Curious as to which loan form best fits your situation? At Directgeld-lenen.nl you can easily discover and compare different types of loans and loans. In this way, everyone ultimately finds the cheapest loan with the best conditions.
What loan forms are there?
- Mini Loan
- Revolving credit
- Personal loan
- Business loan
Which loan suits me?
Sometimes you are (temporarily) unable to prove a payslip or permanent contract with the bank. Or do you have a negative BKR registration in your name? It does not make it easier to borrow money from a regular bank. Fortunately, you can always borrow money in the form of a mini loan.
Everyone in the Netherlands can apply for a mini loan. The name says it all: you borrow a relatively small amount up to € 1500. You then repay this amount in a short period of maximum 64 days. The big advantage of a mini loan is that it can be applied for online within a few minutes, without the need for all kinds of paperwork or BKR checks. If your application is approved, you will receive the money in your account the same (working) day.
If you can use some extra financial space temporarily, or think you need money more quickly, the revolving credit is the appropriate form of loan. With a revolving credit you take out a cheap and reliable loan that offers you a lot of flexibility.
Together with the lender you determine to what credit limit you want to be able to withdraw money. You can withdraw any amount that you have already repaid once the costs turn out to be slightly higher. You only pay interest on the amount that you actually borrowed. If you have money left at the end of the month, you can choose to repay extra for free.
Did you know that the revolving credit is also the ideal loan when it comes to borrowing money for a renovation ? When you decide to renovate your house, it is difficult to estimate in advance what the total costs will be and how long you will need the money. With a revolving credit it is possible to withdraw the money that you had repaid, just in case this is necessary. It also does not matter when you have finally repaid the loan in full.
Borrow money for the purchase of a car, renovate your kitchen or make another major purchase? With the personal loan you can easily finance a large amount in one go without having to claim your savings. It is a well-arranged financing whereby you know exactly where you stand every month.
The personal loan is the most reliable and clear form of borrowing money. This is because it is agreed in advance what the duration will be, what the limit is and what interest you will have to pay. The amount that you decide to borrow is immediately and fully deposited into your account. So you can use it immediately.
Did you know that the personal loan is the most chosen financing when it comes to purchasing a car ? When you decide to buy a car, you already know the total amount and therefore how much you will have to borrow. You will receive this amount directly and in full on your account. The dealer can be paid immediately and you are also the owner immediately when you leave.
Now is the time for a company bus or renovation of the building? Then you can choose to finance this with a business loan. You now invest in your company, while the investment will eventually earn itself back. This while you pay a small amount each month.
When taking out a business loan, you prepare an agreement with the provider. This includes the term of the loan. You determine this yourself and adjust it to your needs and the investment objective. You will actually use the money that you borrow for that purpose as laid down in the agreement. Often the providers in this agreement also want to establish collateral. You can think of real estate, supplies or machines.
Applying for a business loan is very easy nowadays. It is arranged within 5 minutes and often the amount of money is in your account within 24 hours. The business loan can also be taken out if you come across a loan with a lower interest rate somewhere else.