Breast surgery credit – so easy, so fast!

It is not uncommon to say that beauty actually comes from within, but of course you also want to achieve the best possible appearance and of course feel beautiful yourself. For this reason, more and more women are taking out a loan for a breast operation, with which they can have their breasts enlarged, tightened or even reduced, depending on their own wishes and needs.

The credit for a breast operation falls under the medical loans and is usually treated as such by lenders. Thus, borrowers usually have a conventional installment loan from a credit institution as the first choice for financing breast surgery, but in individual cases, the successful application depends on both the situation and the creditworthiness of the borrower.

Full and well-shaped breasts with a loan

Full and well-shaped breasts with a loan

Since cosmetic surgery is generally very expensive, even if a breast operation is by no means a rarity in Germany, only a few women can pay for the entire operation without having to co-finance it in an alternative way. With a loan for a breast surgery, nothing stands in the way of the operation, even if your own cash or bank balance may not be enough for the surgery. The bank lends the borrower a loan for a pre-negotiated amount, provided the borrower has the necessary collateral or can provide alternative collateral. As a rule, the bank asks for the private credit bureau entry as well as information on account balances and regulated income when making the application. If these queries are successful, an installment loan will be distributed, which can be used to finance the breast surgery.

A suitable doctor decides in advance whether the affected woman is suitable for such an operation or whether health concerns can arise. Doctors who perform breast surgery are usually plastic surgeons or plastic surgeons or general surgery doctors. The choice of doctor is of course left to the patient, but one should keep in mind that a bank does not pay out too much credit for such an operation, especially if the loan amount is relatively large in relation to the income of the borrowing party.

Improved self-esteem thanks to a breast surgery credit

Improved self-esteem thanks to a breast surgery credit

Financing the long-desired breast surgery can not only help women improve their self-esteem, but can even create a completely different attitude to life. Of course, such an operation also harbors risks, but these are usually manageable. With the loan for a breast surgery, the dream of larger or even smaller breasts can finally be fulfilled.

Home loan: How to choose the right type of home loan

Classic or American mortgage

mortgage loan

The number one choice when buying a new home is usually a classic mortgage. This is a long-term type of special-purpose loan, the repayment of which is secured by collateral. You can only use a mortgage to buy a new home or renovate your existing house or apartment. Since October last year, however, the rules for obtaining a mortgage loan have been a bit more complicated. You must have at least 20% of the total amount you are planning to invest in your new housing in your own money. At the same time, the repayment of the mortgage and any other loans you have may not exceed 45% of your net monthly income.

Will you have a problem meeting the conditions? The solution for you could be an American mortgage. It differs from the classic in that it is a non-purpose type of loan. You don’t need to have your own savings to get it. For some non-banking companies, you may not even have to prove your income. All you need is your own property to be guaranteed.

When deciding which type of mortgage is best for you, be sure to bet on a US mortgage comparator. It will help you get an idea of ​​the offer on the market.

Building savings loan

savings loan

The big disadvantage of building savings loans is their considerable complexity, which prevents easy comparison of different types of offers. So it is difficult to find out whether in your particular case a building savings loan or a mortgage will be more advantageous. You should be interested in the interest rate and annual percentage rate, but these are not the only indicators. Also important is the method of repayment, which consists of several parts for building savings.

The first is the bridging loan, which is intended to bridge the time when the contract does not meet the conditions for granting a building savings loan. The first condition is to save 40% of the required amount of the loan, the second is the expiry of the period of two years from the establishment of savings. Therefore, the bridging loan repayment consists of the repayment and the interest repayment but does not contain the principal. In practice, this means that if you want to buy an apartment for 2 000 000 USD and you have not yet saved 40% of this amount, you will pay interest in the bridging loan of 2 million while you grow up.

By not paying the principal, however, the debt itself does not decrease at all. This phase then ends when the client fulfills both conditions and the bridging loan is converted into a regular loan. This is a very long and costly period, which is why the building savings loan is used rather than obtain smaller amounts, for example, for the reconstruction or refinancing of a mortgage loan.

As soon as the bridging loan is switched to proper loan repayment, the situation becomes very similar to mortgage payments. You pay interest and debt in one installment. The only exception is some savings banks, which minimized the bridging loan phase. In these cases, the entire repayment process is very close to a classic mortgage.

State loan for housing

cash loan

Last year, the state started offering favorable housing loans to young families through the state housing development fund. This type of loan can be used not only for the acquisition of a new house or apartment, but it is also possible to pay for the reconstruction. The main attraction is a favorable interest rate. This is determined by the unified trade reference rate, at least 1% pa The rate is fixed for a maximum of 5 years. The aim of the small Flat rate Box is to ensure that housing is accessible to young families while improving its quality. A government loan for housing looks like a great choice but unfortunately has several major limitations.

