If you have a checking account and deposit with comdirect, you can also make online loan inquiries. Loan applications for mortgage loans also work online at comdirect. You can apply for your desired Commercial Bank loan online from the comfort of your own home. An immediate, non-binding credit decision follows. But: The credit decision for an on-line credit of the Commercial Bank is only provisional.
Commercial Bank preferred loans
The Commercial Bank Desire Loan is aimed primarily at people with regular earnings and achieves very flexible bond terms. Above all, the maximum amount of 80,000 is unsurpassed and can be regarded as a clear advantage. Even with these loans, the short lead times and the uncomplicated and fast online application convince.
Here, too, with sufficiently good creditworthiness, loans with high creditworthiness are available at relatively favorable terms. is one of the major credit institutions in Germany. Commercial Bank serves more than one million corporate clients and corporate customers, more than 10 million private customers and over 5,000 banks.
In addition to the traditional branch network, private customers in particular can benefit from online offers. Increasingly, loans are increasingly being granted online to private customers. The Commercial Bank loan is a classic online installment loan business. This depends on the creditworthiness and only for people with permanent employment and regular earnings a serious possibility. The loan is free of charge, and also the great freedom of design is convincing – both in terms of the loan amount and the financing condition.
With a very good credit rating, accordingly, good interest rates are possible, for example, from an annual percentage of 2.95%. Another advantage is the rapid processing of applications and the immediate, prior decision on lending. On request, a non-payment insurance can be closed, but has no influence on the outcome of the credit check. Representative example of credit – two-thirds: Two-thirds of all borrowers are granted an effective annual interest rate of 6.95% at Commercial Bank with a net loan of USD 6,000 and a remaining term of 36 months.
The total amount of the loan is thus 6,643.61 USD. Self-employed persons, partners or shareholders are currently not included in the installment loan business of Commercial Bank. The loan offer is therefore directed only to employees or employees with regular salary. You can apply for your desired Commercial Bank loan online – from the comfort of your own home.
An immediate, non-binding credit decision is available.
Upon receipt of the signed and fully completed loan application with all necessary documents and supporting documents, a final credit check will be carried out. If the result is positive, the loan will be rewritten within three to four days. Potential borrowers can submit a first order online. In the provided credit calculator, the applicant selects a loan amount; as a second option either the duration or the sum of the monthly rate can be specified.
Subsequently, personal and financial information (revenue – expenditure) must be provided, after which the application is forwarded to Commercial Bank. An immediate, not yet binding credit decision is available. If a loan is possible in principle, the applicant now receives a separate loan offer. A final examination of the application will only take place once all the necessary documents have been submitted and the applicant’s identification has to be certified in advance (post-identification procedure).
Fixed interest rate
Yes, it is a fixed interest rate offer that will last for the life of the loan and can not be changed. Is the credit worthiness checked and does this affect the supply? The creditworthiness is checked, this also has an effect on the loan interest and thus on the borrowing costs. In addition, no credit is granted for negative Credit bureau entries.
What are the necessary conditions for the application? Personal as well as income and expenditure information are requested, as well as job-related statements. What are the documents required for the loan application and the loan completion? Is an early repayment of the loan possible? The withdrawal period for the installment credit is 30 days and thus exceeds the statutory 14-day period.
The cancellation policy must be declared in writing and the total amount of the loan repaid. The loan itself can be used for debt debt restructuring as there is no purpose to be specified. The same applies to the repayment of existing loans at another house bank.