Intended use for loans.

The intended use essentially determines the type of loan. Installment loan, credit line and variants of the real estate loan are available for various purchases and investments. While the credit line is more of a short-term loan model for moderate loan amounts due to the higher interest charge, the installment loan is also suitable for large loan amounts and very long terms. Installment loans can in turn be divided into earmarked loans with favorable terms and non-dedicated loans with high flexibility.

Credit for shares

Credit for shares

Shares can be a profound investment if the investor is familiar with it or if the custody account manager leaves it to experts. A framework or installment loan is ideal for the first small investment in securities. There is also the classic securities loan or custody account loan, where the shares serve as collateral.

Loan for old building renovation

Loan for old building renovation

Old building renovations really cost money. The adaptation to modern standards in compliance with legal templates can require sums in the high five-digit range. Here, renovation and modernization loans with a long term are available, which can also be combined with government funding for measures such as energy-efficient renovation or barrier-free conversions.

Loan for eye surgery

Loan for eye surgery

Glasses and contact lenses are not for everyone. Especially in the case of ametropia and increasing age, eyesight deteriorates at shorter intervals, which also means that there are always costs for new visual aids. An eye surgery can shut this cycle down, which is why more and more people are taking out an installment or framework loan. The average cost is around 1,000 USD and can be financed through a small loan for the eye surgery.

Car loan

car loan

The car loan is the classic among earmarked installment loans. It is available on favorable terms for the purchase of cars, motorbikes and motor homes, as new and used car vehicles. The Lite bank letter is often kept as security, although more and more direct banks are now dispensing with this document. The car loan can be realized through dealer financing or a car loan from car banks and free banks.

Car repair credit

Car repair credit

Car repairs are not always peanuts. Sometimes they devour a full monthly salary or even more. In order to avoid a huge hole in the household budget, a loan for car repair for free use or a credit line is available to cover costs. Here, decisions should always be made in individual cases and by comparing conditions.

Loan for bathroom renovation

Loan for bathroom renovation

Outdated equipment, dilapidated water pipes, defective sanitary facilities and barriers are reasons enough for a bathroom renovation. Such measures cannot be paid from the postage account and reserves are often not sufficient. Depending on the cost analysis, a renovation / modernization loan or a non-dedicated loan for bathroom renovation can be considered. Cream Bank funding for barrier-free bathroom renovation should not be disregarded.

Credit for boat

Credit for boat

Loans are also there to fulfill special requests. A boat is one of them. Depending on requirements, type, size and equipment, the cost range can be in the four to six-digit range. An installment loan with long terms and no purpose can fulfill this wish as well as a special boat loan at interesting conditions, which is available from specialized providers.

Credit for glasses

Credit for glasses

Gone are the days when glasses were still paid for or subsidized by the statutory health insurance companies. Today the consumer pays the new visual aid out of his own pocket. The right glasses alone can cost between 200 and 800 USD, plus the glasses frame. A small loan, as a framework or installment loan, enables the new glasses to be financed with a loan in a way that is budget-friendly.

Credit for breast surgery

Credit for breast surgery

Breast enlargement or reduction can become a major issue for women. Behind this are often physical, psychological or aesthetically stressful problems, only a few of which are recognized as medical indications and paid for by health insurance companies. A credit for the breast surgery is a financing solution for the mostly costly operations, whereby both a framework and an installment loan with no intended use are possible.

Credit for a carport

Credit for a carport

Protecting the vehicle from the weather has not only practical, but also insurance-related reasons. Inexpensive carport models are available from as little as EUR 300. For optimal stability and effective protection, models in the four-digit range are the better choice. With an installment loan for free use, alternatively a framework loan, you get cheap carport financing.

Computer loan

Computer loan

The acquisition of a computer can be done for private reasons or it can be indicated for professional / business reasons. The acquisition costs depend on the type of computer, additional components, software. Overdraft facility, framework credit or installment loan can be the suitable financing option. For self-employed persons and freelancers, an investment loan / working capital loan is recommended for tax reasons, since the interest can be used to reduce profits.

Loan for roof

Loan for roof

Roof repairs, new roof coverings, roof renovations, loft conversions, solar roofs – the concrete uses of the loan are manifold. Apart from a smaller roof repair, the other measures are associated with high costs. With an intelligent roof loan or a Cream Bank development loan, depending on the measure, also in combination, cost-intensive projects can be realized.

Overdraft facility credit

Overdraft facility credit

The overdraft facility runs the risk of permanently pulling the current account into the red. It is of the nature of a credit line, but usually with significantly higher interest rates. To finally get out of the minus, an installment loan or a cheaper call credit for overdraft facility is the best solution.

Loan for precious metals

Loan for precious metals

Investing in gold is an excellent investment, as this precious metal has the greatest stability of value compared to silver or copper and generates a good return. Both installment loan and credit line are suitable for financing the precious metal investment. Without background knowledge or sound investment advice, borrowing for gold or silver carries risks, keyword: investment fraud.

Credit for windows

Credit for windows

Old windows are a waste of energy. The exchange of windows brings not only energy, but also financial advantages. There are grants and cheap promotional loans for energy renovation from the Cream bank that support window renewal. Other options include construction / renovation or renovation loans as a window loan.

Credit for driver’s license

Credit for driver

There are many ways to get a driver’s license credit because your own financial resources are not always available or are provided by the legal guardians. A small loan up to a maximum of 2,000 USD is sufficient and is available as an installment loan, a personal loan, a loan without a Credit Bureau or a driver’s license loan from the employment office, depending on the target group and income situation.

Credit for wedding

Credit for wedding

It is not uncommon today to take out a loan for your own wedding or that of the adult children. Honeymoon trips are also increasingly financed through loans. Of course, nobody should go into debt for this reason, which is why the budget should be calculated appropriately. A usage-free installment loan is the preferred variant for the wedding loan. Money gifts for the wedding can be invested in the repayment.

Credit for kitchen

Credit for kitchen

A new kitchen costs a lot of money, especially if it is made to measure. The dealer financing of well-known brand kitchens is very popular, and there is also a non-dedicated loan for kitchen financing, with which the buyer can pay cash in the shop and thus negotiate an extra discount. Attention should be paid to so-called 0% financing.

enovation loan

renovation loan

Larger renovation measures can hardly be carried out today without a loan. Special renovation and modernization loans for property owners as well as promotional loans and grants from Cream Bank offer special conditions. Alternatively, a long-term installment loan can be used freely.

Loan for debt rescheduling

Old loans with equally outdated conditions and unadjusted interest usually cause high costs. Debt restructuring is worth it in 90% of all cases. Debt rescheduling loans are offered by all banks, and most of the formalities are carried out by the credit institutions.

holiday Credits

holiday Credits

Vacation is important for body and soul. But in addition to all the living costs, which are constantly increasing, there is often no money left for a vacation trip. Vacation on installments through a cheap vacation loan is not reprehensible as long as it is affordable. Tour operators also offer travel finance, which are, however, often more expensive than consumer credit.

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