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Comparison",[8,11,14,17,20,23,26,29],{"href":9,"label":10},"#Kreditvergleich","Loan comparison – Compare terms and save a lot of money",{"href":12,"label":13},"#Warum-Kreditvergleich-nutzen","Why use a loan comparison at all?",{"href":15,"label":16},"#Wer-sollte-Kredite-vergleichen","Who should compare loans?",{"href":18,"label":19},"#Kreditvergleichen-umgehen","How should you approach loan comparisons?",{"href":21,"label":22},"#Kreditvergleich-Abschluss","How is the loan finalized after the comparison?",{"href":24,"label":25},"#Kreditvergleich-bei-negativer-Schufa","Loan comparison with negative SCHUFA",{"href":27,"label":28},"#Kreditvergleich-Haeufige-Fragen","Frequently asked questions about loan comparison",{"href":30,"label":31},"#Kreditvergleich-guenstiges-Darlehen","Find a low-cost loan through comparison",{"href":33,"label":34},"\u002Fen\u002Ftopics","back",{"type":36,"value":37,"toc":1838},"minimark",[38,46,54,58,64,70,75,78,81,85,88,93,97,100,103,276,282,285,370,375,378,382,387,390,395,398,405,410,415,420,425,430,435,438,443,446,450,454,457,462,465,556,561,564,648,653,656,683,689,693,696,701,705,708,712,718,722,725,729,732,735,738,741,745,748,763,768,772,775,779,783,786,791,795,798,805,810,814,817,821,824,831,835,838,841,849,853,856,859,864,869,872,982,987,990,993,997,1000,1094,1099,1102,1106,1110,1113,1118,1123,1126,1141,1145,1151,1154,1158,1162,1165,1170,1175,1178,1193,1197,1200,1233,1238,1243,1247,1252,1255,1325,1330,1336,1358,1362,1365,1373,1381,1389,1397,1409,1412,1416,1422,1426,1429,1432,1442,1452,1462,1470,1478,1488,1492,1498,1502,1508,1512,1516,1519,1522,1527,1532,1537,1540,1544,1547,1551,1554,1557,1561,1567,1570,1574,1577,1580,1583,1587,1591,1594,1609,1612,1616,1619,1624,1629,1634,1639,1644,1649,1652,1656,1659,1667,1671,1674,1688,1692,1696,1699,1702,1720,1724,1728,1731,1734,1738,1742,1745,1749,1752,1757,1762,1767,1772,1782,1793,1797,1803,1807,1810,1824],[39,40,42,10],"h2",{"id":41},"loan-comparison-compare-terms-and-save-a-lot-of-money",[43,44],"span",{"id":45},"Kreditvergleich",[47,48],"content-image",{"align":49,"alt":50,"provider":51,"size":52,"src":53},"left","Compare loans and close cheaply with MAXDA","none","md","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F01_kreditvergleich_konditionen_vergleichen_und_viel_geld_sparen_50p_rechts.jpg",[55,56,57],"p",{},"Whether it's a new car, your dream home, a vacation or settling important financial matters – there are many situations in which we need a loan. Are you in such a situation and want to take out a loan without putting too much strain on your wallet? Then you're in the right place! With the MAXDA loan comparison you have the opportunity, based on our expertise, to find an installment loan that fits you perfectly. This also applies in situations where a loan without SCHUFA is the right solution for you. But what exactly is a loan comparison? How does it work and what savings potential is possible?",[47,59],{"align":60,"alt":61,"provider":51,"size":62,"src":63},"center","Loan comparison made easy with MAXDA","lg","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F02_warum_uberhaupt_einen_kreditvergleich_nutzen_100p_mittig.jpg",[39,65,67,13],{"id":66},"why-use-a-loan-comparison-at-all",[43,68],{"id":69},"Warum-Kreditvergleich-nutzen",[47,71],{"align":72,"alt":73,"provider":51,"size":52,"src":74},"right","Use loan comparison and get a cheap loan with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F03_warum_ueberhaupt_einen_kreditvergleich_nutzen__50p_links.png",[55,76,77],{},"The route to your local bank is normally relatively short: you arrange an appointment and apply for a loan there. That sounds simple, but online loans can be applied for much more conveniently and easily. In addition, you can choose from a wide range of providers and use a loan comparison. But why is this interesting at all? To understand this, imagine the loan market as a marketplace.",[55,79,80],{},"When you buy vegetables at such a market, you usually don’t buy at the first stall but check the quality and prices of the goods from different vendors to then take the best offer.",[47,82],{"align":49,"alt":83,"provider":51,"size":52,"src":84},"Loan comparison – compare loans and request with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F04_warum_ueberhaupt_einen_kreditvergleich_nutzen__50p_rechts.png",[55,86,87],{},"A loan comparison works in the same way, except that here the quality of the goods are the features of the respective loan and the prices are the interest rates charged. So you have the opportunity to find a tailor-made installment loan and save a lot of money at the same time.",[89,90,92],"h3",{"id":91},"what-exactly-is-a-loan-comparison","What exactly is a loan comparison?",[47,94],{"align":49,"alt":95,"provider":51,"size":52,"src":96},"Loan comparison clearly explained by MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F05_was_ist_ein_kreditvergleich_genau__50p_links.png",[55,98,99],{},"A loan comparison today is a database in which numerous loan offers with their respective terms are entered. By entering certain search parameters such as a specific term, a desired loan amount and certain special services, the loan offers are filtered. The comparison calculator therefore only shows the loans that meet the entered search parameters.",[55,101,102],{},"In addition, the loan comparison always sorts the offers according to their interest rate, so it is easy to see which suitable loans are also particularly inexpensive. A small example with 6 loan offers should illustrate this:",[104,105,106,127],"table",{},[107,108,109],"thead",{},[110,111,112,115,117,119,121,123,125],"tr",{},[113,114],"th",{},[113,116],{},[113,118],{},[113,120],{},[113,122],{},[113,124],{},[113,126],{},[128,129,130,154,176,197,217,237,257],"tbody",{},[110,131,132,136,139,142,145,148,151],{},[133,134,135],"td",{},"Loan",[133,137,138],{},"Annual percentage rate (effective)",[133,140,141],{},"Loan amount",[133,143,144],{},"Term (in months) ",[133,146,147],{},"Free special repayments",[133,149,150],{},"Installment pause possible? ",[133,152,153],{},"Particularly fast disbursement",[110,155,156,159,162,165,168,171,174],{},[133,157,158],{},"1",[133,160,161],{},"3.99 % ",[133,163,164],{},"1,000- 50,000 Euro",[133,166,167],{},"12-60",[133,169,170],{},"Yes ",[133,172,173],{},"No",[133,175,173],{},[110,177,178,181,184,187,190,192,195],{},[133,179,180],{},"2",[133,182,183],{},"3.99 %",[133,185,186],{},"500 - 30,000 Euro",[133,188,189],{},"6-120",[133,191,170],{},[133,193,194],{},"Yes",[133,196,173],{},[110,198,199,202,205,208,211,213,215],{},[133,200,201],{},"3",[133,203,204],{},"4.39 %",[133,206,207],{},"5,000-20,000 Euro",[133,209,210],{},"12-120",[133,212,194],{},[133,214,194],{},[133,216,194],{},[110,218,219,222,225,228,231,233,235],{},[133,220,221],{},"4",[133,223,224],{},"4.59 %",[133,226,227],{},"1,000 - 50,000",[133,229,230],{},"12-84",[133,232,173],{},[133,234,173],{},[133,236,194],{},[110,238,239,242,245,248,251,253,255],{},[133,240,241],{},"5",[133,243,244],{},"5.5 %",[133,246,247],{},"500 - 10,000 Euro",[133,249,250],{},"12-48",[133,252,194],{},[133,254,173],{},[133,256,173],{},[110,258,259,262,265,268,270,272,274],{},[133,260,261],{},"6",[133,263,264],{},"6.0 %",[133,266,267],{},"1000-100.000 Euro",[133,269,210],{},[133,271,194],{},[133,273,194],{},[133,275,170],{},[55,277,278],{},[279,280,281],"em",{},"Table 1: Example loans with their features and terms for a loan comparison",[55,283,284],{},"Assume this were the entire loan market. If you now perform a loan comparison and specify from the outset that you need a free installment pause and a loan amount of 35,000 Euro, only offer 6 would be an option for you. If, on the other hand, you need a particularly fast disbursement and free special repayments, the loan comparison would display offers 3 