Merging loans can save you a lot of money. If you are going to take out a loan, it is therefore wise to immediately look at your other current loans. Do you often have a debit on your checking account? Do you pay per month at the Wehkamp and your credit card? Then chances are that you have done a lot in the past to borrow money quickly. Or at least lend to money easily. Unfortunately, this is not the cheapest way to borrow money. Did you know that you have to pay up to 14% interest on these expensive loans? Combining your loans can be the solution.
|Personal loan||Revolving credit||Mini Loan|
|From 4.1%||From 4.4%||Maximum € 1500|
|Fixed interest||variable interest||No BKR assessment|
|from 21 to 69 years||from 21 to 69 years||from 21 to 70 years old|
|Payment within 2 days||Payment within 2 days||Payment within 24 hours|
|Apply for a personal loan||Apply for ongoing credit||Apply for a mini loan|
Merging loans has several advantages. In addition to the advantage of saving a lot of money, you also create more overview when merging loans. All loans under one roof and also at a lower monthly installment and a lower interest rate. This sounds simple, and often it is. In addition, they have an AFM license and are obliged to act in your interest. Including loans does not cost you any money. The advice on borrowing money is always free. Of course it is always wise to request multiple quotes. Comparing loans can save you even more.
Merge loans? What do you have to pay attention to?
Merging loans as indicated is actually quite easy. There are 2 things you should really pay attention to. That is firstly the interest rate, and secondly the total costs for the loan. If you keep a close eye on this, not a whole lot can go wrong. These two elements determine what your loan would ultimately cost you.
Merge loans with BKR registration
Borrowing money without BKR testing is of course difficult. This is no different with merging loans. Yet there is one big advantage nowadays. And all thanks to the AFM. If you wish to transfer your loan with a negative registration to the same bank. Then the bank is nowadays obliged to cooperate in this. It is not that they are required to make your loan more profitable. But they must at least think along with you. If the bank does not cooperate, they must have a clear reason for this. Including the loans is not an obligation for the bank. It is sufficient if they only take advantage of a more advantageous transfer of the loan with them.