Our financial independence, which we receive in the form of various loans, credit cards and the purchase on account in our country, is truly beautiful and is appreciated by many consumers. What is often forgotten, however: Who deals liberally with money, what he does not have and what he first has to work to be able to repay it in the end, slips quickly into the debt trap and must fight in the end very strong to to get out of this undamaged. For as beautiful as this freedom of “later payment” may be – it carries many risks that many people recognize too late.
A very good example of this is the Dispo. It depends on the checking account, is a call-off loan and can always be used if the checking account does not have a sufficiently high plus. Spontaneous purchases are thus just as possible as the balance of the credit card or the payment of high bills. At the end, however, there is an overdrawn account, which holds very high interest rates through the use of the Dispos. On average, the interest rate for the credit line is more than 10 percent. This means that every month on the used sum a high interest rate must be paid. And that until the dispo is fully balanced again.
Many consumers, however, do not get it within a very short time and then pay many months interest for a perhaps ill-considered and spontaneous action that they have made in advance. Who can not compensate the dispo not on their own and in the shortest possible time, should therefore rely on a loan to compensate for Dispo. He helps to balance the expensive Dispos and ensures a smooth repayment of accrued debts.
What are the options for a loan to compensate for dispo?
Since a loan to compensate for Dispo must be a freely available credit, only a simple installment loan is actually in question. Because this is the only form of credit where you can decide freely about the use of the money.
Such an installment loan can be obtained from any independent bank. However, we recommend that you do not apply for the credit at the house bank, as this should be balanced. This of course knows that the borrowing can hardly be avoided due to the used Dispos and will therefore hardly feel the urge to submit a good loan offer. On the one hand, because it occupies significantly more interest with the use of the Dispos and therefore has no interest in it being replaced. On the other hand, also because the house bank knows the need of the borrower and the urgency of borrowing and therefore likes to demonstrate their “power”.
However, if the loan is taken out to another bank for the purpose of offsetting, it does not have to be informed that the posting date is to be settled. If the private credit and the income are right, a very favorable installment loan can be used, which may be accompanied by an interest rate of less than 3 percent.
In order to find such a favorable credit for the compensation of Dispo, a comparison is worthwhile. Various loan calculators can be found on the Internet that perform the comparison in real time and within a few seconds. The best possible offer can then be ordered directly over the Internet. In most cases, the money is then available within a few days and can be used for compensation.