and 6:",[104,286,287,305],{},[107,288,289],{},[110,290,291,293,295,297,299,301,303],{},[113,292],{},[113,294],{},[113,296],{},[113,298],{},[113,300],{},[113,302],{},[113,304],{},[128,306,307,327,349],{},[110,308,309,311,313,315,318,321,324],{},[133,310,135],{},[133,312,138],{},[133,314,141],{},[133,316,317],{},"Term (in months)",[133,319,320],{},"Free special repayments?",[133,322,323],{},"Installment pause possible?",[133,325,326],{},"Particularly fast disbursement? ",[110,328,329,331,333,336,338,343,345],{},[133,330,201],{},[133,332,204],{},[133,334,335],{},"5,000 - 20,000 Euro ",[133,337,210],{},[133,339,340],{},[341,342,194],"strong",{},[133,344,194],{},[133,346,347],{},[341,348,194],{},[110,350,351,353,355,358,360,364,366],{},[133,352,261],{},[133,354,264],{},[133,356,357],{},"1,000- 100,000 Euro ",[133,359,210],{},[133,361,362],{},[341,363,194],{},[133,365,194],{},[133,367,368],{},[341,369,194],{},[55,371,372],{},[279,373,374],{},"Table 2: Example of the output of a loan comparison after filtering the offers",[55,376,377],{},"In this example you would probably choose loan 3 because it is cheaper. The MAXDA loan comparison uses the same procedure, except that it does not compare 6 or 10 loans but, depending on the situation, well over 100 different offers.",[89,379,381],{"id":380},"how-does-a-loan-comparison-work","How does a loan comparison work?",[47,383],{"align":72,"alt":384,"provider":51,"size":385,"src":386},"Request loan comparison online with MAXDA","sm","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F07_wie_funktioniert_ein_kreditvergleich__30p_rechts.png",[55,388,389],{},"The description above of filtering results is the core function of a loan comparison. Depending on the comparison provider, the procedure is as follows:",[55,391,392],{},[341,393,394],{},"1. Parameters are set",[55,396,397],{},"You as a user either enter the following loan preferences yourself into the comparison calculator or tell the provider's experts (as with MAXDA):",[399,400,401],"ul",{},[402,403,404],"li",{},"Desired term",[399,406,407],{},[402,408,409],{},"Desired loan amount",[399,411,412],{},[402,413,414],{},"Purpose of use",[399,416,417],{},[402,418,419],{},"Are free special repayments important?",[399,421,422],{},[402,423,424],{},"Is an installment pause possible?",[399,426,427],{},[402,428,429],{},"Is particularly fast disbursement important?",[399,431,432],{},[402,433,434],{},"Prefer faster repayment or lower monthly burden?",[55,436,437],{},"Not every loan comparison offers all these parameters, but at least term and loan amount can be defined even with the simplest comparison calculators.",[55,439,440],{},[341,441,442],{},"2. The loan comparison filters the offers",[55,444,445],{},"The comparison calculator searches the database for suitable offers and outputs them ranked by interest rate. You thus receive a tailor-made loan that also carries the lowest possible interest.",[89,447,449],{"id":448},"what-are-the-advantages-of-a-loan-comparison","What are the advantages of a loan comparison?",[47,451],{"align":49,"alt":452,"provider":51,"size":52,"src":453},"Loan comparison – with MAXDA you have the advantage","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F09_welche_vorteile_bringt_ein_kreditvergleich_mit_sich_50p_rechts.png",[55,455,456],{},"The biggest advantage of a loan comparison is the market transparency described above. Only by comparing different offers can you tell whether a loan is ultimately cheap or rather expensive compared to other offers. Market transparency also results in a number of other advantages:",[55,458,459],{},[341,460,461],{},"1. Save on interest costs",[55,463,464],{},"Through a loan comparison it is relatively easy to identify the cheapest offers. Thus you can decide on installment loans that bring particularly low interest rates. The following example shows the savings potential that already arises from rather moderate interest differences:",[104,466,467],{},[128,468,469,484,495,507,520,533,546],{},[110,470,471,474,479],{},[133,472,473],{}," ",[133,475,476],{},[341,477,478],{},"Loan I (rather cheap)",[133,480,481],{},[341,482,483],{},"Loan II (somewhat more expensive)",[110,485,486,490,493],{},[133,487,488],{},[341,489,141],{},[133,491,492],{},"10,000 Euro",[133,494,492],{},[110,496,497,501,504],{},[133,498,499],{},[341,500,138],{},[133,502,503],{},"3.99% p.a. ",[133,505,506],{},"5.49 % p.a. ",[110,508,509,514,517],{},[133,510,511],{},[341,512,513],{},"Term",[133,515,516],{},"48 months",[133,518,519],{},"48 months ",[110,521,522,527,530],{},[133,523,524],{},[341,525,526],{},"Monthly repayment",[133,528,529],{},"225.43 Euro",[133,531,532],{},"231.91 Euro",[110,534,535,540,543],{},[133,536,537],{},[341,538,539],{},"Interest costs until end of term",[133,541,542],{},"820.52 Euro",[133,544,545],{},"1,131.75 Euro",[110,547,548,553],{},[133,549,550],{},[341,551,552],{},"Savings",[133,554,555],{"colSpan":180},"311.23 Euro",[55,557,558],{},[279,559,560],{},"Table 3: Example calculation of the savings potential of a loan comparison with small interest differences",[55,562,563],{},"As you can see, even with small interest differences you can save a considerable sum by comparing loans. Below we modify the example and show the savings potential with a much larger interest difference:",[104,565,566],{},[128,567,568,581,591,603,614,626,638],{},[110,569,570,572,576],{},[133,571,473],{},[133,573,574],{},[341,575,478],{},[133,577,578],{},[341,579,580],{},"Loan II (expensive)",[110,582,583,587,589],{},[133,584,585],{},[341,586,141],{},[133,588,492],{},[133,590,492],{},[110,592,593,597,600],{},[133,594,595],{},[341,596,138],{},[133,598,599],{},"3.99 % p.a.",[133,601,602],{},"8.49 %",[110,604,605,610,612],{},[133,606,607],{},[341,608,609],{},"Term ",[133,611,519],{},[133,613,516],{},[110,615,616,621,623],{},[133,617,618],{},[341,619,620],{},"Monthly repayment ",[133,622,529],{},[133,624,625],{},"244.96 Euro",[110,627,628,633,635],{},[133,629,630],{},[341,631,632],{},"Interest costs until end of term ",[133,634,542],{},[133,636,637],{},"1,758 Euro",[110,639,640,645],{},[133,641,642],{},[341,643,644],{},"Savings ",[133,646,647],{"colSpan":180},"937.49 Euro",[55,649,650],{},[279,651,652],{},"Table 4: Example calculation of the savings potential of a loan comparison with larger interest differences",[55,654,655],{},"In this example the interest savings of 937.49 Euro already amount to almost 10% of the loan amount. A huge savings potential that you can also easily use if you compare loans before choosing a provider. ",[104,657,658,665],{},[659,660,661],"colgroup",{},[662,663],"col",{"style":664},"width: 100%",[128,666,667],{},[110,668,669],{},[133,670,671],{},[672,673,674],"div",{},[55,675,676,679,680],{},[341,677,678],{},"Note:"," ",[279,681,682],{},"With the MAXDA loan comparison you have the opportunity to obtain particularly cheap loans. Simply tell us your performance preferences and we will perform a loan comparison for you from numerous offers. This way you can relieve your wallet conveniently and easily.",[55,684,685,688],{},[341,686,687],{},"2. Loan comparisons can be carried out completely stress-free","\\",[47,690],{"align":49,"alt":691,"provider":51,"size":52,"src":692},"Carry out loan comparison stress-free with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F11_kreditvergleiche_lassen_sich_komplett_stressfrei_durchfuehren_50p_links.png",[55,694,695],{},"To perform a loan comparison, you do not have to adhere to banks' opening hours. You can do this at any time because comparison calculators are usually available 24 hours a day, 7 days a week. So you can compare loans exactly when you have time and inclination to do so. At MAXDA it is also possible to have a loan comparison performed quickly and easily by entering your preferences. You do not have to manually obtain numerous loan offers from different banks, but