A debt restructuring for civil servants can save a lot of money. The development of interest rates shows that debt rescheduling makes sense right now.
Never before could such low interest rates be used. The offers are so attractive that a rescheduling should be started best today.
At a glance explains:
- A rescheduling – at low interest with a long term – offer many lenders for civil servants
- It is more interesting to accept the best individual offer
- The connected comparison facilitates the search
- Apply for your rescheduling loan – now without obligation
- The software checks in real time and delivers individually suitable credit offers
Replacing old loans
Remortgage for civil servants – small installments and strong savings
With a rescheduling for civil servants old loans can be replaced. The loans with the often too high interest rates are a heavy burden monthly. To reduce this burden, rescheduling should be considered. Especially the Dispo with very high interest rates should be replaced as soon as possible.
Since this is completely compensated each month, the customer will have little opportunity to come out of the Dispo. Who replaces his Dispo, will have to pay any fee. This is often different with other loans. Since the bank loses interest through the replacement, it often charges a fee. This must be paid when the sum is completely repaid.
Tips for rescheduling
When rescheduling for officials, a lot should be considered. First, the prepayment fee should be calculated. Sometimes this is so high that rescheduling is not worthwhile. Then offers should be obtained.
In a rescheduling therefore a loan portal should be visited. Here can be saved by favorable conditions much. A comparison of bids should help to get the proper rescheduling for civil servants. Some providers do not need to specify a purpose. But with a rescheduling it would be important. The Private credit and the account are checked.
So the bank sees that debts exist. The official should play with open cards.
Bank confront with cheap offers
The bank does not always have to be changed in the case of debt rescheduling for civil servants. It can also help to confront the bank with current offers. Some banks then turn in and change their first offer. This will often try to keep the customers with them. Finally, the bank still gets a profit from the rescheduling. There should be no offer, which is higher than planned.
There should never be too many loans. If they do exist, all loans can be matched with the debt repayment loan. So there are less rates per month. If the bank does not offer a better offer, another bank should be chosen.
Remortgage for civil servants – free use
an official loan does not ask for the purpose. So if you take a high loan amount to pay off debts, you do not necessarily have to specify the purpose. So the debts can be repaid and in addition still purchases are made. This has the advantage that you have a financial headroom, if you take a debt restructuring for civil servants.
The disadvantage is that the interest rates are set high. Most loans are credit-dependent. Thus, the interest rate is adjusted so that it matches the creditworthiness of the applicant. The debts should not be too high if debts already exist. Purchases that are avoidable should first rest. Only when the rescheduling of civil servants has been completely redeemed, should a new loan be considered.
Private credit also with officials
Anyone seeking a debt restructuring for civil servants must know that the Private credit will be audited. If this turns out to be negative, then the low interest rates for civil servants are no longer guaranteed.
That’s because the officer also brings with it some risk. Even if he has a secure income and a non-terminable job. If you do not take care of finances reliably, you are not very trustworthy. Anyone who has difficulty in applying for debt restructuring should have credit security.
A co-applicant can thus help to get the debt restructuring for civil servants. This is often the case with spouses.