First of all, this type of loan can only be used by young people up to 36 years old who take care of a child up to 15 years old. The loan is purpose-built and can only be used for the construction of a family house whose floor area does not exceed 140 square meters. If you do not want to build, you can also buy a house with a home loan, but the same rule applies as for a new building, the floor space is limited. The maximum loan for a house is USD 2,000,000. However, you will receive no more than 80% of the cost of construction or purchase, the remaining 20% ​​will be paid from your own funds, mortgages or non-bank loans.

If you are considering buying an apartment, the area must not exceed 75 square meters. The maximum loan you can get for an apartment is USD1,200,000. As in the case of a family house, however, at least 20% of the price you have to pay from your pocket or other loans.

It is also possible to draw the loan for the modernization of housing. Here the amount can range from USD 30,000 to USD 300,000.

The maturity of the loan may also be restrictive. If you borrow for renovation and modernization, the loan maturity is ten years. If you are buying new housing, you must repay the loan from the State Fund within 20 years.

It is clear from the resulting conditions and constraints that this financial product is intended rather for financially weaker families. A stable income family with some cash saved usually prefers to use classic or American mortgages, rather than having to restrict themselves to well-defined square meters. At the same time, these loans are not a good choice in larger cities where you are far from sufficient for a new home.

Is a travel credit card or a travel loan better?

If you plan to travel abroad, you must take into account several details before embarking on the adventure that this entails. That is why, in this article, we will address those doubts that you may have, in a simple and fast way so that you can understand everything without any problem.

How to get money abroad?

How to get money abroad?

When we travel to another country, something that, without a doubt, can worry us is how to get money abroad and, that is why, here we show you the solution.

Taking money abroad is no odyssey, since we have more than one option when it comes to wanting to get some cash. These options include the simple fact of approaching any ATM and withdrawing money from it, but for that, it is clear that we need to have, as a most recommended option, a travel credit card, since these will benefit you in the long run, Later we tell you why.
In addition to this option, we can always see if there is a branch of our personal bank in the country we are in, which will provide us with the cash we need without commissions.

Where can I get cash abroad without commission?

Where can I get cash abroad without commission?

This is a question that many people have asked themselves for a long time, and that is that the commissions have never liked anyone because, normally, they involve paying extras that are sometimes exceeded.

Travel credit cards offer benefits such as taking money abroad without commission, something that in other countries is very helpful, but where should we get cash in other countries? Well, without further ado, at any ATM in the city where we are , since, normally, these cards have agreements to be exempt from commissions, so, regardless of the cashier you use you will not receive any commission.

Is a travel credit card or a travel loan better?

Is a travel credit card or a travel loan better?

This is one of the questions that are around our head when we are going to travel to another country, so, the best way to choose between one or the other is to keep in mind that each of these will offer us.

Well, a travel credit card will allow us to buy and pay without using cash, withdraw money abroad, pay our expenses by installments, get discounts at those companies that are affiliated with your card or that collaborate with this and also enjoy travel insurance and assistance.

Instead, a travel loan will allow us to have as much money as we need within our reach, a way to easily pay if we ask for a credit card, you will be able to access the money in less than a day if you manage online and, these loans They are so flexible that you won’t need to change banks.

The problem with these loans lies in us, because if we do not control the expenses, we can risk spending more than we had thought and end up in debt. On the other hand, we will have to pay for the credit we use and if we get money in other countries, the bank that owns the ATM can charge us a commission to make use of it.

Based on this, we would tell you that travel credit cards are the most viable option, since the benefits they bring you are many and hardly have any disadvantages. Even so , travel loans can also be a better option if your situation is very specific and, for example, you need to quickly access a lot of money, something that travel credit cards do not offer. So from here we tell you to analyze your situation and choose what is best for you.

Recommendations to get cash abroad and to finance travel

Recommendations to get cash abroad and to finance travel

As we have already mentioned, travel credit cards offer you benefits such as taking money abroad without commission and, that is why, our recommendation is that you always carry one of these in your pocket. On the other hand, you can also contract personal loans online to have money abroad without having to take it out of an ATM, as countries always allow you to put a minimum of cash.

Although, if this is not possible, online you can access fast credits, so that, if you are already in that country and you have little money left, you can get money in a very short time. These are all options that will allow you to finance your trip in case you do not have enough capital to do it directly.