Swiss credit for Germans

For a long time there were only dubious offers when it came to Swiss credit for Germans from abroad. To be sure, it was popular on everyone’s lips and, above all, on those who had financial difficulties and a negative reputation.

But those who have seriously gone in search of a suitable loan offer, had to quickly realize that while various “credit intermediaries” wanted to take care of it, but it often remains. Because there was no credit, but there were additional costs that had to be dealt with.


What is a Swiss loan for Germans?

What is a Swiss loan for Germans?

The question of what it actually is in a Swiss credit for Germans, is quite justified. As a rule, foreign loans are aimed at consumers who do not receive credit within Germany due to a negative Schufa.

However, only the Schufa may be the sticking point in borrowing. Unemployment, insolvency or other obstacles must not be present.

These would then also prevent the inclusion of a Swiss loan for Germans. Even self-employed people or freelancers – even if they can prove good income – will not be able to claim Swiss credit for Germans.


Where is he taken?

credit loan

It is often said that there are various banks abroad that provide a Swiss loan for Germans. But if you look closely, you will notice very quickly that most of the offers are from a single bank.

The bank offers the possibility to take out the loan without an intermediary. As a credit-interested one can thus make the loan application directly at the bank and does not have to go the detour via the intermediary.

space Selected loan amount monthly rate offer 1.) 210,678 times 3,000 dollars from 37 dollars to offer 2.) 186,731 times 10,000 dollars from 122 dollars to offer 3.) 106,248 times 1,000 dollars from 12 dollars to offer 4.) 94,578 times 5,000 dollars from 61 dollars to offer 5.) 58,656 times 120,000 dollars from $ 1,429 to offer 6.) 55,724 times 7,500 dollars from 91 dollars to offer Explanation: So often, the respective loan offer was selected in the last 30 days by our readers. As of: 23.09.2019

This is not only faster, but is also much cheaper. In addition, the Sigma Kreditbank has described on its website, all processes and conditions around the Swiss credit for Germans very accurately.

As an interested party, you do not have to search long for the facts about the offer, but can easily read it there. Without prior registration or commitment.


What can be expected?

financial loan

Since it is a schufafreien credit, the interest rates are slightly higher than in classical credit offers from Germany. Whereby the interest burden can also be quickly raised if the credit rating is not optimal.

Three different credit sums are offered. In general, only a small loan up to 7500 dollars is possible.

The repayment starts 2 months after taking out the loan and lasts exactly 40 months. No matter which loan amount you choose.

The interest rate is not variable, it is not credit-dependent. Special repayments or early repayment of the loan are not provided, but can be requested.

It would be important, however, that these two aspects are also noted in the loan agreement so that they do not incur unnecessary costs in the event of their use. All in all, therefore, can be expected with a round offer, which is fair and is geared to the requirements of the borrower.

Online bad credit loans

Online loan bad credit -Loans available for bad credit: secure online application

Loans available for bad credit: 100% Secure Online Application

Applying for a loan available for bad credit is easy at Green Start. If you complete the application form as completely as possible, we will get to work immediately for you. The more complete the application form is, the better we can assess your application. Applying for a loan takes a few minutes of your time, and we will ensure that it has been worth your time. 

If we have received your loan application, we will start as soon as possible to get the best out of you.

In some cases we will contact you for additional information. Our approach is always to get the most out of it. We want the lowest interest and excellent conditions for you so that you get a loan that you feel good about. Even when the loan is taken out, we will be happy to keep in touch with you.

Do you already have a loan?

Already have a loan ? But do you need some extras? Then we will check for free whether it is cheaper to repay your current loan. Transferring a loan does not cost you anything extra. A revolving credit can always be transferred without penalty? Do you currently have a personal loan? Even then we are happy to investigate the possibilities for an extra advantageous loan through Creditheriol.

At Creditheriol we put the customer interest first. If you cannot refinance with your loan, it will of course be fair to inform you.

Which type of credit do you choose?

At Creditheriol you can choose from different forms of credit. In addition to the revolving credit or personal loan, you can also choose a combination of these two loans with us. The so-called combination loan. With this form of borrowing money you optimally benefit from the flexibility of the revolving credit and the fixed interest rate of the personal loan. This allows you to make optimum use of the benefits of both forms of credit.

