Loan for officials without Private credit

Overview - negative list

Are you looking at the offers on loans for officials without Private credit? You have probably already discovered promising advertising slogans. But, hopefully you will not believe the advertising.

We present the real offer for the only legal loan without Private credit from abroad. We would like to motivate you to compare. Because, if the foreign credit can be granted, your chances are not bad in Germany.

Credit for officials without Private credit – loss of credit

Credit for officials without Private credit - loss of credit

Hardly any financial crash can be more serious than looking for a loan for non-Private credit officials. Because, officials are usually rolled out the red carpet for credit requests. But, with negative Private credit, the bank shows its other side. The cold shoulder that otherwise only low-income families feel. On balance, regular credit – in the case of negative Private credit – is virtually excluded.

For all concerned only special offers remain. Either despite Private credit from Germany or without Private credit, but without Private credit either as a foreign credit, from a private circle of friends or the pawn shop. There is also no special government employee loan for non-Private credit officials. What the search for credit in large steps leads to advertising.

Private credit credit – advertising without borders

Private credit credit - advertising without borders

Private credit credit appears to millions of applicants the only chance of lending. Where there is a need, advertising is not far away. Can be found “by advertising slogan” is Private creditfreier credit up to 100,000 euros. Also requested within minutes and already paid. On request for any purpose and even as a housewife loan without income.

Unfortunately, the advertising has a “small flaw”. Many of the advertised slogans, most could even be said, are fictitious. Switched is the promotion of the loan without Private credit, which fulfills every wish, mostly via intermediaries. The goal of the campaigns is not necessarily to provide a loan. No matter what the chances are, an application should be completed.

Applications at any price – why?

Advertising flood and flood of applications may seem pointless, but they are not. The chance to get a straightforward and quick loan for non-Private credit officials is statistically very poor. But that’s not what some advertising intermediaries are concerned about. Much more lucrative can be the side business. Addresses provides the credit advertising.

Even without the slightest hope for credit can earn commission. Depending on the orientation of the business model with emphasis on insurance. Others sell capital investments, savings contracts or retirement plans. True to the motto – we take care of the credit, but “have you already been stoned”? The by-product business can be very lucrative.

Really dubious it is then the credit for civil servants without Private credit with prepayment. There is no credit, but a cheater fills his pocket comfortably.

Real offer – who is really in demand?

In fact, credit is awarded with negative Private credit. Therefore, a loan for officials without Private credit is not necessarily unrealistic. The civil servant status may even derive benefits under certain circumstances. Basically, this also applies to the domestic credit despite Private credit.Wanted by the Sigma credit bank and providers from Germany solvent repayment.

Solvent, not in the sense of the good Private credit, but certainly safe to pay. People who are in a stable and secure working relationship and who basically earn well. At the moment, you do not have to fear coercive measures, nor is your ability to pay for the loan in question. The bottom line is it’s just the negative Private credit that prevents regular credit.

Private creditfrei – by whom – special features

After the loan for officials without Private credit is searched in a desperate situation. The Private credit obviously can not be shaken off. With that, much of the money goes straight to the “utmost remedy” You seek the loan without Private credit. Unnoticed, however, you additionally restrict yourself. Without Private credit, as far as current research shows, only one bank can offer legal German citizens credit.

This is the Sigma Kreditbank from Liechtenstein. Your loan offer consists exclusively of three different small loans. Either 3,500 euros, 5,000 euros or 7,500 euros. Refundable always in 40 installments. But really without Private credit No Private creditabfrage the credit check and approved credit is also not reported.

Really necessary is the loan for civil servants without Private credit but only if the Private credit entry is still pending.

Request – only through intermediaries?

Request - only through intermediaries?

The application route can be via an intermediary. However, this is not compulsory. The bank provides all necessary application documents for download on your homepage. Just download, fill out and give the necessary documents by post. However, the application may only be submitted in the classic post-ID procedure.

In other words by letter. The costs are borne by the applicant itself. Unfortunately, it is not possible to put a credit inquiry online, as it does for intermediaries. If you would like to use this service, contact for example Bonkredit or Maxda. Additional costs do not arise with many intermediaries. They receive their success commission directly from the bank.

Fast credit without Private credit – what is it?

Advertising credit for officials without Private credit primarily satisfies the hope. Since most hope for a particularly fast procedure, you can easily find a no-frills loan. Unfortunately, however, only as an advertising slogan. The bank itself, and finally forgives the loan, does not offer any emergency loans. Only without the Private credit to check the loan request, is the offer.

The loan for officials without Private credit – as a rush credit – comes close to the mini loan. However, this is not granted without Private credit, but at most despite Private credit. Also, not as a installment loan, but as a short-term loan. First-time applicants are allowed to take on a maximum duration of 30 days from 100 Euro to 500 Euro. A possible provider would be Vexcash.

Incidentally, it is not the interest that is expensive on the express loan, but the additional costs. Once the lightning transfer and also, with negative Private credit, the credit certificate.

Interim conclusion – Credit for officials without Private credit

Interim conclusion - Credit for officials without Private credit

An explicit credit for civil servants or employees of the public service – without Private credit – that does not exist. Only the advertising combines the real offer with countless additional descriptions. Most of them are exactly the same as typical search queries. Housewife loans without Private credit, credit without creditworthiness and Private creditfreie home construction have nothing to do with the real offer.

Private creditfrei and legal the credit comes either from the circle of friends, from the pawnbroker or exactly one foreign bank. Certified for granting schafafree credit to Germans is the Sigma Credit Bank.

Application requirements – schail-free foreign credit

The bank awards debt-free credit exclusively to employees. This means that most officials automatically meet the first entry requirement. However, credit for officials without Private credit is not possible for life, but only up to 62nd birthday. Pensioners do not accept Sigma Kreditbank as a borrower. By the way, the official status is to be proven by the certificate of appointment.

