Why choose € 63000 loan
Anyone planning to buy household goods, rescheduling or paying bills, chooses a € 63000 loan.
As the market for loans is very volatile, the chances of low interest rates are very good. A credit comparison can help the consumer to get a cheap loan 63000 euros.
Positive credit decision – requirements
In order to receive a positive credit decision, consumers must be able to meet the bank’s requirements. The applicant for a 63000 euro loan must be at least 18 years old. Upwards, age also plays a role.
Thus, the loan can often not be taken up 63,000 euros, when the age of 65 years has been reached. As with any loan, even with a € 63000 loan, it is important for the creditworthiness to be repaid.
In addition to the credit bureau, the salary entries are also checked. The customer must be able to prove to the bank that he has a permanent employment. The gearing of a loan of 63000 euros plays a big role, whether the loan is ever awarded.
If the debt is too high, the loan should be included as a debt rescheduling loan. Anyone who already has high debts should not frivolously take out a loan that they can not repay.
Use credit cancellation
The € 63000 loan can serve as a loan repayment. This will be an advantage if you have an old loan with high interest rates. Lower interest rates can save the customer a lot of money with a loan repayment.
There does not always have to be a bank transfer for the loan repayment. The client should check with the bank where the old loan was taken. Sometimes banks charge a fee for getting a loan. Thus, it must first be checked whether a change to a loan worth 63,000 euros.
Particular attention should be paid to the terms of the loan and the interest agreement. Interest rates should be closely monitored. The low interest rates should be exploited with a 63000 euro loan.
If an old contract had a fixed interest rate, which now ends, is also worth a loan repayment. The bank is required to inform the customer three months in advance. The lender must state at what interest he wishes to offer the follow-up offer.
Credit comparison – pay attention:
In a credit comparison, the customer should not only pay attention to the interest. Further details such as special conditions should be considered in a comparison.
At creditend the customer can get a 63000 Euro credit from bank. The monthly rate of 635.42 euros results from an interest starting from 3.99 per cent. The customer can choose from this offer a term of 120 months, which corresponds to ten years.
The official bank is also listed on creditend. Here only selected customers can borrow a loan of 63,000 euros. This offer is subject to an annual interest rate of 5.95 percent. As a result, the customer can expect a monthly rate of 692.92 euros.
The extra loan is included in the offers. Here is an interest from 9.95 percent specified. The loan is monthly at 816 euros.
Beware of a residual debt insurance
A 63000 euro loan is associated with costs. Banks often promise customers that they are best covered by a residual debt insurance. But this is associated with additional costs.
This does not have to be completed if other collateral exists. If the lender wants to lend the loan 63000 euros only with this residual debt insurance, another lender should be sought.
There are other types of collateral that cost less or nothing at all. Especially the contributions of this insurance will make the loan really expensive. Often, the contributions will exceed the loan installments in the month.
It should always be tried to choose a term life insurance or a guarantee as a credit protection.