The nose, the most outstanding part that our face has. Many customers are more than dissatisfied with it. It is too big for some, crooked for another. When people are no longer satisfied with their body parts, they simply lie down under the knife. The cosmetic surgeon will then fix it. But a nose surgery already costs between 3,000 and 5,000 USD, which very few people can muster. A credit for a nasal surgery is then considered.
The loan for nose surgery – the bank loan
There are so-called cosmetic surgeries that health insurance companies pay for in full. One thinks of a recovery operation after a tumor or after a serious accident. The health insurance companies also pay their subsidy if psychological factors are identified. There are also people who suffer from their noses in such a way that severe depression occurs. These people have no quality of life at all. A surgical aesthetic nose surgery could then help. But usually a nasal surgery comes under aesthetic surgery, with health insurance companies not paying a share. So the costs remain with the patient who has to take out a loan for a nasal surgery.
If the customer chooses a normal consumer loan, the bank will not be interested in the reason for a loan. The customer can use the loan for a nasal surgery or for other personal purposes. A demand for the use of the loan is therefore not common. The bank is primarily interested in whether the customer can pay the loan. She will first draw up a household bill and check the customer’s income and expenses. If the invoice is positive, the customer has already found a way. Then the bank queries the Credit Bureau, which must not have any negative entries. If the income is correct, the loan for a nose surgery is approved.
Affordable makes the loan low rates. If the customer opts for a long loan term, he can count on bearable installments, which he can also pay, especially when the income is not so high. A nose surgery in particular is not scheduled overnight. The customer can therefore find a suitable loan for a nose surgery with a credit comparison.
Of course, the customer can also go to their house bank, but experience has shown that direct banks on the Internet have better conditions. An installment loan has the advantage that the customer can borrow it according to its terms. For example, special repayments should be entered in the loan agreement if the customer receives annual premiums or special payments from his employer.
In order to incorporate these into the loan and this free of charge, special repayments must be entered in advance, otherwise the bank can calculate a prepayment penalty. The credit for a nasal surgery is usually chosen so that it is paid within a term, here the income should determine the credit term. If a long term is chosen and the installments remain affordable, the loan will become somewhat more expensive overall, but will then be accepted.
Is the overdraft facility the credit solution?
There are many customers who choose the overdraft facility. However, this should only happen to a limited extent, because the overdraft facility is expensive. If it can be compensated again in a few months, there is nothing to prevent it from being used, especially since the overdraft facility is approved quickly and easily. If the customer expects a larger amount of money that could pay off the overdraft facility, he can do so. Anyone who pays back their overdraft facility steadily and does not allow a significant amount to grow can use the overdraft facility.
The overdraft facility is very expensive. With the double-digit interest rate of up to 15%, it is far higher than the other loans. If the customer then exceeds the credit line granted, an additional 5% interest accrues. If the customer does not return the overdraft facility, he can slowly fall into a debt trap. Every quarter, the bank will add its interest rate package to the outstanding amount. Banks provide overdraft clients with regular income. They approve about three net monthly salaries as a loan amount. If someone earns 2,000 USD net, the overdraft facility can be over 6,000 USD. The overdraft facility could thus be regarded as a loan for a nasal surgery.
Credit through the clinic
Of course, the cosmetic surgeons know about the finances of many customers and often offer a loan for a nasal surgery. The customer can pay it back in monthly installments. The interest rate is cheap, sometimes no interest is charged. However, these loans usually only have a term of a few months, which makes the loan very expensive for customers. Not everyone can pay high rates. But the doctor works with banks and so a longer term could possibly be negotiated.
Nevertheless, the decision should not be made directly, but should also check the possibility with other banks. There are banks that grant and offer special loans of this type. The customer then has to provide proof of the nose surgery to the bank, often it is sufficient to provide the hospital bill as proof. In general, however, a loan comparison should be made because the loan offers are very different. Especially if you can take your time to get a cheap loan, you should do that.
The bad credit and the credit
If the customer has a bad credit rating due to a negative entry, many banks in this country simply refuse a loan. The bank regards a loan as a high risk of default, because Credit Bureau has signaled to the bank that there have already been payment problems. For these customers there are no-credit loans, the money comes from abroad. In most cases they come from Switzerland and Liechtenstein. They are reputable and renowned banks that have been on the credit market for a long time.
However, these banks also have their requirements that customers have to meet. A permanent position is an essential criterion. The position may not be temporary and may not include a trial period and must have existed for at least one year. Then comes the income, which must be above the garnishment-free limit and should have a garnishable share of at least 100 USD. The customer must be of legal age and must be a German citizen and also resident in Germany.
If these conditions can be met, the banks will provide three loan amounts, one of $ 3,500, one of $ 5,000 and $ 7,500.