Installment Loan Explanation

The installment loan is currently the most used type of loan. The installment loan statement is actually relatively simple. You pay the installment loan the agreed loan amount in monthly installments. The installment consists of a repayment component and an interest component. The longer the term has progressed, the lower the interest component. As the interest rate decreases, so does the proportion that is used for repayment.


The installment loan an explanation many terms

The installment loan an explanation many terms

In many cases, the installment loan is also used as a personal loan, personal loan, consumer loan or instant loan. The installment loan statement is always the same. Most of the installment loans are available for free use. However, there are also special loans available for certain purchases. For example, there is car loan or home loan. However, the repayment works the same way for all installment loans.


Who receives a installment loan?

Who receives a installment loan?

The installment loan for explanation can be applied for by anyone over the age of 18 years. To get an installment loan, you need a regular income that will allow you to repay the monthly installments. In addition, an assessment of your creditworthiness will be carried out prior to approval by the bank. For this purpose, information about you will be obtained from credit bureau. In the event that your credit bureau information contains negative entries, the loan request will be rejected in most cases. Negative entries arise, for example, in the case of credit cancellations or dunning notices etc.


The non-fictitious installment loan for explanation

The non-fictitious installment loan for explanation

In certain cases, you can also receive a installment loan without credit bureau query. These are available online at special credit intermediaries. The loan itself is then realized through a bank based in Switzerland. A schafafreier installment loan is possible up to a loan amount of 3500 USD. As a prerequisite, you must have a regular income and be employed by the same employer for at least 12 months. In addition, a German account is required on which the wage or salary must be received.


The advantages of applying for loans by mobile phone

Do you urgently need a loan because you have all the appliances? Would you like to enjoy a weekend at a beach paradise, but you have not saved anything in this month? Would you like to give your partner something for Valentine’s Day, but you don’t have enough money? Do you urgently need money to end the month? A good solution to all these needs is to apply for loans by mobile phone, a fantastic alternative to asking for money in traditional financial institutions.What advantages do mobile phone loans offer?What advantages do mobile phone loans offer?

Unlike traditional banking entities or branches, mobile phone loans have a number of advantages for those who urgently need money in a matter of hours such as the following:

  1. To request loans by mobile phone it is not necessary that you have to go to any bank branch to be able to request it. In this way, from your home, you can perform the management comfortably.
  2. As loans are made through a simple mobile call, the process is much simpler and faster. In addition, you do not need to provide payroll or guarantee to be granted loans by mobile phone; Only with your personal data can you process your request for the granting of the credit.
  3. In a matter of hours, you will have the amount of up to 750 euros in your bank account and you can return them within a period of up to 30 days. Similarly, you can request more than one loan and do not worry if you are on the delinquency list.

In summary, mobile phone loans are, in short, a fantastic alternative to more traditional sources of financing that are increasingly more restrictive in terms of granting these types of loans, due to the new Spanish and European guidelines.

Therefore, without the need for paperwork and in a few hours, with applying for loans by mobile phone you will have at your fingertips the money you need to be able to make a lightning trip to any destination, give a detail to your partner for his birthday, reform the room, replace the television with a Smart TV or, to pamper yourself, buy you the new next-generation mobile.

For all these reasons, you have no excuse so you can ask all these questions thanks to mobile phone loans . So, what are you waiting to ask for loans by mobile phone?


Finance your projects with a personal payday loan

How to finance your projects with a personal payday loan?

How to finance your projects with a personal loan?

You have a project in mind that you would like to achieve but you do not know how to finance? Be aware that the personal payday loan can help you finance all or part of your project. To subscribe with your bank or any other credit organization, the personal payday loan has many advantages. Zoom on this consumer credit!

1. Understand the personal payday loan.

1. Understand the personal loan.

The personal payday loan counts among the consumer credits. A consumer can apply to his bank or an external credit agency to finance a personal project. This credit application is said to be “unaffected” because the lending organization does not have to ask for proof of the use of the funds.

From the moment the financial institution grants this credit to consumption, the borrower uses it in the way he wishes. He can thus finance the purchase of a good, works, a ceremony, a trip or other.

Namely, to protect the borrower, the Consumer Code provides for a withdrawal period after signing the credit agreement. This period is 14 days.