can find your tailor-made installment loan directly.",[55,697,698,688],{},[341,699,700],{},"3. You can easily filter the offers in advance",[47,702],{"align":49,"alt":703,"provider":51,"size":52,"src":704},"Loan comparison: the best loan offers are available at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F12_das_angebot_koennen_sie_bereits_im_vorfeld_problemlos_filtern_50p_rechts.png",[55,706,707],{},"Does your loan need certain features such as free special repayments, no credit check or the possibility of installment pauses? No problem, because such features can be easily filtered in a loan comparison today. You can of course also set the term and loan amount in advance. A loan comparison therefore offers decisive advantages that you should use. Contact us and we will find the loan together that fully satisfies you in every respect!",[47,709],{"align":60,"alt":710,"provider":51,"size":62,"src":711},"Loan comparison: possible for everyone with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F13_wer_sollte_kredite_vergleichen_100p_mittig.jpg",[39,713,715,16],{"id":714},"who-should-compare-loans",[43,716],{"id":717},"Wer-sollte-Kredite-vergleichen",[47,719],{"align":49,"alt":720,"provider":51,"size":52,"src":721},"Loan comparison in every life situation with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F14_wer_sollte_kredite_vergleichen_50p_links.png",[55,723,724],{},"Basically, anyone planning to take out a loan in the near future should compare loans. After all, no one wants to miss out on low interest rates and matching features. So if you are interested in a cheap installment loan, a loan comparison is the right approach. Today loan comparisons are offered for many different types of loans.",[89,726,728],{"id":727},"loan-comparison-for-consumer-loans","Loan comparison for consumer loans",[55,730,731],{},"Do you need to make an important purchase or want to finance your vacation? In these cases a consumer loan is often interesting for you. Classic consumer loans are commonly also called installment loans and are the standard product for a loan comparison. You should ask yourself the following important questions beforehand:",[55,733,734],{},"**1. How much money do I need for my project? **",[55,736,737],{},"A consumer loan is often associated with a specific project. If, for example, you need to buy a new refrigerator or pay for a vacation, the costs are relatively clear. Accordingly, you can set the loan amount.",[55,739,740],{},"**2. What monthly burden is acceptable for me? **",[47,742],{"align":72,"alt":743,"provider":51,"size":52,"src":744},"Loan comparison – quickly to a cheap loan with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F16_welche_monatliche_belastung_ist_fur_mich_vertretbar_50p_links.png",[55,746,747],{},"You should be aware that every loan must be repaid along with interest. This is done in monthly equal installments that are based on the loan amount, the interest rate and the term. Since the loan amount for a consumer loan is fixed and the interest rate is set by the provider, you can influence the monthly burden by the term. A longer term means a lower loan installment. In the end, however, you pay more interest because you borrow the money from the bank for a longer period. Set the term for your loan always as short as possible and as long as necessary. Set a maximum affordable repayment amount for yourself and adjust the term so that this repayment amount is achieved. This way you repay your loan as quickly as possible and minimize interest costs.",[104,749,750,756],{},[107,751,752],{},[110,753,754],{},[113,755],{},[128,757,758],{},[110,759,760],{},[133,761,762],{},"Tip: With MAXDA you can indicate in advance whether you prefer a rapid repayment of your loan or a very low monthly rate. Based on this preference, we search our loan comparison for the appropriate offers for you.",[55,764,765,688],{},[341,766,767],{},"3. Do I need certain special services?",[47,769],{"align":72,"alt":770,"provider":51,"size":52,"src":771},"Loan comparison without SCHUFA at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F17_benoetige_ich_bestimmte_sonderleistungen__50p_rechts.png",[55,773,774],{},"Installment loans today come with numerous special features. These include free special repayments (additional early repayments) or the option of installment pauses. In addition, some banks also offer a fully digital application process that significantly speeds up loan disbursement. Depending on your situation, these special features may be of interest to you. So consider in advance what your consumer loan should offer.",[89,776,778],{"id":777},"loan-comparison-for-car-loans","Loan comparison for car loans",[47,780],{"align":49,"alt":781,"provider":51,"size":52,"src":782},"Loan comparison – fulfill wishes with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F18_kreditvergleich_fuer_autokredite_50p_links.png",[55,784,785],{},"A car loan is still standard for many car purchases today. Few consumers can afford a car from their own assets or income. At first glance there is nothing to prevent using a consumer loan without a specific purpose for car financing. But if you specify the purpose, you can benefit from corresponding advantages:",[55,787,788],{},[341,789,790],{},"1. Banks often offer car loans cheaper",[47,792],{"align":72,"alt":793,"provider":51,"size":52,"src":794},"Loan comparison: cheaper car loan directly at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F19_banken_bieten_autokredite_haeufig_guenstiger_an_50p_rechts.png",[55,796,797],{},"Banks base interest rate conditions for loans on the default risk of a loan. If, as a borrower, you use the money to purchase a car, you become the owner of an asset (car). This asset could be sold in an emergency and thus represents collateral. Financing a vacation is a good counterexample, because in that case the money was simply spent on the vacation without collateral.",[55,799,800,801,804],{},"Because of this, banks can sometimes offer car loans to you more cheaply. If you actually want to buy a car, it makes sense to indicate the purpose when performing the loan comparison.",[802,803],"br",{},"\n ",[55,806,807],{},[341,808,809],{},"2. The number of possible offers increases",[47,811],{"align":49,"alt":812,"provider":51,"size":52,"src":813},"Loan comparison – compare loan offers with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F20_die_summe_der_moeglichen_angebote_wird_groesser_50p_links.png",[55,815,816],{},"In Germany there have long been specialized banks and financial service providers that focus on car loans. These can only be included in the loan comparison if you actually specify the purchase of a car as the purpose. Thus you have the chance to benefit from even more favorable conditions.",[89,818,820],{"id":819},"loan-comparison-for-refinancing-debt-consolidation","Loan comparison for refinancing (debt consolidation)",[55,822,823],{},"Do you want to refinance an expensive loan and use a loan comparison for this purpose? A very good decision, because market transparency often makes significantly better terms possible. The following aspects are particularly important here:",[55,825,826,828,688],{},[802,827],{},[341,829,830],{},"1. Specify refinancing as the purpose",[47,832],{"align":49,"alt":833,"provider":51,"size":52,"src":834},"Loan comparison – refinance loan cheaply with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F21_kreditvergleich_fuer_umschuldung_umschuldung_als_verwendungszweck_angeben_50p_rechts.png",[55,836,837],{},"As with car loans, it is helpful to state the purpose when comparing loans for refinancing. Banks do look at your current debt situation before granting a loan. High debts can worsen your creditworthiness and thus push up the interest rates for your refinancing loan.",[55,839,840],{},"If you specify \"refinancing\" as