With a 15000 Euro credit, larger wishes can be easily fulfilled. Whether a new car or a chic home furnishings, low monthly rates allows the loan to repay comfortably. Especially with larger amounts of credit, a credit comparison is recommended, since even small differences in the interest rate can mean a considerable savings. Below are three providers who currently offer very favorable conditions for a 15000 euro loan.
48 months loan
The Camibank is known for its good lending conditions. Even with a 15000 euro loan with a term of 48 months, they currently offer the cheapest interest rate. Assuming the borrower has the best possible credit rating, he receives the loan for an annual percentage rate of 4.29 percent. In addition to the interest, this also includes the processing fee. The monthly rate in this case is 340,08 Euro. For borrowers whose credit rating is slightly lower, the annual percentage rate may rise to 10.99 percent.
In second place is the loan offer of onlinekredit.de. Up to now, this provider has been known above all for enabling high loan amounts. Up to 200,000 euros are easily possible with appropriate credit. But also for a 15000 euro credit with 48 months duration is the offer onlinekredit.de with a interest rate between 4,35 and 10,90 per cent a favorable offer. Again, this is the APR, which includes all major costs.
CenEur Bank also offers a € 15,000 loan with a maturity of 48 months on favorable terms. The initial interest rate here is 4.40 percent. Depending on the credit rating, this can increase up to a maximum of 11.95 percent. For borrowers who require a larger amount, CenEur Bank offers loans up to an amount of € 50,000.
Requirements for a 15000 euro loan
The basic requirement is that the borrower is at least 18 years old and has permanent residence within the Federal Republic of Germany. In addition, a proper credit rating is required for a loan approval. It is important that sufficient income is available to be able to easily service the monthly installments. In order to increase their own credit rating, the banks offer the possibility to include a second borrower in the loan agreement.
The loan can be applied for by both employees and self-employed or freelancers. Employees need the last two pay slips to prove the monthly income. If you are self-employed or self-employed, you simply present the last income tax returns instead of the pay slips. As part of the credit check, the borrower obtains relevant information from credit bureau or other credit bureaus. It is important that there are no negative entries here. This also applies to the case that a second borrower is present. Here, too, a complete credit check is performed.
Upon request, all banks have the option of securing the loan through a residual debt insurance. This protects against unforeseen events such as prolonged illness, disability or involuntary unemployment from a payment default. If such a case occurs, the insurance company will pay the monthly installments for a certain period of time. In addition, the residual debt insurance takes over the remaining loan amount on death of the borrower, so that the surviving dependents are not financially burdened.