Loan in the first month of training?
Hello,
I have a question. Can I take out a loan in the first month of training (€1,500)? Banks usually require at least the last three pay slips, but I'm still in my first month of training and have only received one salary. I need the money for an important repair on my car. I can't and don't want to ask my parents, since they already contributed more than half of the cost to me when I bought the car.
It would be really nice if I could get serious suggestions/answers 🙂
(1 votes)
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There are extra training loans. For example, from the loan facility for reconstruction (KfW). At present, the annual interest rate is significantly more favourable than normal credits, with an effective 0.62 percent.
Right, training credits! But they are not meant for an auto repair.
Hello Mfkf2905,
Of course you can borrow. The only question is whether someone gives you the money.
You’re still in the trial period and have a car that needs to be repaired urgently – I’m afraid you don’t find anyone – at most your parents.
The other way would be to transfer the dispo to your current account. It doesn’t make it cheaper.
If you have another value, you can try it in the Pfandleihhaus.
Good luck!
Karliename
You have to save yourself something and don’t do anything else!
Funding credits at best finance part of your living costs during
Repairs of maroder vehicles are not included.
Go and ask and explain what … and then hope for understanding… can work – but don’t have to!
With a parent as a Bürgen zb significantly more likely
You are still in the trial period, so it will be very difficult for you to get a loan. Furthermore, the credit will probably become very expensive as you lack history at Schufa and Co.
It doesn’t make a bank. So think about alternatives. Bus instead of car? Driving community? Next job? Jewellery, cell phone or PC in the Pfandleihe? “Private loan” from friends or family?
No, it won’t be a bank. You don’t even have a fixed spot, because you’re still in the trial period.
If you don’t get a loan…you have to ask someone… how you would have said yourself, you wouldn’t even have a car, so what would you do?