We have been to the bank.
Your report almost literally matches my experience with the Voba Ludwigsburg. The bank credit experiences u. Test: View field report The bank is the subsidiary of the German savings bank, which is named after a traditional Company based in Bankers, the savings bank of 1822. bank is aimed exclusively at private customers and, as an intermediary of credit bank banks, offers installment loans in the lending sector. The company does not charge interest-based interest on installment loans.
But what is behind the services offered by the bank? Our credit check for the year 1822 shows it! In the banktest the first look is of course focused on the interest rates. A positive aspect of the bank: The interest rates are completely independent of the creditworthiness of the clientele.
With a minimum loan volume of EUR 2,500, even small loan applications will be considered. The rapid credit approval has the same effect as the possibility of special repayment at any time. The clear and self-explanatory online application convinced us in our attempt. Not quite as convinced is the realization that self-employed persons are not entitled to loans from the Main direct bank.
The actual purchase contract takes place between the borrower and the credit bank group. The first striking feature of the bank experience is, as we said, the very advantageous annual rate. The small introductory volume of EUR 2,500 also allows borrowers to realize smaller wishful thinking that other institutions need to cover with expensive overdrafts.
The bank experience also has the advantage that free special refunds are possible. The bank is indeed a house bank, but in the bank test, it was surprising that the house bank acts only as an intermediary for installment loans. However, it is all the more astonishing that it is not the installment loans of the parent company – Bankers Company – that can be brokered, but the loans of a bank outside the banking group.
The cooperation with the credit bank
From other experiences, the cooperation with the credit bank also concludes that the direct Mainbank wants to collect points in addition to the service, also with regard to the conditions. The loan expense of the parent company can not keep up with the interest rates of the credit bank and is therefore gladly used to the satisfaction of the customers.
In this context, it is very important for legal reasons to know that the customer is a party to the credit bank and is completely excluded from bank. Two other influencing factors have influenced our bank experience both positively and negatively: bank waive a handling fee for arranging loans – a positive effect.
Except for the latter aspect, the Bankers offer is rounded, which is underlined by the clear structure in the application process yet. A credit check would be incomplete if it did not include a sample calculation for a loan transaction. Borrowers must reckon with bank with this list with a monthly load of 301.40 EUR.
Experience of the bank especially with the loan
There is no information on the experience of the bank especially with the loan. However, the bank was voted among the top three institutes in 2013 by the German Institute for Service Quality. In 2013, Yabenrs will also receive the promotion prize for retail banking. You already have experience with the bank personal loan and want to exchange it with other consumers?
bank acts only as a mediator for her personal loan. The lender is the credit bank banking group whose terms and conditions apply to the lending business. The loan agreement will not be concluded with Bankers but with credit bank group. Do I have to be a bank customer to apply for a loan? It is the corporate philosophy of the principal bank that a loan must be as personal as the borrower.