Financing: Cheap Loans
All possibilities of financing at a glance
A financing will probably be considered. After all, you usually want a cheap financing, a financing from a strong partner who offers security. All of this can be found at Dr. Ing. Klein Private Client AG. Whether you are looking for a simple installment loan or a loan for your home, ie a mortgage loan, or simply want to compare cheap loans: Dr. med. Klein stands with many test victories for excellent financings.
Calculate financing for the house
loan amount Please indicate here which loan amount you need for the purchase, the new building or the follow-up financing. In the case of follow-up financing, this value corresponds to the amount of your remaining debt, which must be further financed. 190000 50,000 to 100,000 Nominal interest rate fixation in years Please choose how long your debit interest payment should last. This determines the period for which you want to set the offered interest rate or follow-up financing interest. 5 8th 10 12 15 20 25 30 Calculate personal interest and rate
Are you looking for a loan for your house? A real estate financing via Dr. med. Small is the solution: whether directly online or personally on-site advice, our specialists will find the right financing for you – the loan to the top construction rate.
financing request installment loan
Who decides to finance a installment loan can sometimes save a lot of money. Dr. Klein helps you Ablöung your disposables or the refinance more expensive to cheap loans.
Reposting mortgage lending
You would like to make a follow-up financing? About Dr. Small you can repost your mortgage or complete a forward loan . Learn more!
debt restructuring Personal advice on site
You want to finance your house or need an installment loan? Our financing specialists also advise you on site. Choose your personal adviser.
Find a consultant
All construction loans for financing
You need a special construction loan for your financing? We advise you on the promotion through KfW loans , offer classic annuity loans or variable loans – with us you will find the right loan!
Loan forms & conditions Construction Financing calculator
Which financing is the right one? Test the forward loan calculator , loan calculator or Vorfälligkeitsrechner and see for yourself how much money you can save.
Construction Financing calculator Property as investment
You want to finance a second property and use it as an investment, or invest in a multi-family house as a yield object? Read about the benefits you can get from it.
Financing at low interest rates for all situations
Financing is available for a variety of needs and situations: You may want to fulfill a long-cherished wish, you need a new car, or the wedding is more expensive than planned. Not to forget the probably biggest purchase of life, the own real estate. In all these cases, either the necessary capital is lacking or the available funds are needed for other purposes. Then you will receive financing with favorable conditions. At Dr. Small you will find the right loan for every situation in life: Mortgage lending can be obtained from us from a sum of 50,000 euros upwards, consumer loans from 3,000 euros.
Who is Dr. Small?
Dr. Klein is a financial intermediary for mortgage lending, insurance and installment loans. Our founder Dr. Kurt Klein was a doctor of politics and tax consultant. In 1954, together with the merchant Heinrich Scheck, he called the company Dr. Ing. Klein in Lübeck to life. The central business model was the financing of new housing construction for housing companies. The Hanseatic city is still today the main location of Dr. Ing. Small, only the business model has expanded significantly over the years. In addition, there were insurance and financing for private individuals. In 2007, Dr. Small under the roof of today’s parent company Hypoport . We have been represented on the market for over 60 years and have close long-standing business relationships with well-known banks and financial institutions.
Against this background, we offer you the following advantages:
- You save interest.
Over the years, we have been able to negotiate attractive special conditions with our bank partners over and over again in many financing transactions, which we pass on directly to our customers.
- You save time and effort.
In order to compare the best terms with individual banks, you would theoretically have to take many paths. With us you can do it in one go. For loans for home and apartments, we work together with more than 400 bank partners, with consumer loans you have the choice between 25 institutions.
- You receive a personal, free consultation.
More than 550 local consultants will be at your disposal in person near you nationwide, so that the choice does not turn into agony for you. Together they explore with you the offers for your financing, when and where you want, also by phone, e-mail and after hours. For our customers, this service is completely free.
Why our financing advice is free
Our consultants receive a commission from the respective partner bank for each mediated financing. Banks save us a lot of administrative work and costs for our own staff. For this they give us commissions, and that puts us in a position to offer our advice to the customer for free. At the same time, we cooperate with a wide range of different banks so that we have a good overview of the financing market and can filter out the best option for the client in a neutral way. In addition: Due to high acceptance rates, we always receive excellent special conditions. A model that ultimately benefits all sides.
Our services around your financing in detail
- We calculate.
Many customers initially do not know how much they can afford, be it by car, furniture or financing for your home. Calculating the financing is very easy for us. We calculate everything for you, draw up budgets, calculate your budget and the amount you need to finance it.
- We are looking for offers.
Run from bank to bank? That does not have to be. Through our system, our consultants are connected to many banks and find in just a few clicks the offers that suit you.
- We help with the decision.
Many offers are eligible, but which is the best? Interest is undoubtedly a key factor. However, we also keep an eye on all the other variables of the credit agreement and, for example, find financing that has not only good interest rates but also special special conditions for you.
- We take over the bureaucracy.