2. The request for a personal payday loan

2. The request for a personal loan

If the request for a personal payday loan can be made by any consumer, it nevertheless requires to collect and send various documents to the lending organization.

To put the odds on your side, you must provide a complete file. This must include:

  • A copy of your ID.
  • A proof of address can be a bill of water or electricity, a letter from the bank or any other administrative paper.
  • A bank or postal identity card.
  • For those receiving a salary, a copy of the last three bulletins.
  • For self-employed and retired persons, a copy of the latest tax notices.
  • For people with property, a copy of the property tax.
  • For people who already have credits in progress, amortization tables.

Through these various documents, the lending agency will be able to study your application and analyze your creditworthiness and your ability to repay.

Note that before applying for consumer credit, it is important that you simulate this application online. There are many simulators that will help you know your ability to repay and therefore whether it is advisable or not to apply for a personal payday loan.

3. The annual percentage rate of charge.

3. The annual percentage rate of charge.

The APR calculates the true cost of a personal payday loan in the form of an annualized percentage. The interest rate alone announced with your personal payday loan offer will not allow you to know the true cost of your credit. To know the total amount, other elements must enter into account.

The calculation of the annual percentage rate of charge thus takes into account:

The calculation of the annual percentage rate of charge thus takes into account:

  • The nominal loan rate, which is the base rate for calculating interest.
  • Borrower insurance contributions if you subscribe for one to protect yourself. (Note that the lender can not require you to buy this insurance because it is not mandatory).
  • Application fee.
  • You can calculate your APR thanks to the many simulators. For this you will need to fill in:
  • The amount borrowed.
  • The loan term that suits you best.
  • The fixed annual lending rate.
  • Borrower insurance if you have one.
  • Application fee.

By calculating the APR of your personal payday loan via a simulator, you will get the fixed APR, the monthly payment, the monthly cost of your insurance, and the total amount of your loan. Thus, you will know if you are able to repay or not this credit.


How to Make Your Personal Financial Planning in 5 Steps

 Travel abroad, meet good restaurants, buy personal items, things for home and even save. Everyone dreams of having a financial life that balances their desires with obligations, while maintaining a future reserve for peace of mind.

At the current time in Brazil, personal financial planning has become an essential strategy for anyone who wants to avoid problems when it comes to money. After all, prices have grown and purchasing power has in many cases not accompanied this rise.

According to Jarndyce family’s Consumer Habits survey, residential bills such as water and electricity, as well as pay TV, internet and telephone expenses were 47% higher in 2015. This type of expense now represents 9% of the Brazilian budget In August. An increase of 73% compared to January.

What to do in front of this scenario? Do not worry! We’ve produced this article to help you. They are precious tips to create an efficient personal financial planning, based on small changes of habits, discipline and care in your day to day.

The Importance of Personal Financial Planning

The Importance of Personal Financial Planning

Financial planning allows you to establish strategies and ways to achieve life goals and objectives, such as:

  • Buying a property
  • Ride tour
  • Changing a vehicle
  • Increase in income

It will help you balance your expenses and revenues by leaving your bills in the blue. But much more than an activity, planning is an action that works well for the pocket and the mind.

By understanding what needs to be done today to get more financial reassurance tomorrow, you can also take care of yourself.

According to a Northwestern Mutual study in 2014, people who plan financially, feel safer, and contribute to their future goals. Another major research, the PFEEF, conducted in 2012, points out that 23% of people who have financial problems have had depression.

Do you understand what that means? Personal financial planning goes far beyond numbers. And the most important: to see and feel results, just start.

Rule of 50, 15, 35

Jarndyce family always suggests understanding this strategy before beginning any personal financial planning. Because? It is a very simple rule that helps you balance the bills, but it also allows you to have an overview of what your behavior should be in relation to your finances.

  • 50% of your monthly income should be earmarked for basic expenses, rent, electricity bill, gas, telephone, school, gasoline, English courses, medical insurance and supermarket.
  • 15% should be earmarked for financial priorities, better known as debt.
  • 35% would be spent on lifestyle-related expenses, or non-essential expenses such as restaurants, gym, beauty salon, travel and shopping in general.

Each case is different. It is important to stress that this is a basic methodology. Its application depends on variables that change according to income, level of indebtedness and personal tastes.

