Anyone who has a credit requirement of 13,000 euros, can move with this loan amount already. From the replacement of an existing and now too expensive loan over the financing of a cheap new or a good used car up to a comprehensive furnishing of the flat or repair of the own house the 13000 euro credit can be used.
It is important in any case that a thorough comparison is made for the 13000 euro loan. A loan of this size, which was completed too expensive, can quickly generate additional costs of one hundred euros over the 48-month period. When comparing the loans, it is important that the credit rating plays an important role here.
The cheaper the creditworthiness – ie the solvency – of the applicant, the lower the default risk for the bank and thus cheaper the credit.
The 13000 Euro loan from Bankate
Anyone who completes the 13,000-euro loan with a loan period of 48 months at Bankate pays an effective annual interest rate of 7.95 percent for this loan. The fixed borrowing rate for the loan is 5.936 percent. The Bankate charges a processing fee of € 455.00 for the loan in the amount of € 13,000. This makes for the borrower, including all ancillary costs, which accumulate for the borrowing, a total loan amount of 15166.56 euros. The customer pays the first installment two weeks after closing the loan. For the borrower monthly installments of 315.97 euros, which are distributed evenly over the entire repayment period.
The 13000 Euro loan from Bankile
The decision to use Bankile’s € 13,000 loan will give the borrower an effective annual interest rate of 4.75 percent. This results in a fixed borrowing rate for the borrower of 4.65 percent. With a maturity of 48 months, the borrower pays € 297.40 for the loan for a term of 48 months. The total loan amount is 16428,22 Euro.
The 13000 Euro credit at Creditend
The 13,000-euro loan with a maturity of 48 months brings for the borrower an effective annual interest rate of 5.70 percent. For the borrower, this creates a borrowing rate of 5.56 percent. For the borrower, the monthly installment for the loan is € 302.70 for the € 13000 loan with a maturity of 48 months.
All three banks compared offer the loan offered on the basis that the credit standing of the applicant is favorable to excellent. In addition, all three banks expect a Private credit information, which is free of negative entries. Anyone who has an unfavorable credit rating as an applicant can not take advantage of the favorable conditions offered and often has to reckon with considerable additional costs for the loan when calculating the interest resulting from the increased default risks for the banks. It is also important for the borrowing of all three banks that the applicant has a permanent employment relationship.
This employment relationship must exist beyond the probationary period. Applicants must submit three current proofs of income for applying for the loan. In addition, all monthly financial obligations must be disclosed and documented. All three providers work together with Private credit on lending, so they also enter the loan with Private credit after conclusion of the contract.