This is annoying for many: who takes out a loan, often has to submit a lot of documents and communicate with the banks. Just put it in our hands: we not only look at your documents and help to get an overview. We also submit the applications, negotiate with the banks and take all this from you.
- We solve special cases.
Their financing is not commonplace, nor are our solutions. Because we have known our banking partners for a long time, we know exactly which ones are suitable for special cases. This also saves you a lot of time and effort for your own research.
- Last but not least: We answer your questions.
Of course you will be able to take out a loan yourself. But the path to perfect financing is often filled with question marks. For your questions, we always have an open ear and a suitable answer.
This is how test institutes and customers rate our financing
We have proven our service many times and have received awards for it. Our mix of comprehensive advice and excellent conditions for your financing has earned us regular test wins. However, we still receive the most important rating from our customers themselves. Therefore, our customer ratings provide you with a good picture of our consulting quality: Here you can find out how the work of our consultants has recently been assessed by other customers. Via the consultant search you will find the respective contact person directly in your area.
The various financings of Dr. med. Small
In the field of mortgages and installment loans, we offer various financing, which we would like to introduce to you here. In both areas, our consultants are very well educated and will assist you with all their experience and background knowledge.
Mortgage lending: From initial financing to follow-up financing
By “initial financing” we mean the first financing for your home purchase. You need them when you buy your home. The classic initial financing usually consists of an annuity loan . It is particularly popular because its monthly installments are always the same and the financing of the property can thus be reliably planned for the years to come. The annuity loan is not the only form of loan for initial financing. Bausparsofortfinanzierungen or constant loans are eligible under certain circumstances. In addition, you can also take out state-subsidized, low-interest KfW loans with us in your initial financing.
Follow-up financing refers to all loans that help you to refinance the remaining debt upon expiry of your first interest rate commitment. A follow-up financing is, so to speak, the second financing that you need over the years for your property. Between initial and follow-up financing, we also offer interim financing, such as variable loans . This will allow you to bridge the gap between the sale of your current home and the purchase of a new property. Here you can see again the most important financing solutions in the area of mortgages at a glance.
|designation||financing||Most important property|
|annuity||Initial / follow-up financing||Fixed rates up to 30 years selectable, monthly rate always the same|
|Volltilgerdarlehen||First financing||Credit expires only with full repayment, no follow-up financing necessary|
|KfW loan||First financing||Very cheap interest|
|Bausparvertrag||First financing, but also usable as a maintenance reserve||Associated Bausparsofortdarlehen offers very favorable interest rates|
|Bausparsofortfinanzierung / Konstantdarlehen||First financing||Property is financed through instant loans, equity capital saved later|
|Forward loan||follow-up financing||Saves interest up to five years in advance|
|debt restructuring||follow-up financing||Provides cheaper interest on follow-up financing by switching to another bank|
|carry-over||follow-up financing||Non-bureaucratic extension of expiring mortgage lending at the current bank at new interest rates|
|Variable loan||bridging finance||Higher interest rates, but can be flexibly redeemed|
Table: Mortgage lending overview
Installment Loans: Low Interest, Flexible Financing
At Dr. Klein we offer a wide variety of cheap loans for very different purposes. The most important difference in installment loans – even those of Dr. med. Small – is in the question of whether they are earmarked or not. At Dr. Small you get both variants of loan financing. Where’s the difference? Quite simply: Assigned installment loans are cheaper. Because they are tied to a specific purpose, they usually offer a tangible equivalent. Examples are:
- The car loan :
Although a car loses value over time, it still offers good value right at the beginning of the car’s financing – an advantage for the bank. In return, it offers you better interest rates. Nevertheless, unlike dealer credit via the Autobank, the motor vehicle letter remains with the owner.
- The modernization loan:
Owners of real estate, for example, get cheaper modernization credits: Here, the proof of owning a home is sufficient to finance refurbishments at low interest rates.
Always a good idea is the debt redemption of old, more expensive installment loans on new, cheaper contracts. Low interest rates can save you a lot of money. But the interest rates are not the only important factor: Especially with installment credit, it also depends on good conditions. For example, it is always beneficial to be able to make free special repayments. But such services are not automatically included in all loan agreements. Our consultants pay attention to how important such details are for you and find providers that meet your wishes.
Here you can see all financing in the area of installment credit with Dr. med. Small.
|designation||financing||Most important property|
|installment loan||Not earmarked||Loan amount is at leisure, interest slightly higher than for purpose-based loans|
|car loan||earmarked||Cheaper interest rates than normal installment credit, proof of car purchase must be provided in hindsight usually|
|rescheduling credit||Not earmarked||Cheaper interest rates than with old loans|
|modernization credit||earmarked||Low interest rates especially for property owners|
Table: Installment loans at a glance
Financing with expertise
With your loan financing, you can rely on the expertise of our mortgage and installment loan specialists. Thanks to years of experience in cooperation with various banking partners, they know the terms and conditions down to the last detail and can submit suitable offers right away. Simply contact us by soliciting non-binding offers for mortgage lending or installment loan offers . The responsible consultant in your area will contact you within a very short time.