How To Make Your Personal Financial Planning

How To Make Your Personal Financial Planning

It is neither impossible nor laborious. The results can happen daily, and in a month, your accounts will already feel the reflection.

Despite the long and difficult face name, personal financial planning can be accomplished with simple attitudes, being adaptable to any kind of reality and fully applicable in people’s lives.

We’ve prepared these steps for you to take good care of your pocket and make everything blue.

1. Financial education

1. Financial education

Knowing the importance and function of money is essential. It seems silly, but the lack of knowledge about the financial universe makes people make the wrong decisions and plunge into complicated problems.

A survey conducted by the Rosenfield Institute in 2012 showed that 44.4% of the Brazilian population uses savings as an investment, followed by the current account with 37%.

That is, most of the people, not to go deeper into the topic, stop making money, especially in the medium and long term.

Another interesting point of the survey shows that 47% use friends and family as the main source of information. That’s where the secret lives: look for specialists to educate yourself financially.

2. Set Goals


Planning means future. You act now, if structure, to get well in one place. But this place needs to be very clear. Because otherwise you get lost and you’re not going anywhere.

Therefore, set goals and objectives, establishing two things: deadlines and values. It is no use to want to buy a house without knowing how much and when to pay. Or a car and even a trip.

Example: I want to buy a car, in the amount of $ 35,000, within 2 years. In that case, your ultimate goal is clear. You know you need to save exact $ 1,458 a month to reach it.

3. Save and Save Money

3. Save and Save Money

Money in the hand is gale, the poet had already said. Knowing how to use the right amount to spend and save money are one of the great secrets of personal financial planning.

  • Save: Search for prices before you buy. Evaluate each item in the grocery store and see if you are not making superfluous expenses. Try to balance the lunch hour, for example by reserving three to four days of the week for more restaurants.
  • Save: How about you reserve 10% of your budget to save? At this time, it is worth the discipline or some kind of investment that automatically makes the rescue, so you do not have to save the money every month.

4. Write down expenses and income people

4. Write down expenses and income people

You have set your goal and want to save, but you need to know exactly what your expenses are. It’s time to score. Record your everything. From the bullet after lunch to the purchase of the month in the supermarket. The Pocket Guide also gives tips on how to perform a daily spending control.

5. Personal cash flow

5. Personal cash flow

It may seem like company financial thing, but a cash flow is a great partner for your personal financial planning. It is a tool that, simplified for your day to day life, will help you understand where the expenses are and what needs to be reallocated.

  • Accounts payable: these are your fixed and variable expenses. The rent, the provision of the car, a trip to the restaurant or the day laborer.
  • Accounts receivable: your salary, extra work done in the month.

Make the difference between what you have to pay and what to receive. Understand where you should work to improve your financial life.



Insufficient Housing: Definition and Procedure




The state of insalubrity is declared when the observed deteriorations present a serious danger for the occupants or the neighborhood. It may concern a building in its entirety or an occupied or vacant dwelling. In the case of a co-ownership, the insalubrity can affect the common or private parts.

The declaration of insalubrity


The causes often concern problems related to the strength of the building, the absence or non-compliance of the networks (electricity, water, heating and sanitation) and sometimes the discovery of hazardous materials during real estate diagnoses, such as l asbestos or lead.

As soon as a case is declared, the DASS ( Department of Sanitary and Social Affairs ) is seized and writes a report to the prefect of the department. He then consults the departmental council of hygiene (CDH) before making the necessary decisions.


The different situations

The different situations


Case of irremediable insalubrity

If the DASS considers that the problem can not be solved by works, the prefectural decree may then prohibit the occupants from continuing to lodge. Some cases of irremediable insalubrity can force the prefect to order the demolition of the building.

Case of remediable insalubrity

If, on the other hand, the DASS considers that it is a case of insalubrity remediable, the prefect will specify by order prefectural in which time the work will be carried out as well as their conditions of execution.

Tenants and relocation

Tenants may suspend the payment of rents from the notification of the order of insalubrity. When the dwellings have been struck with a temporary prohibition of occupation, the owner has the obligation to find a solution for relocation for the tenant during the period of the work. The costs incurred by the relocation being borne by the owner.

