Opening of a naturopathic practice thanks to semi-private credit
As reported by the Hamter Xy, state-certified non-medical practitioner Dr. Ye was able to become self-employed through a loan from Trucredit. Actually, she still wanted to wait, but saw her chance in just vacant premises that it was more or less spontaneously to rent. In addition, there were also costs for the website (screenshot), for flyers and of course the establishment of the practice. However, before she waited at a bank for a long time for a relatively small loan, she took the sum of 5,950 euros on Trucredit as a credit.
The liaison office, which has a lending license through a bank as a partner, brings together private lenders and private borrowers. ” Lending is via an intermediary bank, although the money comes from private investors. Thus, the credit portals do not require a banking license, and the private money lenders are prevented from coming into conflict with the law because of commercial money lending, “writes the Hamter Xy.
Alternative credit intermediaries are not a guarantor of a loan
” We give more people a chance to get a loan, because at first we do not rule out such a blanket and only in the next steps differentiated than banks, ” said the Board of Trucredit.” But who has an active negative feature with a credit agency, gets even with us no credit. “- it is clear: although here self-employed, students and other credit-worthy candidates are given a chance, but high risks are still not taken.
Commission, return and more: sometimes very high interest rates
Of course, the operators of Trucredit want to have money for their service. In addition, private investors want some of the interest. In the end, the borrower has to pay for everything. With poor credit rating in the intermediary’s own point system, the additional costs are always higher. Overall, there are seven levels from AA to E, which bring interest from 3.95% to 16.3%. Of course you have to consider whether the desire is worth so high interest rates and there are not other ways of financing, for example in the family.