the purpose, the bank knows: you do not want to take on additional debt but swap debts to reduce your interest burden. Thus your creditworthiness does not deteriorate and you receive better interest conditions.",[55,842,843,845,848],{},[802,844],{},[341,846,847],{},"2. Always keep an eye on refinancing costs","  ",[47,850],{"align":72,"alt":851,"provider":51,"size":52,"src":852},"Use loan comparison for refinancing with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F22_kosten_der_umschuldung_stets_im_blick_behalten_50p_links.png",[55,854,855],{},"When you refinance, you repay your old loan early with the loan amount of the new loan. However, early repayment of a loan can sometimes incur costs. If the previous bank does not explicitly allow a completely free early repayment, a so-called prepayment penalty (Vorfälligkeitsentschädigung) is due. For installment loans this is legally regulated.",[55,857,858],{},"According to §502 Para. 3 the prepayment penalty may not exceed the following amounts:",[399,860,861],{},[402,862,863],{},"Remaining term of at least 12 months: 1% of the prepaid amount",[399,865,866],{},[402,867,868],{},"Remaining term of under 12 months: 0.5% of the prepaid amount",[55,870,871],{},"A refinancing only makes sense if the refinancing loan plus prepayment penalty is cheaper than the old loan. A small example illustrates this:",[104,873,874],{},[128,875,876,890,901,913,925,937,949,962,975],{},[110,877,878,880,885],{},[133,879,473],{},[133,881,882],{},[341,883,884],{},"Refinancing loan",[133,886,887],{},[341,888,889],{},"Old loan",[110,891,892,896,899],{},[133,893,894],{},[341,895,141],{},[133,897,898],{},"8,000 Euro",[133,900,898],{},[110,902,903,907,910],{},[133,904,905],{},[341,906,138],{},[133,908,909],{},"3.49 % p.a.",[133,911,912],{},"6.49 % p.a. ",[110,914,915,919,922],{},[133,916,917,473],{},[341,918,513],{},[133,920,921],{},"24 months ",[133,923,924],{},"24 months",[110,926,927,931,934],{},[133,928,929],{},[341,930,526],{},[133,932,933],{},"345.39 Euro",[133,935,936],{},"355.66 Euro",[110,938,939,943,946],{},[133,940,941],{},[341,942,539],{},[133,944,945],{},"289.42 Euro",[133,947,948],{},"535.93 Euro ",[110,950,951,956,959],{},[133,952,953],{},[341,954,955],{},"Prepayment penalty",[133,957,958],{},"80 Euro",[133,960,961],{},"- ",[110,963,964,969,972],{},[133,965,966],{},[341,967,968],{},"Total costs ",[133,970,971],{},"369.42 Euro",[133,973,974],{},"535.93 Euro",[110,976,977,979],{},[133,978,552],{},[133,980,981],{"colSpan":180},"166.51 Euro",[55,983,984],{},[279,985,986],{},"Table 5: Example calculation of cost savings from refinancing",[55,988,989],{},"In this case refinancing with the loan comparison would be worthwhile. ",[89,991],{"id":992},"",[89,994,996],{"id":995},"loan-comparison-for-mortgage-financing","Loan comparison for mortgage financing",[55,998,999],{},"Mortgage financing is a very complex topic that requires a lot of planning and calculation. Nevertheless, it is clear that a loan comparison is particularly worthwhile in this area. This is due to the high loan amounts and long terms, which have a corresponding impact on costs. A small example illustrates this:",[104,1001,1002],{},[128,1003,1004,1014,1025,1036,1046,1055,1065,1076,1087],{},[110,1005,1006,1008,1011],{},[133,1007,473],{},[133,1009,1010],{},"Mortgage I (rather cheap)",[133,1012,1013],{},"Mortgage II (somewhat more expensive) ",[110,1015,1016,1019,1022],{},[133,1017,1018],{},"Loan amount ",[133,1020,1021],{},"200,000 Euro ",[133,1023,1024],{},"200,000 Euro",[110,1026,1027,1030,1033],{},[133,1028,1029],{},"Fixed nominal interest rate ",[133,1031,1032],{},"1.99 % p.a.",[133,1034,1035],{},"2.45 % p.a. ",[110,1037,1038,1041,1044],{},[133,1039,1040],{},"Interest fixation period",[133,1042,1043],{},"15 years",[133,1045,1043],{},[110,1047,1048,1050,1053],{},[133,1049,620],{},[133,1051,1052],{},"908.33 Euro",[133,1054,1052],{},[110,1056,1057,1059,1062],{},[133,1058,539],{},[133,1060,1061],{},"42,666.09 Euro",[133,1063,1064],{},"54,868.44 Euro",[110,1066,1067,1070,1073],{},[133,1068,1069],{},"Initial repayment",[133,1071,1072],{},"3.46 % ",[133,1074,1075],{},"3 %",[110,1077,1078,1081,1084],{},[133,1079,1080],{},"Remaining debt after 15 years",[133,1082,1083],{},"79,160.69 Euro",[133,1085,1086],{},"91,368.44 Euro",[110,1088,1089,1091],{},[133,1090,552],{},[133,1092,1093],{"colSpan":180},"12,208.35 Euro",[55,1095,1096],{},[279,1097,1098],{},"Table 6: Example of the enormous savings potential of a loan comparison in the area of mortgage financing",[55,1100,1101],{},"To compare the two mortgages, the interest savings were invested in a higher repayment so that both loans have the same monthly repayment. Due to the faster repayment resulting from the lower interest burden, a saving of over 12,000 Euro could already be achieved with such a small interest difference. This was invested in repayment so that the remaining debt is significantly lower.",[89,1103,1105],{"id":1104},"loan-comparison-for-self-employed","Loan comparison for self-employed",[47,1107],{"align":49,"alt":1108,"provider":51,"size":385,"src":1109},"Loan comparison – start self-employment with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F24_kreditvergleich_fur_selbsstaendige_30p_rechts.png",[55,1111,1112],{},"As a self-employed person, you face the problem that you often cannot apply for many installment loans from a conventional loan comparison. Self-employed people cannot usually prove a constant and secure income. For this reason, you often have to resort to special loans for the self-employed. Such loans are possible only under certain conditions:",[399,1114,1115],{},[402,1116,1117],{},"You have been self-employed for at least 2-3 years",[399,1119,1120],{},[402,1121,1122],{},"You can provide more extensive documents such as the latest income tax assessments and bank statements",[55,1124,1125],{},"On average, loans for the self-employed are also somewhat more expensive because banks generally have lower security regarding repayment. A loan comparison for the self-employed is therefore particularly important to prevent costs from rising too much.",[104,1127,1128,1134],{},[107,1129,1130],{},[110,1131,1132],{},[113,1133],{},[128,1135,1136],{},[110,1137,1138],{},[133,1139,1140],{},"Tip: Some providers of conventional installment loans also easily include the self-employed in their target group. In these cases usually only one income tax assessment is required and the conditions are also quite attractive. A closer look is worthwhile. We at MAXDA will help you find the most affordable loan for self-employed people!",[47,1142],{"align":60,"alt":1143,"provider":51,"size":62,"src":1144},"Loan comparison – compare loans and request easily with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F27_wie_sollte_man_mit_kreditvergleichen_umgehen_100p_mittig.jpg",[39,1146,1148,19],{"id":1147},"how-should-you-approach-loan-comparisons",[43,1149],{"id":1150},"Kreditvergleichen-umgehen",[55,1152,1153],{},"If you are interested in a loan comparison, it is important that you know some basic principles when dealing with such comparison calculators. Only then is it ensured that you understand the importance of various metrics and thus prevent misjudgments. At MAXDA this is less problematic because we perform the loan comparison for you based on your wishes and ideas. Nevertheless, basic knowledge is very helpful:",[89,1155,1157],{"id":1156},"what-is-the-difference-between-the-nominal-rate-and-the-annual-percentage-rate-effective-interest-rate","What is the difference between the nominal rate and the annual percentage rate (effective interest rate)?",[47,1159],{"align":72,"alt":1160,"provider":51,"size":52,"src":1161},"Loan comparison – compare interest rates and secure a cheap loan with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F25_worin_liegt_der_unterschied_zwischen_dem_sollzins_und_dem_effektiven_jahreszins_50p_links.png",[55,1163,1164],{},"If