The obligation to inform

If the prefect concludes that he is unsanitary, he must inform the occupants of the building one month before consulting the HRC . The latter can then inform the prefect of their remarks.
The notification of the order is transmitted to the owners. When the work concerns the common parts of a co-ownership, this notification is then given to the trustee, at his charge to inform then the occupants.

It can also proceed by public display at the town hall of the place of residence and on the building itself.


Execution of unsanitary work


Upon notification of the declaration of insalubrity, the owner has a deadline to have the work done. When these are carried out in accordance with the specifications drawn up by the prefect, the latter then requests the release of the order.

Release of the order

The prefect notes by order the conformity of the realization of the prescribed works and their date of completion. He pronounces the release of the decree.

Case where the work was not executed

The owner who does not perform the work within the prescribed time receives a formal notice to perform the work. Otherwise, the mayor or the prefect may order the ex officio execution of the works to be borne by the owner.

If the landlord attempts to re-let the property, he faces a sentence of up to two years imprisonment and a fine of up to € 75,000.



Do You Know How To Declare Unemployment Insurance In Income Tax?

At the time of making the declaration of Income Tax, it is common to arise several doubts. How to declare this, and what? How to cite a certain income? Which category should I use? The income obtained from unemployment insurance is one of the most confusing. So, let’s clarify a few key points for you to know how to declare unemployment insurance in the Income Tax and not take the risk of falling into the fine mesh. But, first of all, see if you really need to make the IR statement.

Something very important to note is that both unemployment insurance and the FGTS are income exempt from taxation. This means that a percentage of these earnings will not be discounted and that they should be included in the non-taxable income category.

How to declare unemployment insurance in income tax

But then, how to declare unemployment insurance in the Income Tax?

When completing this item in the application or declaration form, you must be informed of the value of the income. In addition, it must be written if it belongs to the holder or to the dependent, besides the name and CPF or CNPJ of the paying source. Any requested item that is not filled in may result in an error in the declaration.

Unemployment insurance should be informed on line 24 of the file dedicated to Exempt and Non-taxable Income. As soon as you open the help desk, it is important to inform the Worker Support Fund (FAT) as the paying source. Here, you can choose whether to inform the CNPJ of the institution or not. The institution’s CNPJ number is 07.526.983 / 0001-43.

The IRS offers on its website the 2019 Income Tax Calendar, with a complete schedule for completing the document.

If you have not already programmed, it is good to run. The deadline is April 30 and anyone who does not make the statement may have future problems with the Revenue and even receive a fine for the delay. If you are in the arrears group, check out our post on how to declare late income tax.

What is unemployment insurance?

What is unemployment insurance?

Now that you already know how to declare Unemployment Insurance in Income Tax, better understand unemployment insurance.
Unemployment insurance is a cash assistance granted by the government to a worker who is relieved of his or her employment without just cause. Cases in which just cause are applied are not entitled to insurance.

The benefit is deposited in the current account by the Federal Cashier of the monthly guaranteed and originates from the fund created with the payment of PASEP or PIS (Social Integration Program (PIS)

Workers are entitled to the benefit of:

  • They were fired without just cause;
  • Do not receive another labor benefit simultaneously;
  • Do not be owners or partners in private companies;
  • Have been for at least 16 months without applying for unemployment insurance;
  • For rural workers, it is necessary to have worked for at least 15 months in the last two years.

Who can apply for unemployment insurance?

Who can apply for unemployment insurance?

Since last year, some rules have been modified to apply for unemployment insurance. For example, it is currently required that there is at least 12 consecutive months of signed work for who will apply for the benefit for the first time. If it is the second time that the worker requests the insurance, it is mandatory at least nine consecutive months of wallet signed in the last employment. If it is your third (or more) of the application, the requirement is six months of a signed contract.


TOP 12 Banks That Offer the Lowest Interest on Loans in 2019 Online Loan



In March 2019 , we conducted research to find banks that provide loans with the lowest interest rates on consumer loans. We are glad to share with you the results.

Minimum interest on cash loans.

Minimum interest on cash loans.

