Computer Loan Comparison January 2020

Surfing the Internet, playing games, shopping online, doing office work, listening to music, watching films, being creative – almost no household is missing a computer today, because it opens up the online world and is used in many ways.

Computer execution and credit choice

Computer execution and credit choice

The trade offers a large abundance of computers – for the beginner as well as for the professional and also self-employed and start-ups who want to set up a home office, rely on the right equipment, which is reflected in a loan for the computer and the extensive accessories can be realized. Depending on the target group, private or business, the credit options differ. The price for a PC depends on its performance, it is also determined by brand names, design as well as hardware and software equipment. Often, various components can be bought separately, which must be included in the loan amount.

Eligible as a loan for a computer, overdraft, installment loan and on-demand loan as well as the special loan for self-employed and freelancers. The installment loan and call credit variants should be freely available loans that are not tied to a specific purpose.

Take advantage of overdraft or on-demand credit for the new PC?

Take advantage of overdraft or on-demand credit for the new PC?

The price range for computers is wide. Cheap models are available from 400 USD. If the price is in the three-digit range, it is obvious that the overdraft facility is used up for quick realization. Basically, this is an option that can be used with a corresponding credit line.

The characteristics of the call credit are the same as the overdraft facility. However, the borrower benefits from a much lower borrowing rate. The credit line is determined according to the borrower’s credit rating. Direct banks offer the call credit for an unlimited period and with flexible repayment. There is a monthly minimum amount for repayment, in addition, special repayments or early settlement of the credit account are possible at any time. Whether a credit line is available for individual purchases depends on the purchase price of the computer. The minimum loan amount is usually 1,000 USD.

Installment loan for the top computer

Installment loan for the top computer

The credit for a computer is particularly important for high-priced devices. High-quality high-tech computers, the purchase price of which is in the four-digit range, are to be financed with an installment loan. The borrower receives the entire loan amount in one payment, the repayment is made in constant monthly installments over the specified term. The borrowing rate is also fixed for the duration of the term. Special payments or early redemption are not provided for in this credit model, but may be included as an extra for some offers.

Computer loan for self-employed & freelancers

Computer loan for self-employed & freelancers

The step into self-employment involves investments, a computer is the basis. Therefore, a loan for the computer is often considered. Some direct banks offer the loan to the self-employed at their free disposal. Alternatively, start-ups can also contact institutions that provide promotional loans for start-ups. 

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