The interest rates are historically low. But loans are hardly favorable. Which institutes offer the best conditions for rates, scheduling and call-loans.
Felt and factual reality are not always known to close. So also in terms of loans. 48 percent of adult Germans gave in a representative survey by market researcher ODC Services on behalf of the credit platform Smava on record that they were of the opinion that banks lent currently not sufficiently money to individuals and self-employed.
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The hard data association for general protection of credit protection (Schufa) for the first quarter of 2009 show a different picture. Thus, with financial institutions 30 percent more consumer loans were recorded over the same period last year. And not out of necessity. "The increased interest is in our view a significant consumer response to the offers of the market and stir despite the economic crisis largely not because of financial constraints out goods that have to be financed with loans," explains Rainer Neumann, CEO of Schufa