Moving loan
Finance your move with an affordable direct loan. Fast approval, even with a Schufa credit report.
Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 2,000 to 200,000. Loan duration: 6 to 120 months. Example: Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 25,000. Loan duration: 72 months. Monthly payment: EUR 369. Total interest: EUR 1,568. Total payment: EUR 26,568.
Moving Loan: The Most Important Features in Brief
What is a moving loan?
A moving loan is designed to help you with your move. There are many reasons for moving. The most common are changing jobs and moving with a partner. This is often not done on your own initiative. It is also common for landlords to need property for their own use.
In any case, moving involves costs. A moving loan is a suitable support in this case, as moving involves certain costs and it allows you to finance the move - without the need for capital.
As for the type of loan, a moving loan is a classic installment loan . Typically, available loan amounts start in the three-digit range , but moving loans are also available that average four digits. Moving loan costs are extremely attractive due to the current low interest rates. This makes a moving loan a smart alternative to expensive overdrafts .
What can I finance with a moving loan?
When moving, there may be many cost factors that can quickly add up to several thousand euros:
- Deposit for a new apartment
- Double rental fee
- Possible broker commission costs
- Transportation or car rental company costs
- New furniture and decorations
- Possible administrative fees
- All costs associated with the renovation of old and/or new apartments
In particular, the rental deposit and any commission are extremely important. In addition, the help of a moving company is required for many moves, especially if the move takes place halfway across the country or if no willing friends are available.
They usually still need new furniture . Therefore, it is not surprising that many people have difficulty paying for a move out of their own pocket. Moving loans were created for situations like this.
The best thing about a moving loan is that you have complete flexibility . The moving loan that fluxcreidi.com arranges for you is not tied to a specific purpose. So you can use it for any expenses you incur.
If you have any loan balance left after moving, you can easily use it to pay for your next vacation, for example. The moving loan is not restrictive, making it ideal for moving support .
Moving Loan Tips: How to Get Better Terms for Moving Financing!
Since the moving loan is offered in installments , you can take advantage of the currently very low interest rates. This makes moving extremely affordable. To keep your monthly costs under control even when moving large amounts, we have put together some tips for moving loans.
Tip 1: Consider the repayment period of your soft loan
Moving often involves a lot of effort, but it also comes with significant costs. A moving loan is a great option to spread the financial burden over several months. Even if you plan to buy a lot of furniture and need a larger budget for the move, you can keep your payments low.
Simply extend your repayment period so you can pay less and have more money to live on. At fluxcreidi.com you can choose the repayment period individually and freely between six and 120 months .
Tip 2: Calculate your loan amount generously
Almost everyone who has ever moved has never thought about the costs that will eventually arise. Therefore, calculate the loan amount generously. This will give you peace of mind and you will not miss out on necessary expenses that really need to be addressed. You will not have any discounts and you will be more comfortable in your new home faster.
If you make very accurate calculations, you may need additional financing. However, it is usually difficult to get a new loan in the short term. Banks are rarely willing to approve a new loan. And if they do, they usually do so on worse terms. The problem of taking out excess credit is reduced by an unusual free repayment .
Tip 3: Take advantage of the special free refund option
If you have a balance left at the end of your move, you can take advantage of special free payments. This also applies if you generate additional income during the loan repayment period. Thanks to the special free payment, banks will waive the early repayment fee, so you will not be charged additional costs for an unplanned repayment of your move loan.
We typically offer a free and convenient additional repayment option with every loan offer. If you have any questions, we're happy to help.
Tip 4: Identify another debtor
If you want to split your loan between several parties, you can nominate a co-applicant . Banks are often willing to offer better terms if the co-applicant has a good credit rating. For example, if you are moving in with your partner, you can include them in the loan agreement as a co-applicant.
However, any other willing and credible applicant can also be used. At fluxcreidi.com, you can specify the second applicant directly in the online loan application form and we will consider them for your personal loan offer.
Is it possible to get a flexible loan with or without Schufa?
During the processing of the loan application, a Schufa check is carried out, as is usually the case in a bank. If negative Schufa characteristics are found – as has happened to millions of people in Italy – this does not necessarily prevent the loan from being approved.
We will try to find you a loan even if you have a low Schufa score . Banks are willing to repay soft loans, especially for smaller amounts.
- The Schufa credit report is the only criterion for many credit institutions, but not for fluxcreidi.com!
- We can offer you a regular moving loan , even if you have a bad Schufa credit rating.
- Higher payout chances
- Possibility of a loan for moving without Schufa
First, we will find you a regular moving loan with a Schufa check so that you can benefit from particularly favorable conditions. If we cannot offer you a moving loan even with Schufa, we will look for financing without Schufa.
There are no additional steps required and no costs involved. This means that you don't have to immediately reject the support offered by a moving loan, even if other banks have already rejected your loan application due to your creditworthiness.
Transfer of loan installments: detailed instructions
Determine the amount of your moving loan
Moving requires careful planning. This also applies to the financial resources required. Think about all the costs such as furniture, moving companies, etc. Also, create a reserve for unexpected expenses. Something can always break during the move, new tools may be needed, or you may end up needing a new dishwasher.
Of course, you should also consider the available capital , which you will use to cover your expenses. This determines how much of a loan you will need for your move.
Calculate the monthly payment for a soft loan
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Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 2,000 to 200,000. Loan duration: 6 to 120 months. Example: Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 25,000. Loan duration: 72 months. Monthly payment: EUR 369. Total interest: EUR 1,568. Total payment: EUR 26,568.