While the majority of consumers in the Federal Republic of Germany receive a conventional installment loan with the usual conditions, the officials can look forward to great offers on a loan. The so-called civil servant loan has many advantages over a normal loan. This advantage arises from the fact that civil servants mostly have excellent creditworthiness and a regular income is guaranteed.
The official loan without Credit bureau
Banks have been offering very good loans to civil servants and public employees for many years. Statistically speaking, the risk of default among this group of people is significantly lower than among workers and employees in other occupations. Of course, it is also taken into account that public sector employees or civil servants are generally non-resignable and that income is therefore always available every month.
The secure job and the very good reputation of civil servants enables this professional group to receive very lucrative loan offers. The official loan is usually granted without any inspection or inspection at Credit bureau.
The official loan and its advantages
As mentioned briefly, a loan for bank officials is very popular. They are certainly among the most popular credit customers and they also receive very good offers. Low interest rates and a loan amount, which is almost impossible for other applicants, can usually be easily taken up by civil servants and public servants. Loan amounts of far to over 50,000 USD are also not a problem here under certain circumstances.
Another very big advantage of an official loan without Credit bureau is that the interest rates are usually around 2 percent. The low interest rates and the fact that there is no negative entry at Credit bureau with this loan are simply top.
In most cases, account management and an unlimited number of special repayments are also possible with a civil servant loan without Credit bureau. This is not always the case with conventional installment loans. Special repayments can only be made under certain circumstances and many banks also charge considerable costs for this as they generally have to forego fixed interest rates. With an official loan, however, such payments are usually possible at any time and free of charge.
Even if the official loan has numerous advantages, a comparison offer should be obtained as with any other loan. If you are interested in a civil servant loan, there are several ways to check the current offers on the Internet. Direct banks are now also offering special loans for civil servants. Since a processing time is usually required for a civil servant loan, an instant credit for civil servants can be just the right solution.
The official loan is a very good way to get a loan despite negative Credit bureau. The professional group has a very high reputation and of course has a very high credit rating due to its employment. Attractive conditions with numerous advantages are circumstances that conventional borrowers can only dream of. Free account management, no entry with Credit bureau and a very low interest rate, all these advantages enjoy civil servants and civil servants.