The civil service loan Nürnberger Versicherung has been around for a very long time. This used to be more of a repayment-free loan plus life insurance in which the monthly installment was paid. Only the interest was paid monthly for the loan. At the end of the term, the life insurance loan was completely repaid.
The problem with this construction was the high hidden costs of life insurance and a change in the taxation of life insurance. Therefore, the civil service loan today is more of a normal installment loan, sometimes with a term life insurance.
For a long time the official loan Nuremberg insurance was only possible in conjunction with a life insurance policy. Nowadays, the official can also take out the loan without this insurance. The customer can borrow up to 80,000 euros.
This can also meet great wishes. Since the term can be chosen up to twelve years, the monthly burden is very low. A rescheduling can be made with the loan.
A special repayment can be made once a year. Up to three special repayments during the term are possible. However, no rate breaks can be recorded. The customer has a 14 – day right of withdrawal after conclusion of the contract.
Who receives a civil servant loan Nürnberger insurance, enjoys many advantages. The application is very easy and can be done via the Internet. The processing of the application is very straightforward and the payment is very fast. Monthly rates are very low as interest rates are very low.
Officials can choose between three and twelve years. During the term, the interest rate will not change. Thus, the borrower can count on constant installment payments. The official may opt for supplementary insurance. This is not mandatory.
Furthermore, no purpose must be specified. Thus, the customer can use the money for a replacement of a loan, for a purchase or rescheduling. The most important advantage is that the private credit is not queried.
The official loan Nürnberger insurance can be applied for online. The customer receives a loan commitment within one to two days. There are no application costs. To be legitimated, the postident method must be used.
The payment is made in the Bank. If the customer wishes, another bank can be chosen. The documents of the customer can also be sent online to the Nürnberger.
Civil servants and civil servants can apply. Both the loan application and the credit processing is not associated with costs.
If the official already has a loan, he can use the civil servant loan Nürnberger insurance for a rescheduling. It should first be checked whether a prepayment fee arises when the old loan is redeemed early.
Then the suitable offer of the Nürnberger should be considered. Since no use has to be indicated, the rescheduling can be carried out for no reason.
The civil servant can save so much interest. When the loan was taken, interest rates might be much higher. With the official loan Nuremberg, however, many interest can be saved.
Customers can freely decide whether they accept the official loan of the Nurembergers with or without insurance. With a high loan amount, it may be useful to hedge additionally. For this a pension insurance is offered.
This unit-linked pension insurance guarantees favorable interest rates on the loan. There are bonuses, which is a big advantage for the borrower.
At the end of the term, these bonuses will be paid to the other party. Should the borrower die during the term, the remainder of the loan will be repaid in full. So relatives do not have to take on this residual debt.
In order to apply for the official loan Nuremberg, documents must be submitted. The Nürnberger needs the payroll. If the applicant is married, the salary certificates of the spouse are also required. This has the advantage that both salaries are calculated together. A higher loan amount can be taken up with it. Furthermore, the copy of the certificate of appointment to the civil servant is needed. If you are unable to provide this, you must provide evidence of the non-cancellability of the borrower and if there are current loans, you must provide proof of this with copies.
As with any loan, it is important that the repayment is guaranteed. So not only civil servants can apply for a civil servant loan Nuremberg insurance.
Even academics and civil servants have the opportunity. These can borrow up to 20 times the net income.
There must be a condition that the applicant is in a permanent position for at least five years. In addition, a life insurance must be completed.
This must be as high as the loan itself. Thus, the borrower and his dependents are sufficiently secured during their term.