you take a closer look at common comparison calculators, you will quickly discover different interest rates listed. In addition to the nominal rate (fixed nominal rate), the so-called annual percentage rate (effective) is always given. While the nominal rate only represents the pure interest costs for the loan, the effective annual rate also includes certain incidental costs. Its calculation and the incidental costs to be included are laid down in §6 of the Price Indication Ordinance (PangV):",[399,1166,1167],{},[402,1168,1169],{},"Brokerage fees (commissions for loan brokers)",[399,1171,1172],{},[402,1173,1174],{},"Account maintenance fees",[55,1176,1177],{},"In addition to these explicitly mentioned costs, all other costs that are absolutely necessary when concluding the loan must be included in the effective annual rate. Thus the effective annual rate represents the real measure of costs. In a loan comparison you should therefore always pay attention to this figure, as only in this way are the loans actually comparable.",[104,1179,1180,1186],{},[107,1181,1182],{},[110,1183,1184],{},[113,1185],{},[128,1187,1188],{},[110,1189,1190],{},[133,1191,1192],{},"Important: A subsequent success commission is quite common with loan brokers. However, this is not charged additionally, but is part of the effective annual rate. Thus you can view brokerage costs as being priced into the comparison and need not fear additional bills. ",[89,1194,1196],{"id":1195},"what-is-the-representative-example","What is the representative example?",[55,1198,1199],{},"The representative example is one of the most important components in a loan comparison. According to §6a para. 4 PangV, banks and loan providers are obliged, when stating interest rates, always to present a representative example whose interest rate is actually attainable by an average two-thirds of all customers. The attainability of the interest rate in this context relates to creditworthiness. When a bank offers a loan, you can usually find the following type of description of the terms:",[104,1201,1202,1210],{},[107,1203,1204],{},[110,1205,1206,1208],{},[113,1207],{},[113,1209],{},[128,1211,1212,1219,1226],{},[110,1213,1214,1216],{},[133,1215,141],{},[133,1217,1218],{},"1,000 - 50,000 Euro",[110,1220,1221,1223],{},[133,1222,513],{},[133,1224,1225],{},"12-84 months",[110,1227,1228,1230],{},[133,1229,138],{},[133,1231,1232],{},"From 2.99% - 8.99 % p.a. ",[55,1234,1235],{},[279,1236,1237],{},"Table 7: Example of the stated terms for installment loans",[55,1239,1240,1242],{},[802,1241],{},"\nThe interest range of the effective annual rate refers to your creditworthiness as a borrower. If you have top creditworthiness (high income, good SCHUFA score), you may receive the loan at an interest rate of 2.99% per year. If your creditworthiness is rather average, you will probably be offered interest conditions between 4.99 and 8.99% per year. Of course banks like to advertise their lowest interest rates (e.g.: \"from 2.99% per year\") at first glance. ",[47,1244],{"align":60,"alt":1245,"provider":51,"size":62,"src":1246},"Loan comparison – exemplary explanation by MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F26_was_ist_ein_repraesentatives_beispiel_30p_mittig.png",[1248,1249,1251],"h4",{"id":1250},"representative-example-a-sample-calculation","Representative example – a sample calculation",[55,1253,1254],{},"The representative example helps you to see where the lender places the midpoint for creditworthiness. A comparison of the following sample offers illustrates this point more precisely:",[104,1256,1257,1269],{},[107,1258,1259],{},[110,1260,1261,1263,1265,1267],{},[113,1262],{},[113,1264],{},[113,1266],{},[113,1268],{},[128,1270,1271,1285,1299,1312],{},[110,1272,1273,1276,1279,1282],{},[133,1274,1275],{},"Offer",[133,1277,1278],{},"Lowest interest",[133,1280,1281],{},"Highest interest",[133,1283,1284],{},"Representative example",[110,1286,1287,1290,1293,1296],{},[133,1288,1289],{},"Loan A",[133,1291,1292],{},"1.99 %",[133,1294,1295],{},"10.99 % ",[133,1297,1298],{},"8.99 % ",[110,1300,1301,1304,1306,1309],{},[133,1302,1303],{},"Loan B",[133,1305,1292],{},[133,1307,1308],{},"10.99 %",[133,1310,1311],{},"5.99 %",[110,1313,1314,1317,1319,1322],{},[133,1315,1316],{},"Loan C",[133,1318,161],{},[133,1320,1321],{},"8.99 %",[133,1323,1324],{},"4.99 % ",[55,1326,1327],{},[279,1328,1329],{},"Table 8: Example of the importance of the representative example in a loan comparison",[55,1331,1332,1333,1335],{},"At first glance Loan A and Loan B have the same loan terms. However, if you include the interest rate from the representative example in your loan comparison, it quickly becomes clear that Bank B sets the creditworthiness midpoint significantly lower at around 5.99%. This is the rate from the example which, according to law, must be realistically achievable for two-thirds of customers on average. Accordingly, Bank B evaluates creditworthiness less strictly. ",[802,1334],{},"\nLoan C would not rank among the top places in a superficial comparison because the interest range only starts at 3.99%. Nevertheless, it is likely that many borrowers would receive an even cheaper loan as shown by the representative example interest rate of 4.99%.",[104,1337,1338,1342],{},[659,1339,1340],{},[662,1341],{"style":664},[128,1343,1344],{},[110,1345,1346],{},[133,1347,1348],{},[672,1349,1350],{},[55,1351,1352,679,1355],{},[341,1353,1354],{},"Tip:",[279,1356,1357],{},"Try in a first step to assess your own creditworthiness. If you have particularly high income and top credit scoring, you can orient yourself more towards the lowest interest rates from loan offers. With rather average creditworthiness it is often better to look at the representative example.",[89,1359,1361],{"id":1360},"which-special-features-are-important-in-a-loan-comparison","Which special features are important in a loan comparison?",[55,1363,1364],{},"Installment loans are often offered today with attractive special features. These include, for example:",[399,1366,1367],{},[402,1368,1369,1372],{},[341,1370,1371],{},"Free special repayments:"," Special repayments are loan repayments beyond the agreed monthly rate. This can be quite interesting for you as a borrower because you can save interest this way. Normally, early additional repayments are associated with costs such as a prepayment penalty. If a loan offers free special repayments, any fees for special repayments are waived. If you can foresee that special repayments will be possible for you financially, this feature is therefore interesting. However, these may be limited to certain amounts per year and often a complete early repayment is excluded.",[399,1374,1375],{},[402,1376,1377,1380],{},[341,1378,1379],{},"Free installment pause:"," Because no one can see the future, financial bottlenecks sometimes hit us unexpectedly. This can cause problems with loan repayment. In such cases, an installment pause is very helpful because you can simply skip one month of payments. This gives you financial leeway. If you fear possible financial bottlenecks, a free installment pause is interesting. You should note, however, that such an installment pause is usually only possible once a year. In addition, the bank only grants it if you have always paid the rates on time up to that point.",[399,1382,1383],{},[402,1384,1385,1388],{},[341,1386,1387],{},"Free rate adjustments:"," Adjustment of the loan installment can also be very interesting in certain situations. Normally this is only possible with the bank's consent and involves fees. If your loan is offered with free rate adjustments, you don't have to worry about this. In this case rate adjustments are possible free of charge within certain amount limits.",[399,1390,1391],{},[402,1392,1393,1396],{},[341,1394,1395],{},"Grace period:"," A grace period is the time between the bank's disbursement of the loan and the start of repayment (payment of the first installment). Some banks offer grace periods of 2-3 months. This can be interesting if you are currently in a financial bottleneck and still need money quickly.",[399,1398,1399],{},[402,1400,1401,1404,1405],{},[341,1402,1403],{},"Fully digital application:"," In certain situations, the disbursement must be particularly fast. A fully digital application helps because you can upload all important documents online and sign the loan agreement using a qualified digital signature. This saves postal time and in the ideal case you can have your loan disbursed to your account within 24-48 hours after your application.