Bank Percent Request
Home credit from 10.9% To issue
Renaissance Credit for 1 hour from 11.3% To issue
Raiffeisen Bank from 11.4% To issue
East Bank Without failure from 11.5% To issue
SKB-Bank from 11.99% To issue
Sovcom Bank from 12% To issue
Tinkoff Bank from 12% To issue
Mail Bank from 12.9% To issue
RosBank from 13.5% To issue
OTP Bank from 14.9% To issue
UBRD up to 7 years from 15% To issue
Alfa Bank from 15.99% To issue


You can get a loan at 12% per annum and below in Renaissance, Tinkoff Bank, Vostochny, the advantage of these banks is that they consider applications without providing a certificate of employment. Sovcombank and UBRD also do not require proof of income, but their minimum bracket is from 12% per annum. It is quite possible to get money at a relatively low percentage of 15% at Alfa-Bank.

Low interest loan


Bank “Home Credit” – loans up to 50 0 000 rubles from 10.9%!

Home Credit Bank is the leader in consumer loans at the point of sale. To apply online and receive a loan, you only need a passport.
A wide product line for clients of different social status. Regular customers additional favorable terms. Customer deposits are insured.
The bank is actively involved in social life.

Online application for a loan at Home Credit Bank →

Summary: Home Credit Bank ranks first in the consumer credit market, due to its low interest rates, customer focus and modern services.

Low interest cash loan

“Renaissance Credit” – up to 700,000 rubles at 11.3%

A bank with small interest rates, where you can get a consumer loan on two documents. It works in almost all major cities of Russia, issues cash on the same day for a period of up to 5 years, has a special program for retirees.

Online application to Renaissance Credit Bank →

Summary: Renaissance Credit is the bank with the lowest interest rates, where you can apply for a loan on two documents.

Low interest cash loans

Low interest cash loans

Raiffeisen Bank – single rate 10.99% for a loan amount up to 2 million rubles

The bank follows the highest quality standards in its work; therefore, customers trust it and agree to long-term cooperation.
For a loan of up to 300,000 rubles, you only need a passport; up to 1,000,000 rubles – passport and proof of income; up to 2,000,000 rubles – passport, proof of income and employment. Term use from 1 year to 5 years.
The decision on the online application is taken in 2 minutes. You can get an approved loan at the office or with free courier delivery.

Online application for a loan from Raiffeisen Bank →

Summary: Raiffeisen Bank provides loans for large amounts at a reduced interest rate.

Low interest loans

Low interest loans

Vostochny Bank – low interest and high odds

In our opinion, there are not the smallest rates at Vostochny Bank, but here, there are maximum chances for application approval, even for borrowers with a poor credit history. In this bank, you can get a loan on a passport, without a certificate of income and any additional documents. Applications are accepted online and are reviewed within 5-10 minutes.

Online application for a loan at Vostochny Bank →

Summary: Bank “Vostochny” – not the smallest interest, but the maximum chance of approval of the application.

The lowest interest on the loan


SKB-Bank is a simple and convenient loan.
SKB-Bank grants consumer loans in the amount of up to 300 thousand rubles without a certificate of income, up to 1.3 million rubles if there is a certificate. Interest rate of 9.9%. Loan term from 1 to 5 years. An application for a loan is considered up to 2 business days. Early repayment without commissions and fines is possible.
Comfortable, modern and free internet bank and mobile application.
Instant money transfers between cards of any banks.

Online application for a loan to SKB-Bank →

Summary: “SKB-Bank” – low interest on loans for any purpose; universal online service.

Take a small loan


Sovcom Bank is in the top 10 banks with the most profitable loans in 2018.
In Sovcom Bank, you can get a loan in the amount of 5 thousand to 1 million rubles for a period of 1 to 5 years. Interest rate – from 12% per annum. For a loan of up to 40 thousand rubles, you only need a passport. The best offer is a loan of 100,000 rubles for 1 year at 12% per annum. You can make an online application in 2 minutes.
There are special credit programs for pensioners. A large amount can be obtained on the security of a car or real estate.
If there is a bad credit history, the bank offers the program “Credit Doctor”.

Online application for a loan in Sovcom Bank →

Summary: Sovcom Bank is a large financial institution with attractive consumer lending conditions.

