Many consumers in this country take the opportunity to finance various purchases through a loan. Naturally, not only the self-employed, retirees and employees need capital but, more and more frequently, trainees already have to finance various expenditures through a loan. In particular, at the beginning of training is often not sufficient capital available to finance purchases such as a car or the first home furnishings themselves. As a result, trainees often have a need to provide funding.
Many banks have also recognized the need for trainees to finance various expenses through a loan. Therefore, there are now many banks that offer even a special loan for trainees. Such a loan for apprentices differs in some areas from a conventional installment loan, for example, for workers with a fixed salary. One difference, for example, is that the loan sums available for trainees are almost always much lower than for a standard installment loan. Frequently, the banks offer loan sums to trainees in the range between 1,000 and 3,000 euros.
The advantage for the loan for trainees is certainly that customers can already receive smaller amounts of credit, while it is usually the usual installment loan that the loan amount must be at least 3,000 euros. In addition, not a few banks are willing to offer trainees particularly favorable loan terms. Trainees, for example, can benefit from low interest rates and often agree on a flexible repayment, which often even includes possible repayment.
Even with trainees, it can sometimes happen that there is already a negative entry in the Fonlapa Wild. It must by no means always be a “grave offense”, such as an affidavit or a warrant, but a deliberately unpaid traffic ticket may for example already lead to a dunning notice, which in turn draw a negative entry in the Fonlapa Wild would. Most banks would not be willing to lend money to the client because of this negative entry. However, there are some providers, especially in the field of credit brokerage, who also offer trainees a loan without Fonlapa Wild. In most cases, the apprentice only has to prove that the existing training allowance is sufficient to repay the due loan installments.