Applicants must also be fully healthy and able to work. (Up to 10 sick days a year). Entries in the public debtor directory may not be available. So no Private credit free loan with affidavit, with arrest warrant or bankruptcy. Basically, the bank allows “pre-debts” to exist. You only have to be in line with your current income.

In addition, the employer may not have any assignment of income or garnishment. For, granted credit is secured solely by the assignment of labor income.

Overview – negative list

The requirements for the application for credit for officials without Private credit are clearly formulated. Our information comes directly from the bank. Effort and the time required to submit an application can be saved:

  • Applicants under the age of 18 and with the 62nd birthday
  • Interested parties who do not have German citizenship
  • entrepreneur
  • housewives
  • unemployed person
  • Applicant in sick pay terms
  • Interested parties with a time contract
  • with current notice
  • with employment assignment or garnishment
  • Applicant with entry in the debtor register (district court)
  • Interested parties with more than 10 days illness in the year (also with accident)
  • Over-indebted households

Advantages – qualified applicants

The biggest advantage of applying for a loan for non-Private credit officials is the total exclusion of Private credit. Basically, the Private credit thereby completely loses its influence on the credit decision. This is advantageous only in cases where the negative Private credit is in principle outdated. Only a registered debt, which is not yet fully balanced, prevents other credit options.

In addition, Sigma Kreditbank offers credit by mail. Thus a simple and discrete procedure. Approved credit will be transferred to the applicant’s account free of charge. So no money-cutting by transfer fees, as with some lenders “for Eilkredit despite Private credit”. The loan amount is small overall.

Therefore, the loan for officials without Private credit comes with small installments. 40 installments are also manageable. So no endless “paying off” the loan. In Germany, the Private credit does not recognize the credit. Therefore no “outing” in a roundabout way.

Private credit credit for civil servants – details

Credit without Private credit is not a mass product. The credit decision is based on the examination of the individual case. Depending on the loan requested, the requirements for lending vary. The Bank is already making distinctions as to how long the current permanent employment relationship must last. For 3,500 euro credit the lowest requirements apply.

12 months are enough for the current employer to qualify for the loan. By the special employment with the credit for officials without Private credit, thus no problem to qualify. Also no problem, to qualify for 5,000 euros, thus at least 36 months at the employer. Or 48 months for 7,500 euros credit.

Due to the usually quite solid payment, the required proof of income usually does not come in handy either. Please note, however, the individual maintenance obligations.

Credit for officials without Private credit – 3,500 euros

Credit for officials without Private credit - 3,500 euros

0 Maintenance entitlements = 1,150 euros net earnings / month
1 maintenance entitlements = 1,600 euros net earnings / month
2 maintenance entitlements = 1,850 euros net earnings / month
3 maintenance entitlements = 2,150 euros net earnings / month
4 maintenance entitlements = 2.500 Euro net earnings / month

Official loan without Private credit – 5,000 euros

0 Maintenance entitlements = 1.600 Euro net earnings / month
1 maintenance entitlements = 1,900 euros net earnings / month
2 maintenance entitlements = 2,250 euros net earnings / month
3 maintenance entitlements = 2,600 euros net earnings / month
4 maintenance entitlements = 3,200 euros net earnings / month

Private credit credit for officials – 7,500 euros

0 maintenance entitlements = 1,800 euros net earnings / month
1 maintenance entitlements = 2,100 euros net earnings / month
2 maintenance entitlements = 2.500 Euro net earnings / month
3 maintenance entitlements = 2,900 euros net earnings / month
4 maintenance entitlements = 3,400 euros net earnings / month

All information complies with the bank’s written requirements. They date from 2017. The foreign bank shows significantly more transparents than any other bank.

Alternatives to the loan for officials without Private credit

Alternatives to the loan for officials without Private credit

Basically, the profile of requirements for non-Private credit credit differs little from what Private credit says “real credit opportunities exist only if the borrower proves to be able to afford his loan. The credit for civil servants is also checked in the case-by-case examination, despite Private credit. However, including the Private credit data.

However, people with unpaid entry must expect the cold shoulder immediately. For everyone else, the negative entry is just one aspect of the credit check. In contrast to the loan for civil servants without Private credit, credit offers come from Germany despite Private credit. The financing is offered on a small scale, for example by Vexcash. (Mini loan or lightning loan).

In addition, syndicated loans from private investors (P2P) and bank credit are eligible for installment credit.

P2P loan portals

P2P loan portals

Real German credit for civil servants without Private credit can come from the private circle of friends. For, private lenders are basically not obliged to check creditworthiness. However, not as soon as credit is provided privately via loan portals. centiloan and Trucredit provide access to credit, even with negative credit. But, for the protection of the investors, not without the notice note.

How exactly the portals look in detail can be seen in the representative example. 5000 euros on “credit private” the centiloan variant, currently cost according to PAngV 7.85 percent APR. The same sum and maturity on Trucredit, however, 17.90 percent APR. (Also 2/3 example). In the middle is the bank loan.

Conclusion – credit for officials without Private credit

Special loans without Private credit, which are offered exclusively to civil servants, do not exist. Similarly, no real Eilkredit without Private credit or other fast-sounding slogans as a loan for civil servants without Private credit offered in reality a small loan, as far as known, legal for Germans only from the Sigma Credit bank. The credit requirements are relatively strict.

We therefore recommend the targeted search for a loan without Private credit only if the negative Private credit entry does not carry a notice of execution. In order to exclude further risks we also recommend the direct application without intermediaries. However, in most cases, where a loan can be granted for non-Private credit officials, alternatives are available.