Take a consumer loan at a minimum percentage

Take a consumer loan at a minimum percentage

Tinkoff Bank is a modern and practical bank with a full range of financial services.
A loan of up to 2 million rubles for 1-3 years is issued without references, guarantors and a visit to the bank. The interest rate on the loan of 12%.
All applications are processed online, the courier will deliver the card from 1 to 7 days to any place. Perhaps a partial early repayment – at any time by phone. Free top-up at 300,000 points in Russia. There are mortgage lending programs.
The first Russian bank, which completely abandoned branches. Banking operations are instantly carried out by phone or via the Internet.

Online application for a loan in Tinkoff Bank →

Summary: Tinkoff Bank is the best online retail bank with various credit and debit cards for any needs.

Consumer credit the most favorable conditions


Pochta Bank is a new retail bank with branches in Russian post offices.
In the “Mail Bank” you can get a loan of up to 1.5 million rubles for a period of 1 to 5 years. We need only a passport and SNILS. When paying from 10,000 rubles a month, the interest rate decreases from 12.9% to 10.9%. The decision on the application is made in 1 minute.
The Element 120 bank card allows you to make purchases with a payment within 120 days. The bank has special conditions on loans for education and loans for pensioners .

Online application for a loan in Mail Bank →

Summary: Pochta Bank is a universal retail bank with affordable loans for various purposes.

Banks consumer credit

Banks consumer credit

Rosbank is part of the Societe Generale group, the leading universal European bank.
The bank offers a “Just Money” loan without collateral in the amount of 50,000 to 3,000,000 rubles with an interest rate of 13.5% to 19.5% for a period of 13 to 84 months. You need a passport and an income statement, if the amount exceeds 400,000 rubles, the bank requests additional data. The credit limit can be increased by presenting information about additional income. More attractive conditions are offered for borrowers who receive wages to an account at Rosbank, employees of partner companies, retirees, state employees, etc.
In Rosbank, 8 out of 10 applications for a loan are approved.

Online application for a loan in Rosbank →

Summary: Rosbank offers loan programs at rates above average.

Profitable loan

Profitable loan

“OTP Bank” is a universal credit organization, a member of the international financial group OTP (OTP Group).
In “OTP Bank” you can get a loan in the amount of 15,000 to 4,000,000 rubles. Rates range from 10.5% to 14.9%, determined by the bank, taking into account the risk level of the client. Loan term up to 7 years. Application processing time from 15 minutes to 1 business day. There is a paid service “Transfer of the date of payment.”
Bank offices in 3,700 locations across the country. In addition to private individuals, the bank cooperates with small and medium-sized businesses, develops credit solutions for corporate clients, and is a reliable partner for financial organizations.

Online application for a loan in OTP Bank →

Summary: OTP Bank provides loans to corporate clients and individuals, the interest rate is determined individually.

Take a bank loan at the minimum percentage

Take a bank loan at the minimum percentage

UBRD is the largest bank in Russia offering high-quality service and simple financial solutions.
The bank offers three types of loan products:
● “Available” credit – up to 200,000 rubles with an interest rate of 11% without references and guarantors only on a passport;
● “Open” credit – up to 1 500 000 rubles, the rate of 11%, you need a passport and certificate of income;
● “ Credit card 120 days” – from 30,000 to 299,999 rubles for 3 years. Interest for the use of the loan does not accrue the first 120 days, after the grace period expires the rate is 28-31%. For registration you need a passport and certificate of income.
Commission for card account maintenance and withdrawals. Early repayment is free.

Online application for a loan at UBRD Bank →

Summary: UBRD provides loans for various requests at affordable interest rates.

Best cash loans

Best cash loans

Alfa-Bank is the largest Russian private bank, one of the top 10 most important credit institutions.
Universal bank, carrying out all major types of banking operations, serving private and corporate clients, investment banking, trade finance, etc.
A cash loan of up to 3,000,000 rubles is issued at Alfa Bank with an interest rate of 11.99% for a period of 1 to 5 years.
Consumer credit up to 1 000 000 rubles is issued at a rate of 14.99%, the first 100 days do not accrue interest for using money. Only need a passport.
Alfa Bank has a huge selection of credit and debit cards , mortgage lending options and deposits, free services for savings, refinancing programs and loans secured by property.
The approval percentage is the highest.

Online application for a loan in Alfa Bank →

Summary: Alfa-Bank is a reliable bank that holds leadership positions and offers various services on favorable terms.