\n",[47,1406],{"align":49,"alt":1407,"provider":51,"size":52,"src":1408},"Loan comparison – compare features and request with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F28_welche-sonderleistungen-bei-kreditvergleich-wichtig_50p_rechts.png",[55,1410,1411],{},"The features listed above can be very interesting depending on your personal financial situation. But not every borrower needs all special features. For this reason you should find out in advance what is important to you and we will find the loan by comparison that offers these features at the lowest possible interest.",[47,1413],{"align":60,"alt":1414,"provider":51,"size":62,"src":1415},"Loan comparison – compare loans and finalize directly with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F29_wie-wird-nach-kreditvergleich-kredit-abgeschlossen_100p.png",[39,1417,1419,22],{"id":1418},"how-is-the-loan-finalized-after-the-comparison",[43,1420],{"id":1421},"Kreditvergleich-Abschluss",[47,1423],{"align":49,"alt":1424,"provider":51,"size":52,"src":1425},"Loan comparison – find and compare cheap loans with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F30_wie-wird-nach-kreditvergleich-kredit-abgeschlossen_50p_links.png",[55,1427,1428],{},"If you are interested in a loan, you can first tell us the desired loan amount and the intended term. In the further process we will also jointly determine which features are still interesting for you personally. Based on this data we perform the loan comparison and present you with the cheapest suitable offer.",[55,1430,1431],{},"The loan closing is then very simple, since you have already given us all important personal data. The next steps are as follows:",[55,1433,1434,1436,1439,1441],{},[802,1435],{},[341,1437,1438],{},"1. We send you the loan agreement",[802,1440],{},"\nYou will receive the desired loan agreement from us by post and by email, in which the loan conditions as well as all important obligations and services are listed in more detail.",[55,1443,1444,1446,1449,1451],{},[802,1445],{},[341,1447,1448],{},"2. Sign the loan agreement and attach important documents",[802,1450],{},"\nIn the next step you sign the loan agreement and attach important documents such as pay slips and bank statements that substantiate your income information.",[55,1453,1454,1456,1459,1461],{},[802,1455],{},[341,1457,1458],{},"3. Send the loan agreement and carry out identification",[802,1460],{},"\nYou send the loan agreement and the documents to us. In addition, you must perform an identification, which is always necessary for loan transactions outside bank branches. Only in this way can it be proven that all personal data are correct. Today there are two different procedures available for identification:",[399,1463,1464],{},[402,1465,1466,1469],{},[341,1467,1468],{},"Postident procedure:"," The Postident procedure is the classic and is losing importance. Here you use a coupon that you received with the loan agreement and go to the nearest post office with your identity card or passport and this coupon. The staff there compares the data and carries out the identification.",[399,1471,1472],{},[402,1473,1474,1477],{},[341,1475,1476],{},"Videoident procedure:"," The Videoident procedure is becoming increasingly popular. Identification is carried out via video chat on a smartphone. You connect with a post or bank employee and hold your ID to the camera. After the chat you also receive a transaction code via SMS that you must enter to confirm.",[55,1479,1480,1482,1485,1487],{},[802,1481],{},[341,1483,1484],{},"4. Receive the loan amount",[802,1486],{},"\nIn the final step the bank transfers the agreed loan amount and you can use the money as you wish. ",[47,1489],{"align":60,"alt":1490,"provider":51,"size":62,"src":1491},"Loan comparison – obtain a loan without SCHUFA entry with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F31_kreditvergleich-bei-negativer-schufa_100p.png",[39,1493,1495,25],{"id":1494},"loan-comparison-with-negative-schufa",[43,1496],{"id":1497},"Kreditvergleich-bei-negativer-Schufa",[47,1499],{"align":72,"alt":1500,"provider":51,"size":52,"src":1501},"Loan comparison – obtain cheap loans even with negative SCHUFA at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F32_kreditvergleich-bei-negativer-schufa_50p_links.png",[55,1503,1504,1505,1507],{},"If you get into financial difficulties, it can unfortunately happen quickly that you receive a negative SCHUFA entry. You only need to fail to pay a larger bill despite reminders once and no quick solution is found. In such cases it is very difficult to obtain a loan through conventional means. Banks often see a negative SCHUFA entry as a knockout criterion and refuse to grant a loan. ",[802,1506],{},"\nIn such cases you have no choice but to focus on loans for which the SCHUFA entry is not relevant. Such loans exist and they come with a variety of conditions. We at MAXDA also help you in this area and perform a loan comparison with negative SCHUFA. ",[89,1509,1511],{"id":1510},"what-is-a-loan-without-schufa","What is a loan without SCHUFA?",[47,1513],{"align":49,"alt":1514,"provider":51,"size":52,"src":1515},"Loan comparison – easily apply for loans without SCHUFA at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F33_was-ist-kredit-ohne-schufa_50p_rechts.png",[55,1517,1518],{},"A loan without SCHUFA is structurally similar to a conventional installment loan. The only difference is that the lender does not obtain a SCHUFA report or credit data from other credit agencies. Thus, previous payment behavior is not relevant for the loan decision. For this you usually need a higher income, as this is the only security. Your income must also be secure, so that with a fixed-term employment contract or during a probationary period you normally do not receive a loan without SCHUFA.",[55,1520,1521],{},"The specifics of a loan without SCHUFA at a glance:",[399,1523,1524],{},[402,1525,1526],{},"No SCHUFA report required (possible even with negative SCHUFA)",[399,1528,1529],{},[402,1530,1531],{},"Often higher interest rates than a normal installment loan",[399,1533,1534],{},[402,1535,1536],{},"Loan amounts are often limited to 5,000 – 7,500 Euro per person",[55,1538,1539],{},"A loan without SCHUFA is therefore particularly interesting if you can no longer obtain a conventional loan. You should only use it if you really need money urgently. For financing wishes a loan without SCHUFA is usually too expensive. With our loan comparison we find tailored offers for you that do not unduly burden your wallet.",[89,1541,1543],{"id":1542},"why-is-a-loan-without-schufa-not-shown-in-normal-loan-comparisons","Why is a loan without SCHUFA not shown in “normal” loan comparisons?",[55,1545,1546],{},"A loan without SCHUFA is subject to some restrictions due to its conditions. For example, you can usually only receive loan amounts up to 5,000 Euro (with MAXDA up to 7,500 Euro). In addition, its interest rates are generally significantly higher due to the lack of security from credit checks. In a conventional loan comparison it would therefore automatically be listed