Installment loan IKD
IKD Credit Experience & Test GmbH “Experience Report (08/2018) But what lies behind the IKD Bank proposal? The IKD Bank Test shows it! The IKD examination in a quick overview This has convinced: IKD Bank loan offer now equal to IKD Bank is one of the most market-oriented providers when it comes to loans and accounts x for any time.
Of course, according to the previous experience of the IKD no processing fee for the bonds. Even some self-employed people have good experiences at the IKD. If you want a rate protection against certain dangers, you can agree on favorable tariffs. Loan and term independent interest of 3.49% pa Loans are possible from 2,500 EUR, the maximum limit is 5,000 EUR.
The IKD loans are also available to certain professional groups of self-employed.
We thoroughly examined the conditions of IKD’s personal loan and stated that IKD is fulfilling its commitments here. The deciding factor in addition to the interest-free and maturity-independent interest rate is above all the flexibility that is interesting for the clientele.
The amount of the payout depends on the creditworthiness of the client. It is known that the IKD banks make the credit decision within a few days. This, of course, is an important argument, as banks have no branches for direct use of funds.
Overall picture fit the good experiences that make certain self-employed with this offer, since not all competitors in this subject group grant a credit. The interest is independent of any purpose. The required documents can also be retrieved from the website. This is another plus, because the customer has everything under control.
On the title page, the house bank indicates which documents this will be. Again, consumers have no losses. The IKD pays an interest of 0.2% per year up to a credit balance of EUR 1,000.00 per year. If the loan exceeds the amount of EUR 1,000.00, the interest rate is 0.00%.
This is a variable interest.
Not only does this offer an interest-rate benefit on the loan, there are also many interesting benefits to account management. IKD can score points not only with the loan but also with the account. The interest on the IKD loans is the same for all debtors and conditions.
The IKD examination shows that this loan is granted in a transparent manner and without any traps or restrictions in the event of death. The waiver of the determination of a transaction fee is for the Berlin Post just as self-evident as the waiver of the prepayment costs. The low entry level of EUR 2,500 means that funds are not only available for large financing projects, but also, for example, to relieve the current account of current account overdrafts.
It is particularly pleasing that the customers on the website have the best possible and clear overview of the conditions. the explanatory notes on interest rates, tranches and units. This allows you to record a loan quickly and easily without any unpleasant surprise.
With a loan amount of TEUR 800 with a remaining term of 48 months, 3.49% was actually incurred. The monthly amount is 180 EUR. If you prefer 37 monthly financing, you only have to pay 229.55 EUR per month. The loan calculators are designed soberly and give a first indication of what your own money can be like.
Due to the fixed interest rate, there is no risk for the prospective buyer that billing depends significantly on the actual offer. In the IKD the demand for transparency is in the foreground and everyone can determine in advance the installment amount for the desired loan amount. who received rating 1,3 in their installment credit review 2012, which is very good, in issue 6/2012.
However, it depends on the applicant, which documents are really needed for the lending by the house bank. Customers who are under time pressure and need the capital they need quickly are then required to go straight to a house bank and possibly accept higher interest rates.
Will interest rates change during the contract period? Because the IKD also operates with an interest rate that does not depend on creditworthiness or duration, anyone interested knows immediately what interest rate to expect and whether it fits well into its own budget. What are the credit costs of the IKD? only the interest costs are calculated.
Basically, securing the loan is a good thing, of course.
However, to what extent this is really necessary depends on the applicant. IKD Private credit brings decisive advantages for the consumer. Due to our IKD credit experience, we can recommend the house bank in any case!