Are you looking for an optimally designed loan for teachers ? Are you a civil servant?
Do you work as a hired teacher or teacher? Temporary or permanent?
The little questions serve as keywords. After all, loan offers for teachers can not be lumped together.
We present you some loan offers. We would like to animate you to actively compare interesting loans for you.
Credit for teachers – no matching loan for all teachers
Appropriate credit for teachers is not a blanket offer, with which every teacher optimally finances. Already a look at the college shows that many older teachers are civil servants.
For civil servants, the loan is a loan for borrowers with the best credit rating. Allied teachers are non-terminable and earn above average marks.
On top of that, your income increases constantly with seniority. Even retired teachers are literally rolling out the red carpet.
Until old age, officials can hope for the cheapest loans of all teachers. After the reform, teachers were “only” hired.
Income now regulates collective agreements for employees. But, remunerated work at state schools is still relatively good.
Nevertheless, credit for teachers in the employment relationship is not a loan with excellent credit. Employees can cancel the employer.
Father State has to take some hurdles. But compared to civil servants, the hurdles are low.
On top of that, many teachers no longer receive an indefinite contract. As a result, the credit rating for loans with a long maturity is noticeably reduced.
Credit tip – the optimal loan fits the credit rating
From his choice of career alone today no teacher can derive his personal credit rating. The personal credit rating nevertheless decides noticeably in the choice of offer and the lending rate.
A better estimate of their own creditworthiness is provided by the data according to which banks later decide on the loan. The Schufa offers a request for access to its own data set – once a year – free of charge.
Self-assessment provides reliable data. The search for the cheapest deal is no longer a game of chance.
Credit with a special rate – what should be considered?
Long-term credit was long considered an optimal loan for civil servants. The loan for teachers was basically the cheapest loan from the provider.
Today’s loan for public employees is inherently cheap. By evaluating the score, this advantage has been well balanced.
An excellent score results from the influence of all data. The bonus for civil servants is thus in the score.
The lending can be particularly favorable by the choice of an extraordinary low advertising interest. But, always keep in mind the representative example.
Low entry-level rates are linked to an excellent credit rating. What the bank recognizes as excellent, she sets herself.
If the 2/3 interest differs significantly from the advertising, it applies very hard criteria. The likelihood of obtaining even a particularly favorable offer is dwindling.
With a little common sense, you can see lock offers that hardly anyone can qualify for.
Official Loan – Long Term Loan
The term civil servant loan usually means the loan of a life insurance. In principle, the civil service loan is open to both civil servants and salaried state teachers.
The advantage of accepting credit for a life insurance teacher lies in the almost infinite duration. In short, the younger the applicant, the longer the credit can run.
Small monthly installments result from this credit variant due to the long term and the missing repayment portion. The loan is repaid by the sum insured.
To pay during the term, only the contributions and a majority higher interest rate. As in the past, the bottom line calculation does not work anymore.
Long maturities in the credit for teachers and fair interest, offer today as well as banks. With the expected repayment on the deadline, it is no longer so easy today.
Father State holds his hands wide and collects taxes. (In the past, the distribution of life insurance was tax-free). Gain, which previously provided for a return on interest in the future, hardly arises today.
Conclusion: All in all, therefore, it is hard to guess more about the official loan.
Solve credit problems – temporary teachers
Immediately at the first school, permanent employment, unfortunately, no longer awaits young teachers. In particular, teachers who apply to a private school or Fernuni, almost always expect a fixed-term employment contract.
Only work one school year, then the school management continues. Despite these difficult omens, bank credit is not impossible.
The simplest way of avoiding the problem of a secure employment relationship would be credit for second-rate teachers. In principle, the bank transfers the increased liability risk to the shoulders of the second, solvent applicant.
But, the loan would be viable, though the high risk of subsequent unemployment voted against lending. The second option for bank credit would also be a short-term loan.
If the repayment period is within the time limit, lending is no obstacle. Of course, this solution, the relatively low starting salary and a very short term, excludes higher loans.
A solution to the problem offers the change of provider.
Provider change – credit without the money of the bank
For the search for a fair interest loan, not only loans from banks and savings banks come into question.
Nevertheless, the credit opportunities are not high for all interested parties. In terms of credit for teachers, initially detached from the professionally determined credit rating, the good reputation of the teaching staff plays an important role.
Shaped by school time, each teacher pays a certain respect. Her word has weight, though it has not always prevailed in the classroom.
At the very least, the good reputation of the job profile and the wealth of experience create a basis of fundamental trust. After all, private investors decide according to their own criteria about private lending.
It is important to have a good gut feeling. Credit for teachers creates a good feeling of loyalty.
If the certificates do not fundamentally refute the good basic impression, the willingness to lend is high. This is true even if the desired loan for teachers has already been rejected by a bank.