much lower and would be uninteresting for many users. \\",[47,1548],{"align":49,"alt":1549,"provider":51,"size":52,"src":1550},"Loan comparison – loans without SCHUFA entry are available at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F34_warum-wird-kredit-ohne-schufa-in-kreditvergleich-nicht-angezeigt_50p_rechts.png",[55,1552,1553],{},"The main reason for its absence in conventional comparison calculators is that a loan without SCHUFA is often not provided by German banks. Cooperation with lenders from abroad is required for this. MAXDA has perfected this cooperation and can, with expertise and experience, broker particularly attractive conditions for loans without SCHUFA.",[55,1555,1556],{},"Our loan comparison contains numerous offers for such loans so that we can always find a suitable loan without SCHUFA. ",[47,1558],{"align":60,"alt":1559,"provider":51,"size":62,"src":1560},"Loan comparison – all questions clearly answered at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F35_haeufige-fragen-rund-um-kreditvergleich_100p.png",[39,1562,1564,28],{"id":1563},"frequently-asked-questions-about-loan-comparison",[43,1565],{"id":1566},"Kreditvergleich-Haeufige-Fragen",[55,1568,1569],{},"A loan comparison is now almost a necessity if you want to rely on low interest rates when choosing your loan. However, many individual questions arise that are very important for individual borrowers. For this reason we now address particularly common and relevant questions in more detail.",[89,1571,1573],{"id":1572},"is-there-a-loan-comparison-specifically-for-unemployed-people","Is there a loan comparison specifically for unemployed people?",[55,1575,1576],{},"A loan comparison for unemployed people usually does not exist. If you are unemployed and can only present your unemployment benefit as income, most banks will not give you a loan. However, there is an alternative that allows you to obtain a loan from MAXDA without an employment contract. ",[55,1578,1579],{},"For this you will need another borrower who acts as guarantor for you or as a second borrower. This only works if the guarantor or second borrower has the creditworthiness to obtain a loan. In this context they agree to be responsible for repaying the loan. ",[55,1581,1582],{},"Many lenders accept such an assurance, making the loan possible. With the MAXDA loan comparison you will find a particularly cheap offer that meets your needs.",[89,1584,1586],{"id":1585},"what-is-a-loan-comparison-with-instant-approval","What is a loan comparison with instant approval?",[47,1588],{"align":72,"alt":1589,"provider":51,"size":52,"src":1590},"Loan comparison – loans with instant approval available cheaply at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F37_was-versteht-man-unter-kreditvergleich-mit-sofortzusage_50p_links.png",[55,1592,1593],{},"A loan comparison with instant approval normally only includes loans for which you receive an instant approval. This is now the case with many online loans. You enter your income, employment situation and expenses in advance and receive an approval or rejection within seconds. If you can verify your information with the documents submitted later, you will receive the loan. Instant approval has the great advantage that you can already plan with the money and know that your project is feasible.",[104,1595,1596,1602],{},[107,1597,1598],{},[110,1599,1600],{},[113,1601],{},[128,1603,1604],{},[110,1605,1606],{},[133,1607,1608],{},"Tip: We also conduct a loan comparison with instant approval for you. In addition, due to our numerous cooperations, we can often mediate loans even in difficult cases. Contact us and we will find your tailor-made installment loan together!",[47,1610],{"align":60,"alt":992,"provider":51,"size":62,"src":1611},"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F38_welche-unterlagen-sind-bei-kreditvergleich-erforderlich_100p_mittig.png",[89,1613,1615],{"id":1614},"which-documents-are-required-for-a-loan-comparison","Which documents are required for a loan comparison?",[55,1617,1618],{},"A loan comparison itself is initially possible without any documents. We select from numerous offers those that match your performance requirements and are also particularly cheap. If you decide on a particular loan, however, you will need the standard documents for loan closing. These include:",[399,1620,1621],{},[402,1622,1623],{},"Pay slips for the last 2-3 years",[399,1625,1626],{},[402,1627,1628],{},"Bank statements (depending on provider)",[399,1630,1631],{},[402,1632,1633],{},"Copy of identity card (depending on provider)",[399,1635,1636],{},[402,1637,1638],{},"Any current other loan contracts",[399,1640,1641],{},[402,1642,1643],{},"Business management evaluations for the last 2-3 years (for self-employed)",[399,1645,1646],{},[402,1647,1648],{},"Income tax assessments for the last 2-3 years (for self-employed)",[55,1650,1651],{},"With these documents you prove that your income information is correct and that you are able to repay the desired installment loan. After submitting the documents and the signed loan agreement, the loan amount can be disbursed. ",[89,1653,1655],{"id":1654},"why-do-the-interest-rates-shown-in-the-loan-comparison-differ-from-the-actual-conditions","Why do the interest rates shown in the loan comparison differ from the actual conditions?",[55,1657,1658],{},"As already mentioned above, many loan comparisons initially show the minimum interest rates of certain banks. This is the interest rate you would receive as a borrower with top creditworthiness. Since such a definition is not uniform, the risk surcharges for minor or major creditworthiness deficiencies can vary accordingly. For this reason it makes sense to always look at the respective representative example to get a feel for a bank’s creditworthiness approach. This way you will find a cheap loan faster and can relieve your wallet.",[55,1660,1661,1662],{},"Calculate with our ",[1663,1664,1666],"a",{"href":1665},"\u002Fen","loan calculator!",[89,1668,1670],{"id":1669},"is-a-loan-comparison-free-of-charge","Is a loan comparison free of charge?",[55,1672,1673],{},"A loan comparison should always be offered free of charge. If a loan broker already charges money in advance for the comparison of offers, this is normally to be regarded as dubious. In such cases you should refrain from taking out a loan from the respective broker.",[104,1675,1676,1682],{},[107,1677,1678],{},[110,1679,1680],{},[113,1681],{},[128,1683,1684],{},[110,1685,1686],{},[133,1687,1192],{},[89,1689,1691],{"id":1690},"why-should-i-specify-a-purpose-in-a-loan-comparison","Why should I specify a purpose in a loan comparison?",[47,1693],{"align":72,"alt":1694,"provider":51,"size":52,"src":1695},"Loan comparison – cheap loans for every purpose at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F39_warum-sollte-ich-bei-kreditvergleich-verwendungszweck-angeben_50p_links.png",[55,1697,1698],{},"With loans without a fixed purpose it is possible to use the granted installment loan at your discretion. This flexibility is an advantage for normal consumer financing. However, for certain types of use special loans are offered or special conditions apply. As explained above, valuable assets such as cars can be considered collateral. This can make a special car loan cheaper than a conventional consumer loan.",[55,1700,1701],{},"Refinancing represents a swap of debts, so your creditworthiness does not deteriorate – a plus that is also rewarded with cheaper interest. With mortgage financing you cannot avoid naming the purpose. This is also because such loans are secured by entries in the land register.",[104,1703,1704,1710],{},[107,1705,1706],{},[110,1707,1708],{},[113,1709],{},[128,1711,1712],{},[110,1713,1714],{},[133,1715,1716,1717],{},"Tip: ",[279,1718,1719],{},"Tell us the purpose when you request your loan. This way