According to a survey, 10.4 million Germans slip into the overdraft facility in January. Learn how you can get your finances under control and benefit from the #SmartEffect.
- 10.4 million Germans have already overdrawn their accounts, and by the end of January it will be around 18 million
- Your overdraft is costing you money: The overdraft interest is currently 8.29% per year on average
- The overview of your income and expenses brings clarity
- Your way "back in the black" on your current account can be accelerated if you convert the overdraft facility into a suitable consumer loan
- Contact us now for a free, no obligation credit checkup
When it comes to purchases, it is important to have a good plan. Because if the current income is not enough to cover the running costs, only one thing helps: lower costs. Otherwise there is a risk of ever increasing debt: In addition to consumer spending, interest must now also be paid. The financial leeway is therefore becoming increasingly narrow.
Household books, which are now also available as professional apps for smartphones and tablets, have proven their worth in order to get an overview. The idea behind this: Those who meticulously record their daily expenses will quickly discover positions where savings can be made. Often, just being aware of the weekly or monthly amount of the individual expenses is helpful in order to change one's own consumption behavior and thus save money. And there are usually plenty of starting points.
- Top interest: from 3.49 *% per year
- full flexibility with the "Privatkredit Smart Plus" personal loan
- Amounts from 1,000 to 75,000 euros
- Duration 12 to 84 months
- Free voluntary repayments at any time
- Free current account from Deutsche Bank in connection with the personal loan of the Deutsche Bank
* Your financing could look like this: Net loan amount 15,000 euros, effective annual interest 3.49%, fixed borrowing rate 3.44% pa, monthly installment 201.16 euros, term in months / number of installments 84 months, total amount to be paid 16,897.15 euros. Representative example required by law in accordance with § 6a, 46 Paragraph 4 PAngV. The interest rate depends on the creditworthiness. The lender is DB Privat- und Firmenkundenbank AG, Theodor-Heuss-Allee 72, 60486 Frankfurt am Main. Standard conditions: net loan amount from EUR 1,000 to EUR 75,000; APR from 3.49% to 9.99%; Fixed borrowing rate pa of 3.44% to 9.56%; Duration from 12 to 84 months. Assuming creditworthiness
Get your finances in order!
Get an overview right at the beginning of the year. I am happy to help you.