accountant of the institution, and will have his interest rate calculated according to his monthly income.

Servers who can prove more stable income usually win more interesting conditions.

Santander

The advantages to the servers in Santander are in the possibility of negotiating the terms of payment, in addition to lower interest rates.

As with other banks, it is interesting to go to the agency for a full simulation.

Bradesco

 

Bradesco

The percentage of the interest rate in Bradesco varies according to the server’s public service category (municipal, state or federal). The terms of payment are also differentiated, defined after the analysis of the conditions of the candidate for funding.

 

Daycoval Bank

 

The alternative financing to public servants at Daycoval is recorded. Lower interest rates and longer payment terms are attractive, and benefits are directly discounted on the employee’s payroll, whether it is municipal, state, or federal.

 

Important Tips!

Important Tips!

Check out these tips that the Low Interest has separated for you and do not miss the time to finance your property.

Know the financing lines

 

Real estate financed by public servants can cost up to R $ 950 thousand in the Housing Finance System.

The credit possibilities offered to public servants are not different from those offered to the general population. Thus, real estate financed through the Housing Finance System can be estimated at up to R $ 950 thousand (in Minas Gerais, São Paulo, Rio de Janeiro and Distrito Federal), or R $ 800 thousand in the rest of Brazil. In this possibility, the use of the Buyer’s FGTS is only allowed when the resources correspond to at least 10% of the total value of the property.

Simulate a Low Interest Loan!

Compare rates for more than 20 banks for your loan. Escape high interest rates and get the loan with the best rate for you!

 

As for the properties of the Financial Real Estate System (SFI), there is no maximum value for the purchase of the property, but neither the FGTS nor amounts of the Savings can be used.

There will be credit analysis

 

Even if you have greater security of payment of the financing installments, the bank seeks to be sure of its credit capacity. For this, he will use the consultation in systems such as the Centralization of Banking Services (Serasa) and Credit Protection Service (SPC). If your name is “dirty”, it is interesting to seek to regularize the problem before requesting funding.

In order to apply for the loan, it is also essential to choose the amount that the consumer can afford. Only 30% of the monthly income of the consumer can be compromised with the payment of the installments.

Choose regular property

 

Before approving the financing, the bank will make a physical inspection of the property, verifying its housing conditions. The financial will also analyze the regularity of the property documents, such as Habite-se and deed. The ideal is to choose property that has no pending in these issues, or the credit may not be approved.

Look for housing programs

Look for housing programs

 

Federal and State Governments promote affordable housing programs that guarantee access to housing. Many of them bring even more interesting conditions to public servants. Knowing and analyzing the possibilities can bring savings and speed in the financing process.

 

Maintain good relationship with the bank

 

Maintain good relationship with the bank

 

It is not necessary to open an account at the bank where funding is sought, but the possibility can be useful. This is because the bank will already have knowledge of their income and financial movements, generating confidence in offering credit.

Maintaining open channel of communication with the manager is also essential, cherishing negotiation and conversation when in doubt. Thus, problems will be avoided.

Read the agreement carefully

Compulsory insurance will be requested

 

Before accepting an agreement, read the contract details and be sure to understand it. It will list your rights and duties as financed, fees, fines and other charges.

Compulsory insurance will be requested

 

Housing insurance has compulsory hiring regardless of the financing. Values ​​are diluted in monthly installments.

For all financing, the financial institution requests the adhesion to Housing Insurance. The resource brings guarantees to the buyer of possession, and to the bank, offering coverage of three situations: death, permanent disability and physical damage to the property.

The insurance is demanded so that, even with any unforeseen, the financial receives the values ​​referring to the credit that granted. In the same way, the resident is protected from damage to the property caused by natural disasters, and can reform the space if necessary.

Knowing the financing lines and following these tips, you, civil servant, only have to win!

Was this text helpful? Share it with your friends and help them decide the best home financing dream option!

 

Categories
Uncategorized

New Real Estate Finance Trends 2014 – Financial Partner Blog

75% of those surveyed (owner-occupiers and investors) regard the interest rate level in the first half of 2014 as very favorable to favorable and expect significant price increases in the medium term. The demand for long-term financing concepts that offer both interest rate security and repayment flexibility has increased significantly .

Since the financial crisis , there has been a clear loss of confidence in the banks , the traditional commitment to the so-called house bank has fallen sharply. Customers are becoming increasingly enlightened and informed. They are looking for independent , free and consumer-oriented advice and not selling bank products. For more than 50% of interested parties, the independent financial partner of their trust is the first point of contact for mortgage lending advice . About 1/3 of the respondents rely exclusively on their expertise and independent market comparison.

Funding and public funds are still the most requested topic in customer talks. Almost 90% of consultations put this issue first, followed by questions about long-term interest rate security , preferably over the entire life of the loan . The consultations analyzed by the experts show that in almost 95% of self-financing home ownership, it is possible to involve public funds.

A result of the “Baufi checks” of existing contracts: only 20% of the loan repayments with a special repayment option actually made special repayments . The Council of Experts , rather from the beginning choose a flexible financing , with the possibility of amortization . Reality shows that once funding runs for years, a special repayment is less appealing than a new car or vacation.

 

The customer remains the focus

 

The customer remains the focus

Another interesting result from the analysis of the contact with TGI financial partners : almost 50% of new inquiries for private real estate financing are based on customer recommendations . More than 95% of the interested parties would recommend TGI financial partners. For the financial experts of TGI Finanzpartner, this is an obligation to continue placing the customer’s interests at the center of the corporate philosophy in the long term and to meet the trust of the customers.