we can search more specifically for suitable loans for you. Our loan comparison will then also include the respective special loans and we will present you with cheaper conditions!",[89,1721,1723],{"id":1722},"what-do-creditworthiness-independent-interest-rates-mean-in-a-loan-comparison","What do creditworthiness-independent interest rates mean in a loan comparison?",[47,1725],{"align":49,"alt":1726,"provider":51,"size":52,"src":1727},"Loan comparison – secure low-interest loans with MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F40_was-bedeuten-bonitaetsunabhaengige-zinsen-bei-kreditvergleich_50p_rechts.png",[55,1729,1730],{},"If you come across a loan in a loan comparison that specifies creditworthiness-independent interest rates, this simplifies your search. Creditworthiness-independent interest rates mean that the bank has not set an interest range based on creditworthiness. Every borrower receives the same interest rate. A certain minimum creditworthiness is often the only requirement.",[55,1732,1733],{},"Loans with creditworthiness-independent interest rates are especially interesting for you if you have only moderate creditworthiness. In these cases you do not have to be subjected to an interest range and pay far too much for your loan. If you have top creditworthiness, loans with creditworthiness-dependent interest rates are normally the cheaper solution for you!",[89,1735,1737],{"id":1736},"does-a-loan-comparison-have-a-negative-effect-on-my-schufa-check","Does a loan comparison have a negative effect on my SCHUFA check?",[47,1739],{"align":72,"alt":1740,"provider":51,"size":52,"src":1741},"Loan comparison without SCHUFA entry easily at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F41_wirkt-sich-kreditvergleich-negativ-auf-schufa-abfrage-aus_50p_rechts.png",[55,1743,1744],{},"The fear of negative effects from rate inquiries on your SCHUFA report was once justified. Back then bankers and comparison portals would request a credit inquiry every time they wanted to know the conditions for a customer. Multiple concrete inquiries during a loan comparison then did indeed negatively affect the scoring and worsen interest conditions. However, for several years now there has been the creditworthiness attribute \"Konditionenanfrage Kredit\" (condition inquiry loan). This has no influence on the scoring and is only communicated to other contract partners for 10 days. So you no longer need to fear that a loan comparison will have a negative effect on your SCHUFA report.",[89,1746,1748],{"id":1747},"what-does-payment-protection-insurance-restschuldversicherung-bring","What does payment protection insurance (restschuldversicherung) bring?",[55,1750,1751],{},"Many banks still offer so-called payment protection insurance in addition to their loans. This typically covers the following benefits:",[399,1753,1754],{},[402,1755,1756],{},"Repayment of the loan if the borrower dies during the term",[399,1758,1759],{},[402,1760,1761],{},"Repayment of the loan if the borrower becomes unemployed",[399,1763,1764],{},[402,1765,1766],{},"Repayment of the loan if the borrower becomes unable to work",[55,1768,1769,1770,804],{},"However, the latter two aspects are often subject to restrictions, such as only a certain number of installments being covered. In addition to the high costs, this is a reason why payment protection insurance is only worthwhile in certain cases:",[802,1771],{},[55,1773,1774,1777,1779,1780,804],{},[341,1775,1776],{},"1. Loans with a long term",[802,1778],{},"\nThe longer the term, the higher the risk that an insured event will actually occur. For this reason, payment protection insurance is more advisable for long-term loans. In this case the expenses for the policy are more likely to pay off.",[802,1781],{},[55,1783,1784,1787,1789,1790,1792],{},[341,1785,1786],{},"2. Very high loan amounts",[802,1788],{},"\nNot only the risk of an insured event is important, but also the magnitude. With low loan amounts it is often possible to repay the loan out of your own resources even in the event of unemployment or incapacity to work. High loan amounts make this much more difficult, so in such cases payment protection insurance is certainly not a bad solution. ",[802,1791],{},"\nBefore taking out payment protection insurance you should be aware that it is not part of the effective annual rate. You must therefore budget the costs of the policy in addition.",[47,1794],{"align":60,"alt":1795,"provider":51,"size":62,"src":1796},"Loan comparison – request cheap loans directly at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F43_mit-kreditvergleich-zu-guenstigem-darlehen_100p.png",[39,1798,1800,31],{"id":1799},"find-a-low-cost-loan-through-comparison",[43,1801],{"id":1802},"Kreditvergleich-guenstiges-Darlehen",[47,1804],{"align":49,"alt":1805,"provider":51,"size":52,"src":1806},"Loan comparison – professional advice on all loan offers from MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fkreditvergleich\u002F44_mit-kreditvergleich-zu-guenstigem-darlehen_50p_links.png",[55,1808,1809],{},"A loan comparison is an important and helpful way for all consumers to find cheap loans today. You can get an overview of the market and thus identify particularly inexpensive loans for your next purchase. In addition, the many offers can be filtered by certain features to obtain tailor-made loan solutions.",[55,1811,1812,1813,1815,1816,1819,1820],{},"We will gladly help you with our loan comparison to find the loan that fully satisfies you and does not unduly burden your wallet. We look forward to your loan request!",[802,1814],{},"\nSee also: ",[1663,1817,1818],{"href":1665},"Loan calculator",", ",[1663,1821,1823],{"href":1822},"\u002Fen\u002Ftopics\u002Floan-application","Loan application",[104,1825,1826,1830],{},[659,1827,1828],{},[662,1829],{"style":664},[128,1831,1832],{},[110,1833,1834],{},[133,1835,1192,1836,804],{},[802,1837],{},{"title":992,"searchDepth":1839,"depth":1839,"links":1840},2,[1841,1842,1848,1856,1861,1862,1866,1877],{"id":41,"depth":1839,"text":10},{"id":66,"depth":1839,"text":13,"children":1843},[1844,1846,1847],{"id":91,"depth":1845,"text":92},3,{"id":380,"depth":1845,"text":381},{"id":448,"depth":1845,"text":449},{"id":714,"depth":1839,"text":16,"children":1849},[1850,1851,1852,1853,1854,1855],{"id":727,"depth":1845,"text":728},{"id":777,"depth":1845,"text":778},{"id":819,"depth":1845,"text":820},{"id":992,"depth":1845,"text":992},{"id":995,"depth":1845,"text":996},{"id":1104,"depth":1845,"text":1105},{"id":1147,"depth":1839,"text":19,"children":1857},[1858,1859,1860],{"id":1156,"depth":1845,"text":1157},{"id":1195,"depth":1845,"text":1196},{"id":1360,"depth":1845,"text":1361},{"id":1418,"depth":1839,"text":22},{"id":1494,"depth":1839,"text":25,"children":1863},[1864,1865],{"id":1510,"depth":1845,"text":1511},{"id":1542,"depth":1845,"text":1543},{"id":1563,"depth":1839,"text":28,"children":1867},[1868,1869,1870,1871,1872,1873,1874,1875,1876],{"id":1572,"depth":1845,"text":1573},{"id":1585,"depth":1845,"text":1586},{"id":1614,"depth":1845,"text":1615},{"id":1654,"depth":1845,"text":1655},{"id":1669,"depth":1845,"text":1670},{"id":1690,"depth":1845,"text":1691},{"id":1722,"depth":1845,"text":1723},{"id":1736,"depth":1845,"text":1737},{"id":1747,"depth":1845,"text":1748},{"id":1799,"depth":1839,"text":31},"Information about loan comparison, also for people with poor credit",{"ctaHref":1880,"ctaLabel":1881,"image":992,"lead":1878,"title":6},"\u002Fanfrage","Apply for your desired loan now",true,"en",{},"legacy-topic","\u002Fpages\u002Fen\u002Ftopics\u002Floan-comparison",{"title":6,"description":1878},"Loan comparison also for loans without SCHUFA ✔ Top conditions even with poor credit ✔ Fast disbursement ✔ + Advice","Loan Comparison | Secure Low-Cost Loans | even without SCHUFA | 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