The official loan that Hamburg-Mannheim
This financing model that Hamburg-Mannheim offers conditions, which will otherwise hardly find you!
They dream about a new car, furniture or a long planned journey? Or the conversion of debts of existing credit obligations. With the official loan that Hamburg-Mannheim financiers we your desires and you your dreams help to realize.
All advantages on a view
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How does the official loan function?
They get the loan amount disbursed, at the same time a capital life insurance in same height are locked. At the end of the running time by the life insurance the loan is not only erased, but you keep beyond that the surplus participation disbursed.
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Additional security
By the financing over a capital life insurance your family is secured in the death. At the time of conclusion of a serving and/or an inability to work additional insurance continues counting Hamburg-Mannheim in the case of achievement the insured sums for it.
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Who can lock an official loan?
An official on lifetime, university graduate as well as employee of the public service in as fixed in the tariff employment conditions not subject to notice.
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Loan height and running time
You determine the loan height - from 5,000 euros to 100,000 euros. The running time can be selected freely by 12 to 20 years.
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Free intended purpose
They can use the loan freely. All installment credits must be replaced, mortgage loans are of it concerned.
The official loan is suitable outstanding for the conversion of debts of existing credit obligations.
Arithmetical example
In the following arithmetical example amounts the surplus participation with a loan amount of 30.000 € to presumably 10,587, 84 € 1) 4), which come at the end of the running time for you to the disbursement.
Example: 30 years, male, loan amount of 30.000 €
| Official loan | Bank | |
|---|---|---|
| Amount of credit | 30,000 euros | 30,000 euros |
| Running time | 20 years | 6 years |
| Interest rate (nominal) |
6.69% per annum 2) |
8.25% per annum. |
| Interest rate (effective) | 6.95% per annum 2) | 9.37% per annum. |
| Handling charge | None | 2% |
| Insured sum | 30,000 euros 4) | 30,000 euros |
| Surplus participation | 10.587, 84 euros 1) 4) | - |
| Monthly interest | 167.25 euros 2) | - |
| Monthly LV-contribution | 123.44 euros 3) | - |
| Monthly total cost | 290.69 euros 2) 3) | 540,05 € at 100% disbursement |
1) The values counted on the basis for the year 2008 fixed surplus portions have a hypothetical character. They are to be regarded despite the representation accurate on euros only as noncommittal example. Please consider that we cannot foresee, how the surplus participation in the future will develop. Our computations are from there all the more uncertain the further they lie in the future. An individual model calculation we put to you at the disposal when desired.
2) Conditions: 07.03.2009
3) Without inclusion of the inability to work additional insurance
4) In the disbursement time one becomes capital return expensive on the yield free of income tax (zzt. 25%) zzgl. SolZ. retain and to the tax office exhausted. This capital return expensive departure is only a pre-payment on the later income tax debt.
Consultation official credit
Gladly we advise you by telephone free of charge under: 0800 - 300,800 1
noncommittal and free credit offer request