[{"data":1,"prerenderedAt":288},["ShallowReactive",2],{"content-page:en:topics\u002Fpublic-sector-loan":3,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fimage-thumb__977678__auto_1f891bd5eb142807016c2634ecc9a380\u002Fwas-ist-ein-kredit-maxda.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":218,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fimage-thumb__977681__auto_1f891bd5eb142807016c2634ecc9a380\u002Fwelche-kreditarten-gibt-es-maxda.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":231,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fbeamtendarlehen-der-kredit-fuer-den-oeffentlichen-dienst-maxda.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":240,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fschufafreie-kredite-maxda.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":251,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fdie-bewilligung-beim-kredit-fuer-den-oeffentlichen-dienst-maxda.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":261,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fimage-thumb__977672__auto_1f891bd5eb142807016c2634ecc9a380\u002Frueckzahlung-beim-kredit-fuer-den-oeffentlichen-dienst-maxda.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":270,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fkredit-fuer-den-oeffentlichen-dienst-von-maxda.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":279},{"page":4,"alternates":213},{"id":5,"title":6,"asideNav":7,"backLink":32,"body":35,"description":198,"extension":67,"hero":199,"hidePageHeader":202,"locale":203,"meta":204,"navigation":202,"pageKind":205,"path":206,"seo":207,"seoDescription":198,"seoTitle":208,"slug":209,"stem":210,"translationKey":211,"__hash__":212},"pages\u002Fpages\u002Fen\u002Ftopics\u002Fpublic-sector-loan.md","Public Sector Loan",[8,11,14,17,20,23,26,29],{"href":9,"label":10},"#1","Loan for public sector employees",{"href":12,"label":13},"#2","What is a loan?",{"href":15,"label":16},"#3","What types of loans are there?",{"href":18,"label":19},"#4","Civil servant loan - The loan for public sector employees",{"href":21,"label":22},"#5","Loans without Schufa",{"href":24,"label":25},"#6","Approval for loans for public sector employees",{"href":27,"label":28},"#7","Repayment for public sector loans",{"href":30,"label":31},"#8","Public sector loans from MAXDA",{"href":33,"label":34},"\u002Fen\u002Ftopics","back",{"type":36,"value":37,"toc":186},"minimark",[38,45,49,52,57,60,63,69,72,75,80,83,86,89,92,97,100,103,108,111,114,119,122,126,129,132,135,140,143,146,149,152,157,160,163,166,169,174,177,180,183],[39,40,41],"p",{},[42,43],"span",{"id":44},"1",[46,47,10],"h2",{"id":48},"loan-for-public-sector-employees",[39,50,51],{},"What exactly is a loan for the public sector and who can apply for such a loan? What conditions are attached to a public sector loan and what advantages does it offer? MAXDA would like to answer these questions here.",[39,53,54],{},[42,55],{"id":56},"2",[46,58,13],{"id":59},"what-is-a-loan",[39,61,62],{},"A loan is the lending of a specific sum of money from the lender, i.e. a bank, to a borrower. The borrower must repay the money either in fixed monthly installments or within a specified time period. The bank can also charge interest and a processing fee so that its expenses are covered and the administrative effort is compensated. Each bank decides this independently and informs the borrower in advance.",[64,65],"content-image",{"align":66,"alt":13,"size":67,"src":68},"center","md","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fimage-thumb__977678__auto_1f891bd5eb142807016c2634ecc9a380\u002Fwas-ist-ein-kredit-maxda.png",[39,70,71],{},"Because the purpose of a loan can vary greatly, you cannot simply speak of a single type of loan; you must distinguish between different categories. These then differ in many respects such as interest rate, collateral and duration. The civil servant loan, also known as the beamtenkredit, is one of these different categories and can be used by employees who are employed as civil servants. The term, i.e. the duration of an installment loan, depends on the loan amount and the level of monthly payments the borrower can afford. The civil servant loan offers civil servants certain advantages that employees not working in the public sector usually do not receive from banks.",[39,73,74],{},"A loan comparison of the different categories is always worthwhile.",[39,76,77],{},[42,78],{"id":79},"3",[46,81,16],{"id":82},"what-types-of-loans-are-there",[39,84,85],{},"There are several types of loans. The most common is a purchase loan (Anschaffungsdarlehen). This is needed when there is not enough money available quickly but an important purchase must be made urgently. Under certain conditions a loan can be taken out to overcome a temporary financial shortfall. There is often the possibility to conclude this loan directly in the store or car dealership.",[64,87],{"align":66,"alt":16,"size":67,"src":88},"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fimage-thumb__977681__auto_1f891bd5eb142807016c2634ecc9a380\u002Fwelche-kreditarten-gibt-es-maxda.png",[39,90,91],{},"A particularly favorable type of loan is the mortgage loan (Immobiliendarlehen). This is usually secured by registering a land charge. This allows the lender to advance the funds with relatively little concern. In the event of a default, the lender can then fall back on the encumbered property and use its value to repay the loan. This can be difficult in some cases if the value of the property does not cover the financed need. Therefore, you should carefully consider your finances in advance so as not to find yourself in this situation.",[39,93,94],{},[42,95],{"id":96},"4",[46,98,19],{"id":99},"civil-servant-loan-the-loan-for-public-sector-employees",[39,101,102],{},"Another low-interest loan is the loan for civil servants and employees who work in the public sector. Often referred to as the civil servant loan. It is low-interest because this target group can demonstrate greater job stability (good creditworthiness and a secure employment relationship) compared to, for example, job seekers or workers employed on fixed-term contracts. The good creditworthiness or financial security provided by a steady income for civil servants or public sector employees is therefore a major advantage.",[64,104],{"align":105,"alt":19,"size":106,"src":107},"right","sm","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fbeamtendarlehen-der-kredit-fuer-den-oeffentlichen-dienst-maxda.png",[39,109,110],{},"The loan for public sector employees is also accessible to employees who can demonstrate more than ten years of company affiliation. The term of this loan can be up to 240 months, which keeps the monthly installments very low. A longer term helps to reduce the monthly payments.",[39,112,113],{},"But we can also offer loans to job seekers. For this, a solvent guarantor is required as security, who will cover the borrower's debts in the event of default.",[39,115,116],{},[42,117],{"id":118},"5",[46,120,22],{"id":121},"loans-without-schufa",[64,123],{"align":124,"alt":22,"size":106,"src":125},"left","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fschufafreie-kredite-maxda.png",[39,127,128],{},"An additional offering is the Schufa-free loan. Since we have been working for years on the European market with many domestic and foreign banks, we are one of the leading loan brokerage firms and can offer you particularly good and favorable conditions. The Schufa-free loan can therefore be granted because the loan is paid out by a foreign bank and the installment loan is not registered with Schufa.",[39,130,131],{},"\"Schufa\" refers to the credit agency that stores information about an individual's financial situation, i.e. creditworthiness. This can include opening a checking account, using a credit card, installment payments at a mail-order company or the repayment of other loans. From all this information, Schufa calculates your score value, which indicates in percent how likely the repayment of loans is.",[39,133,134],{},"If you ever get into payment difficulties, your score value drops and you have a so-called negative Schufa. But consumers are also to be protected so that they do not fall into debt through thoughtless conclusion of new loan agreements. Therefore, certain prerequisites are also necessary for our Schufa-free loan. Income should be at least 1130 euros.",[39,136,137],{},[42,138],{"id":139},"6",[46,141,25],{"id":142},"approval-for-loans-for-public-sector-employees",[39,144,145],{},"If you decide on a public sector loan, first submit a non-binding loan request. Your interest rate will then be calculated and, after accepting the offer, further information will be sent to you. You should also list all your income and expenses so that you ultimately know the amount you can borrow. Now sign the application and send it back to us with the required documents.",[64,147],{"align":124,"alt":25,"size":106,"src":148},"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fdie-bewilligung-beim-kredit-fuer-den-oeffentlichen-dienst-maxda.png",[39,150,151],{},"By post it is checked whether you are indeed the signatory. Everything is then checked again with the lender, and if this goes positively, you will receive the money either by cash on delivery or by bank transfer within a very short time. We can guarantee fast processing of loan disbursement.",[39,153,154],{},[42,155],{"id":156},"7",[46,158,28],{"id":159},"repayment-for-public-sector-loans",[39,161,162],{},"A loan for public sector employees is repaid in equal monthly installments. You decide whether you prefer the installments to be debited on the first or the fifteenth of the month. The total amount then includes all interest and the processing fee. By the way, the latter is only charged if your loan is approved.",[64,164],{"align":66,"alt":28,"size":67,"src":165},"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fimage-thumb__977672__auto_1f891bd5eb142807016c2634ecc9a380\u002Frueckzahlung-beim-kredit-fuer-den-oeffentlichen-dienst-maxda.png",[39,167,168],{},"Because customer satisfaction is very important to us, we do not charge any hidden costs; you will be informed of all costs incurred before signing the contract. If you want to repay the loan amount in full at once, this is no problem, as a full repayment of the loan amount is possible at any time without restriction. This type of repayment is called a special repayment and is usually quite spontaneous.",[39,170,171],{},[42,172],{"id":173},"8",[46,175,31],{"id":176},"public-sector-loans-from-maxda",[39,178,179],{},"We have been working internationally with many lending institutions for years and are among the leading loan brokers. Our independence allows us to filter out the best conditions for you.",[64,181],{"align":124,"alt":31,"size":106,"src":182},"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit öffentlicher Dienst\u002Fkredit-fuer-den-oeffentlichen-dienst-von-maxda.png",[39,184,185],{},"Let our competent staff advise you and find the perfect public sector loan for you. Even in difficult cases we do our best to find a solution. We work quickly and efficiently and will certainly not leave you out in the cold. Trust us and put us to the test.",{"title":187,"searchDepth":188,"depth":188,"links":189},"",2,[190,191,192,193,194,195,196,197],{"id":48,"depth":188,"text":10},{"id":59,"depth":188,"text":13},{"id":82,"depth":188,"text":16},{"id":99,"depth":188,"text":19},{"id":121,"depth":188,"text":22},{"id":142,"depth":188,"text":25},{"id":159,"depth":188,"text":28},{"id":176,"depth":188,"text":31},"Public sector loan ► Facts and tips about loans ✓ loan types ✓ without Schufa ✓ conditions ✓ loan comparison ✓ Learn more at MAXDA now!",{"ctaHref":200,"ctaLabel":201,"image":187,"lead":187,"title":6},"\u002Fanfrage","Apply for your desired loan now",true,"en",{},"legacy-topic","\u002Fpages\u002Fen\u002Ftopics\u002Fpublic-sector-loan",{"title":6,"description":198},"Public Sector Loan ▷ Overview on 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