How to get a low-interest consumer loan?

How to get a low-interest consumer loan?

Start with “your” bank. If you receive a salary on the card, apply for money to the bank that issued this card. You are probably waiting for lower interest rates and minimum requirements for a package of documents. For example: a standard consumer loan in Alfa-Bank is 15.99%. And if you get a salary at stake, the interest rate is reduced to 13.99%

To increase the chances of finding the most favorable conditions, consider several options. Apply in two or three places at the same time , find out your individual rate and select the bank that will offer the most favorable conditions.

Collect documents. Many banks issue loans in cash without a certificate of income, and sometimes just on the passport of a Russian citizen. This is convenient, but if you expect low interest rates, try to prove your financial situation with some documents. Best of all – help on the form 2-NDFL and a copy of the workbook.


What Are Shareholder Subordinated Loans And What Advantages And Disadvantages Do They Have?

Investing in start-ups in Germany takes place mainly through shareholder subordinated loans, but what kind of instrument is that actually?

The term “shareholder subordinated loan” has three main components. If you go through it from back to front, you realize that it is primarily about a loan. As an investor, I leave a certain amount of money to my contract partner for a temporary period and receive interest.

The subordinate prefix means that my loan receivable is deferred in comparison to other claims of third parties, ie if the contract partner (here: the start-up) becomes insolvent, it can be assumed that any returns from the bankruptcy estate will only be third Parties benefit. The word “shareholder” means that my income as an investor depends on the performance of the company in which I have invested. As a refund I receive an amount depending on the turnover or the profit of the company.

Disadvantages of the shareholder subordinated loan

Disadvantages of the shareholder subordinated loan

I suppose I did not exactly make you tasty subordinate loans so far. Obviously: As an investor I have a similar position in monetary terms as the shareholder, but I do not have the information and control rights of a shareholder and of course no participation.

In addition, the share (and GmbH shares) and their properties are regulated by law in the Stock Corporation Act, whereas the shareholder subordinated loan is more flexible in its design, ie most of the properties of the loan are regulated in the loan agreement. Let’s just be like this … I’m not a lawyer, but generally I prefer a legal regulation of the financial instrument to have legal certainty.

And what are the advantages?

And what are the advantages?

I had already indicated that I had limited my investment activity in Germany and only invested in the UK, because platforms such as Seedrs offer real company shares there. I do not regret the move either, but partiary subordinated loans have, in my opinion, earned a better reputation. I even go so far as to say that they are at least as good as stocks, depending on the investment strategy.

A big advantage is the transparency in the evaluation. As a rule, the valuation is contractually regulated and comprehensible for anyone who can operate a calculator. This makes the fair value of the share more transparent because the receivable can be quantified against the company. For a share without a standalone market, the valuation is much more difficult.

The second big advantage is the ability to liquidate. As a result of being able to terminate the loan, at a certain point in time I can simply withdraw my claim, whereas for a share I have to find a buyer. Honestly, it should also be mentioned here that the start-up is also entitled to terminate and repay the loan after a certain time, which is a disadvantage if I prefer to stay invested. This can not happen to a stock.

Theoretical advantages of the shareholder subordinated loan

Theoretical advantages of the shareholder subordinated loan

In addition, subordinate loan subordinates have two other advantages, but they are more theoretical. First, the loan is repaid at par, ie in case of bad performance of the company, the loan does not lose value and you get the face value plus interest repaid. Stocks do not have such “protection”. However, in such a case it is unlikely that the company can repay anything at all (hence theoretically).

In addition, in the event of bankruptcy, the lenders have access to the bankruptcy estate before the shareholders. In fact, however, it can be assumed that in the case of young companies, no returns from the insolvency estate can be expected for both groups.

Therefore, it should also be clearly and clearly stated at this point: Subordinated subordinated loans are subject to a high degree of risk. Total losses are not uncommon. Only those who can tolerate the loss of capital invested should invest in such investments.



I can invest in subordinate subordinated loans in young German companies, which otherwise would only be possible with great effort. Partial subordinated loans have far more advantages than you think. Depending on what investor’s investment philosophy pursues, investing in a shareholder subordinated loan may be better suited for him than a stock investment in the same company.